Hyytinen, Ari: Essays on Bank Screening and Market Power in Loan Markets; Helsinki School of Economics and Business Administration A-182, Helsinki 2000. BIS Review 64/2009  3  Central banks should monitor developments in the retail financial industry also for monetary policy reasons.
Dr Jukka Vesala, head of department at the Finnish Financial Supervisory Authority, has noted in a study of his that efficiency and competition in banking may be relevant to the conduct of monetary policy.