Banking - Banking A Structure a Barriers to Entry Branching...

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Banking A. Structure a. Barriers to Entry – Branching Regulations i. Potential Competition is restricted ii. United States vs. Philadelphia National Bank – “entry of new competition into the banking field is far from easy”. b. Concentration Ration, # of Firms i. Concentration ratio is not restricted but certainly lessened through the Clayton Act, Section 7 : “No corporation shall acquire, the whole or any part of the stock of a corporation so that the effect of the acquisition may to be substantially lessen the competition or lend to create a monopoly” ii. Potential Competition Doctrine in U.S. vs. Marine Bancorporation: “It contends that if the merger is prohibited, the acquiring bank would find an alternative and more competitive means for entering the Spokane area and that the acquired bank would ultimately develop by internal expansion or mergers with smaller banks into an actual competitor of the acquiring bank and other large banks in sections of the State outside Spokane. The Government further
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