THE BAHAVIOUR OF DEPOSIT INSTITUTIONS ON DEPOSITS AND LOANS MARKET

U radu autor analizira ponašanje depozitnih institucija na tržištu depozita i kredita, a model savršene konkurencije postavljen je na temelju proizvodnog pristupa. Konkurencijska banka odredit će veličinu depozita i kredita na taj način da odgovarajuće kamatne marže budu jednake graničnim troškovima upravljanja depozitima i kreditima. Analiza monopolističke banke pokazuje prilično intuitivan rezultat, jer kamatne marže su veće kada bankaima veću tržišnu snagu.In the paper behaviour of deposit institutions on the deposit and loans market is analysed. Perfect competition model is built on ground production approach (i.e. industrial organisation approach). A competitive bank will adjust its volume of loans and deposit in such a way that the corresponding intermediation margins equal its marginal management cost. The analyse of monopolistic bank model shows rather intuitive result that intermediate margins are higher when banks have a higher market power