The participation of insurance subsidiaries in the commercialization of mortgage loans: extension of dominant position to the spanish insurance market
DOI:
https://doi.org/10.5944/rduned.25.2019.27018Keywords:
free competition, mortgage credit market, bancassurance, insurance subsidiaries, tying agreementsAbstract
For decades, loan institutions have been tying mortgage loan contracts with insurance contracts produced by their own insurance subsidiaries. The distribution of these insurances in the retail banking market has been massive, contributing to the exponential growth of the bancassurance channel and the use of banking networks. This paper examines, from our system of free competition, the conditions of competition arising through the tying practice and its repercussions in relation to the rest of the insurance sector operators.
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Published
2020-03-13
How to Cite
Soria Bastida, J. P. (2020). The participation of insurance subsidiaries in the commercialization of mortgage loans: extension of dominant position to the spanish insurance market. Revista De Derecho De La UNED (RDUNED), (25), 715–744. https://doi.org/10.5944/rduned.25.2019.27018
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Section
Estudios
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