Competition among banks: good or bad?

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Bank Competition and Access to Finance: International Evidence (2004, unknown): “Using a similar model, Cetorelli (2001b), however, shows that financially dependent industries are more concentrated in countries with more concentrated banking systems.”
A new approach to measuring competition in the loan markets of the euro area (2011, unknown): “19 See for overviews of the various legislative changes for example Cetorelli (2001), Clarke (2004) and Fitch Ratings (2005).”
On the Relationship between Competition and Efficiency in the EU Banking Sectors (2004, background): “As observed by Caves (1980, p.88), economists have « a vague suspicion that 2 See Cetorelli (2001) for a comprehensive survey of positive and negative effects of banking competition is the enemy of sloth ».3 This suspicion is nonetheless supported by a couple of arguments in the literature.”