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A vidék bankjai?. A magyar takarékszövetkezeti szektor hitelezési aktivitása
[Local finance?. Lending activity by the Hungarian cooperative banking sector]

Author

Listed:
  • Gál, Zoltán
  • Burger, Csaba

Abstract

A vidék bankjainak tekintett szövetkezeti pénzintézetek - a kereskedelmi bankokétól eltérő - elsődleges célja a helyi gazdaság és a közösség hitelezése, azaz a helyben gyűjtött betétek kihelyezése helyi hitel formájában. Kis méretükből fakadó versenyhátrányaik ellensúlyozására azonban integrációs hálózatukon keresztül szoros kapcsolatot tartanak a fejlett tőkepiacokkal. A tanulmány - felhasználva a pénzügyi tőke térbeli koncentrálódását és a szövetkezeti vállalatirányítási kérdéseket leíró elméleteket - megvizsgálja, hogy a magyarországi takarékszövetkezetek hitelezési gyakorlata követi-e a klasszikus szövetkezeti banki modellt, amelyben az elsődleges cél a helyi gazdaság finanszírozása. A szerzőpáros - az összes hazai takarékszövetkezet és szövetkezeti múltra visszatekintő részvénytársaság 2010. évi mérleg-, kitettségi és fiókhálózati adatait felhasználva - a forráskihelyezések struktúrája alapján megállapítja, hogy a hazai szövetkezeti pénzintézetek csak örökségüket tekintve a "vidék bankjai", sokkal inkább a finanszírozási forrásaikat vidékről a pénzügyi centrumok felé csatornázó intézmények. A vidéki hitelkihelyezés gyengesége nem igazolható a betétállomány szűkösségével. Journal of Economic Literature (JEL) kód: G21, G28, P13, R12.

Suggested Citation

  • Gál, Zoltán & Burger, Csaba, 2013. "A vidék bankjai?. A magyar takarékszövetkezeti szektor hitelezési aktivitása [Local finance?. Lending activity by the Hungarian cooperative banking sector]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(4), pages 373-401.
    • Handle: RePEc:ksa:szemle:1377
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    References listed on IDEAS

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    Cited by:

    1. Király, Júlia, 2016. "A magyar bankrendszer tulajdonosi struktúrájának átalakulása [Transformation of the ownership structure of the Hungarian banking system]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(7), pages 725-761.

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    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • P13 - Political Economy and Comparative Economic Systems - - Capitalist Economies - - - Cooperative Enterprises
    • R12 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - Size and Spatial Distributions of Regional Economic Activity; Interregional Trade (economic geography)

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