Bank competition may have a negative impact on economic growth. This possibility is explained by the fact that bank competition reduces the availability of credits, ie. in our model, the probability of being funded by the bank. If credit availability is affected, this is due to the existence of adverse events that need to be invested before the start of the technology filtering agreement, etc. preliminary study. If necessary, a serious review should be made to filter if the investment is reinstated if this is important if success is to be achieved. While banking competition may have a rejecting effect through this "availability" effect, our model does not exclude the possibility that competition will have a positive effect on economic growth, while at the same time increasing the incentive for entrepreneurs and new investors.

The aim of this analysis was to position itself on the effects of banking competition on European economic growth. The usual argumentation that more competition would improve efficiency and, as a result, go hand in hand with higher growth rates seems not to be the case with the banking market, an in-depth analysis would highlight the advantages of moderate banking competition for economic growth . If it is impossible to transpose the results of conventional microeconomics into the banking sector, this is due to the existence of information asymmetry between creditors and borrowers, which means that the financial transaction can not be confused with a simple transaction.