An investigation of the efficiency gains from the deregulation of the Australian banking sector

Coren, Matthew J. (1992). An investigation of the efficiency gains from the deregulation of the Australian banking sector Master's Thesis, Dept. of Commerce, University of Queensland.

       
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Author Coren, Matthew J.
Thesis Title An investigation of the efficiency gains from the deregulation of the Australian banking sector
School, Centre or Institute Dept. of Commerce
Institution University of Queensland
Publication date 1992
Thesis type Master's Thesis
Total pages 107
Language eng
Subjects 14 Economics
Formatted abstract This thesis examines the effects of deregulation on the efficiency of the Australian banking sector. It tests for changes in the allocation of resources within the banking sector resulting from the deregulation. Swan and Harper (1982) identified the misallocation of resources produced by the regulations imposed on the banks. They predicted that the deregulation of the banking sector would realise efficiency gains. An alternative analysis is presented in this thesis which predicts that the deregulation would not have removed the inefficiencies within the banking sector. This analysis is based on the proposition that the banking market is not perfectly contestable in the postderegulation period. Tests are conducted in this study to distinguish between these predictions. The results indicate that the deregulation process did not realise efficiency gains. The evidence is consistent with the non-contestability of the banking market in the post-deregulation period. The deregulation of the Australian banking system represents a significant change in the level of government intervention in the financial markets. This study uses the event of the bank deregulation to apply and test the theories of regulation.

 
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