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Non-uniform wealth distribution in a simple spatial banking model

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Author Info
Gabriel Montes Rojas () (University of Illinois at Urbana-Champaign and City University London)

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Abstract

This paper uses a static spatial banking model with a non-uniform wealth distribution to provide theoretical assessments for differences in banks’ prices and locations across regions. It assumes imperfect information, where banks know more about individuals if they are “near” the bank and individuals incur in a cost proportional to this distance to show the viability of their projects to the bank. A free entry model is constructed to account for banks’ tendency to concentrate in rich regions and to charge lower prices. Comparative statics exercises show the effect of changes in the monitoring technology and wealth dispersion.

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File URL: http://www4.cema.edu.ar/pjae/m/162MontesRojas200805
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Publisher Info
Article provided by Universidad del CEMA in its journal Journal of Applied Economics.

Volume (Year): XI (2008)
Issue (Month): (May)
Pages: 145-165
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Handle: RePEc:cem:jaecon:v:11:y:2008:n:1:p:145-165

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Related research
Keywords: spatial banking; location;

Find related papers by JEL classification:
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages
L11 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Production, Pricing, and Market Structure; Size Distribution of Firms

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This page was last updated on 2009-11-2.

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