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Konkurrencen på realkreditmarkedet IV

Resumé

Realkreditinstitutternes indtjening var forholdsvis høj i 2019, og institutternes gebyrer og bidragssatser er generelt uændrede på et højt niveau. Det fremgår af Konkurrence- og Forbrugerstyrelsens redegørelse "Realkredit- og prioritetslån. Priser og markedsudvikling".

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Konkurrencerådet undersøger konkurrencen i advokatbranchen

Resumé

Konkurrencerådet igangsatte i 2019 en analyse af konkurrencen i den danske advokatbranche. Analysen blev endelig udsendt i januar 2021 og rummede en række anbefalinger.

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Status for offentlig konkurrence 2020

Resumé

Det offentlige får mere for pengene, når der skabes konkurrence om opgaverne. Konkurrence- og Forbrugerstyrelsen udgiver i dag analysen "Status for offentlig konkurrence", der i år indeholder tre særkapitler om henholdsvis grønne udbud, konsortier og fleksible udbud.

Mødedato

Abuse of Dominance in Digital Markets

Resumé

Digital markets pose fundamental challenges for abuse of dominance enforcement. The raport explores these challenges, and set out some strategies that authorities can consider in their casework. On the one hand, digital markets may be more likely to manifest the kind of harm that abuse of dominance laws were designed to prevent. If competition authorities are unable to apply these prohibitions to digital business models, it may lead to questions about the broader relevance of abuse of dominance as a competition enforcement tool. As a result, some have called for more extensive enforcement in this area. On the other hand, the analysis of this harm can be potentially complex, and give rise to the risk of error (resulting in either over- or under-enforcement). Aggressive enforcement that is not founded in economic theories of harm, or which does not address the risk of over-enforcement, may end up harming the consumers it was meant to protect, and undermine support for competition enforcement more generally. To balance these risks, it seems that both (1) an openness to abuse of dominance theories of harm, and (2) great care in selecting which cases to bring, are needed. Different jurisdictions make different assessments of where the balance of under- and over-enforcement risks lies. These assessments cannot be separated from the underlying legislative, historical, and philosophical context of competition law in each jurisdiction. They may also be updated in response to ex-post assessments of past interventions, evidence about trends in market power. However, there are areas of convergence in terms of the need for effects-based analysis in most cases, and the need to avoid action that creates disincentives for innovation. At the same time, there are cases in which alternative competition policy tools could be either more justified, more timely, or more resource-efficient. Going forward, competition authorities seeking to address abuses of dominance in digital markets would benefit from deeper international co-operation, given the international scope of many digital firms. In addition, there remain significant opportunities for the development of new methodologies that help authorities assess the unique circumstances in digital markets, and identify clearer conditions in which harm will emerge

Myndighed
OECD
Regel
Rapport
Udfald
Rapport
Mødedato

Regningsbetaling

Resumé

Der er potentiale for at styrke konkurrencen om danskernes automatiske regningsbetalinger. Det konkluderer Konkurrencerådet i sin analyse "Regningsbetaling - automatiske løsninger til betaling af regninger". Analysen indeholder flere indsatsområder og anbefalinger, der kan styrke konkurrencen.

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Danske virksomheders salg via digitale platforme

Resumé

Incentive har på vegne af Konkurrence- og Forbrugerstyrelsen gennemført en undersøgelse af danskevirksomheders oplevelser med at sælge varer og servicer via digitale platforme. Undersøgelsen fokuserer på,hvordan virksomhederne benytter platformene, og hvilke fordele og ulemper de oplever ved at benytteplatformene som salgskanal. Digitale platforme er såkaldte tosidede markeder, som bringer kunder og virksomheder tættere sammen.Værdien for virksomhederne af at være på digitale platforme er afhængig af, hvor mange potentielle kunderder benytter platformen, ligesom værdien for forbrugerne afhænger af, hvor mange virksomheder der benytterplatformen. Platformene gør det nemmere for virksomhederne at nå ud til et bredere kundesegment, samtidigtmed at de sænker forbrugernes søgeomkostninger ved at gøre det nemmere at finde relevante produkter. Medmange udbydere samlet et sted kan platformene være med til at skærpe konkurrencen mellemvirksomhederne. Omvendt kan netværkseffekter og skalafordele også føre til, at de enkelte platforme opnårstor markedsmagt, hvilket bl.a. kan give udfordringer for de virksomheder, der benytter platformene somsalgskanal.Undersøgelsen bygger på 293 telefoninterviews med virksomheder, der benytter digitale platforme til at sælgederes produkter.

Mødedato

Konkurrencen på realkreditmarkedet III

Resumé

Generelt har realkreditinstitutterne ikke justeret deres bidragssatser og gebyrer det seneste års tid. Og realkreditinstitutternes kunder er fortsat loyale og skifter sjældent institut. Konkurrence- og Forbrugerstyrelsen offentliggør redegørelsen "Realkredit- og prioritetslån. Priser og markedsudvikling". Redegørelsen er udarbejdet i regi af Erhvervsministeriet.

Mødedato

Digital Disruption in Banking and its Impacton Competition

Resumé

The report, by Professor Xavier Vives (IESE Business School) surveys technological disruption in banking, examining its impact on competition and its potential to increase efficiency and customer welfare. It analyzes the possible strategies of the players involved—incumbents and FinTech and BigTech firms—and the role of regulation. The industry is facing radical transformation and restructuring, as well as a move toward a customer-centric platform-based model. Competition will increase as new players enter the industry, but the long-term impact is more open. Regulation will decisively influence to what extent BigTech will enter the industry and who the dominant players will be. The challenge for regulators will be to keep a level playing field that strikes the right balance between fostering innovation and preserving financial stability. Consumer protection concerns rise to the forefront. This is a revised version of the paper prepared for an OECD Competition Committee roundtable held on 5 June 2019.

Myndighed
OECD
Regel
Rapport
Udfald
Rapport
Mødedato

Merger Control in Dynamic Markets

Resumé

The competition dynamics observed in rapidly-evolving sectors, such as high-technology, consumer services and online retail, is challenging the role of competition authorities in merger control, where enforcement decisions depend on an effects-based analysis of the likely future effects of the merger. As these sectors are typically characterised by high entry and exit rates, as well as innovation that continuously disrupts existing business models, it is increasingly harder for authorities to predict how markets will evolve in order to support merger decisions. This is made worse by the fact that many of the merger tools currently available tend to focus on the recent-past or current state of the market, instead of forwardly looking at how the market might evolve post-merger. This paper discusses the role of merger control in dynamic markets and identifies the main practical proposals that have been made to adapt the different stages of the review process to take into account market dynamics over time: (1) the competitive assessment of the merger, (2) the analysis of efficiency effects and (3) the design of remedies.

Myndighed
OECD
Regel
Fusion
Udfald
Rapport
Mødedato

Konkurrence- og Forbrugerstyrelsen 2020

Resumé

I folderen Konkurrence- og Forbugerstyrelsen 2020 giver KFST et kort indblik i arbejdet i 2019. Det omfatter bl.a. korte resumer af udvalgte afgørelser, vejledninger og bidraget til lovarbejdet. Både på konkurrenceområdet samt nogle af de andre resortområder KFST varetager.

Myndighed
Styrelsen
Regel
Rapport
Udfald
Rapport