Liberalización del sector bancario y persistencia de las formas organizativas

  1. Raquel Orcos Sánchez 1
  2. Sergio Palomas Doña 2
  1. 1 Universidad Pública de Navarra

    Universidad Pública de Navarra

    Pamplona, España


  2. 2 Universidad de Zaragoza

    Universidad de Zaragoza

    Zaragoza, España


Innovar: revista de ciencias administrativas y sociales

ISSN: 0121-5051

Year of publication: 2015

Volume: 25

Issue: 58

Pages: 9-22

Type: Article

DOI: 10.15446/innovar.v25n58.52356 DIALNET GOOGLE SCHOLAR lock_openOpen access editor


The Spanish banking sector is traditionally composed of the types of entities: commercial banks, savings banks and credit unions, whose behavior was controlled by strict regulations. However, in the last quarter of the 20th century, a liberalizing process eliminated the differences in the regulations that controlled such entities. As a consequence, all the organizations within the sector became legally entitled to perform the same strategic options and offer services to the same groups. Previous academic contributions suggest that entities should have significantly changed their behavior and become more homogeneous, causing differences among organizational forms to disappear. However, this analysis shows that the differences among organizational forms were still present. In this paper, we provide an explanation of the reason why, after deregulation, the different organizational forms persisted in spite of the significant changes that occurred in the way they operate. Results show important consequences for regulators and their work