I massimali di crescita: effetti territoriali e sulla struttura del sistema bancario. (Growth limits on bank assets: regional effects and the structure of the banking system.)

A. NICCOLI

Abstract


Negli ultimi anni , la politica monetaria italiana è stata basata sempre più sui controlli amministrativi . Tra le tesi , i più significativi sono i limiti della crescita e vincoli della composizione del portafoglio. Questo articolo ha esaminato l' effetto dei limiti di crescita , ossia il loro effetto , da un punto di vista geografico della struttura e sul sul bancario italiano .


In recent years, Italian monetary policy has become increasingly based on administrative controls. Among theses, the most important are the limits of growth and constraints of the portfolio composition. The former impose a maximum growth rate of total loans in lire on banks, while the latter obliges them to invest a given amount of the increases in deposits in securities with specific characteristics. The present article examines a side effect of growth limits, namely their effect from a geographical point of view and on the structure of the Italian banking system. In particular, the author shows that the occurrence of growth ceilings for a given bank is greater the more rapid the increase in its deposits and the smaller the geographical area in which it operates.

 

JEL: E51, E52, G21


Parole chiave


Growth limits, monetary policy, direct controls, portfolio constraints, credit, banking system, Italy

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ISSN 2037-3651

Reg. Tribunale di Roma n.377/2009 del 19/11/2009