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  • Photo du rédacteurHélène Dufour

Open banking, shadow banking and regulation

Open banking creates diverse models: competitive and monopolistic banks. Policy changes impacting relative profitability lead banks to shift types. Increased capital requirements favor competitive banks, potentially raising system risk. Deposit rate ceilings can increase risk by promoting growth in the riskier competitive sector. Introducing a shadow banking sector benefits monopolistic banks, reducing overall system risk.

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