banking services market to the assessment of the degree of competition in the market of a single product - lending to small and medium-sized businesses, as well as showing the presence of competition. The results of the study showed that the segment of lending to small and medium-sized businesses by structure is a monopolistic competition, the dominant position in which is occupied by state-owned banks. The monopoly power of this group is due to their use of economies of scale, the low cost of funding, and the lower risks of loans issued. The effect of supporting the development banks of small and medium-sized banks is not significantly reflected in their market power. See also Ramsey problem Amoroso–Robinson relation Herfindahl Index Market segmentation index References https://journal.open-broker.ru/economy/indeks-lernera/ https://www.cjournal.cz/files/91.pdf https://cyberleninka.ru/article/n/primenenie-indeksa-lernera-k-otsenke-konkurentsii-na-rynke-kreditovaniya-malogo-i-srednego-biznesa-v-rossii/viewer :ru:%D0%9A%D0%BE%D1%8D%D1%84%D1%84%D0%B8%D1%86%D0%B8%D0%B5%D0%BD%D1%82 %D0%9B%D0%B5%D1%80%D0%BD%D0%B5%D1%80%D0%B0 Pricing 1934 in economics