voprecotestВопросы экономикиVoprosy Ekonomiki0042-8736Voprosy Ekonomiki, NP10.32609/0042-8736-2020-4-107-128voprecotest-2356Research ArticleРЕГИОНАЛЬНАЯ ЭКОНОМИКАREGIONAL ECONOMYКак недостаток конкуренции сдерживает жилищное кредитование на российских региональных рынках?Concentration in the banking sector and housing lending in Russian regionshttps://orcid.org/0000-0002-4091-4881МишураА. В.MishuraAnna V.

Мишура Анна Владимировна, к. э. н., экономический факультет НГУ, с. н. с. ИЭОПП СО РАН

Новосибирск

Novosibirsk

anna.mishura@gmail.comhttps://orcid.org/0000-0003-0598-278XБекареваС. В.BekarevaSvetlana V.

Бекарева Светлана Викторовна, к. э. н., доцент, экономический факультет

Новосибирск

Novosibirsk

s.bekareva@mail.ruhttps://orcid.org/0000-0003-3931-3373МельтенисоваЕ. Н.MeltenisovaEkaterina N.

Мельтенисова Екатерина Николаевна, к. э. н., экономический факультет НГУ, с. н. с. ИЭОПП СО РАН

Новосибирск

Novosibirsk

emeltenisova@gmail.comНовосибирский национальный исследовательский государственный университет; Институт экономики и организации промышленного производства Сибирского отделения Российской академии наукРоссияNovosibirsk State University; Institute of Economics and Industrial Engineering of the Siberian Brunch of the Russian Academy of SciencesRussian FederationНовосибирский национальный исследовательский государственный университетРоссияNovosibirsk State UniversityRussian Federation20201204202004107128Copyright © Voprosy Ekonomiki, NP, 20202020Voprosy Ekonomiki, NPVoprosy Ekonomiki, NPhttps://www.vopreco.ru/jour/about/submissions#copyrightNoticehttps://www.vopreco.ru/jour/article/view/2356

В работе рассматривается мировой и российский опыт анализа влияния уровня концентрации и конкуренции на функционирование банковского сектора, в том числе рынка ипотечного кредитования. Использована информация о выданных банками жилищных кредитах в регионах России и оценивается уровень концентрации на региональных рынках жилищного кредитования. Показано, что высокий уровень концентрации на региональных рынках жилищных кредитов отрицательно влияет на динамику жилищного кредитования в регионах страны. Высокая концентрация ведет к росту процентных ставок кредитования и меньшему их разбросу. Это может быть свидетельством того, что высокая концентрация сдерживает развитие кредитования в регионах России, а значит, уровень конкуренции в банковском секторе недостаточен.

The article examines the global and Russian experience in analyzing the influence of concentration and competition on the functioning of the banking sector, including the mortgage market. The information on housing loans issued by banks in the regions of Russia is used and the level of concentration in the regional housing lending markets is estimated. It is shown that regional housing loan markets are highly concentrated. It has been revealed that the concentration level negatively affects the dynamics of housing lending in the regions of the country. High concentration is also associated with slightly higher lending interest rates and their smaller spread. This may be the evidence that high concentration hinders the development of lending in the regions of Russia, which means that the level of competition in the banking sector is insufficient.

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The authors declare that there are no conflicts of interest present.