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La geografia del potere bancario: il ruolo delle distanze funzionali

Author

Listed:
  • Pietro Alessandrini

    (Università Politecnica delle Marche, LABIS – Laboratorio Banca Impresa e Sviluppo territoriale, Dipartimento di Economia, Ancona)

  • Manuela Croci

    (Financial Services Authority, Economics of Financial Regulation, London (Gran Bretagna))

  • Alberto Zazzaro

    (Università Politecnica delle Marche, LABIS - Laboratorio Banca Impresa e Sviluppo Territoriale, Dipartimento di Economia, Ancona)

Abstract

In this paper we analyze the new geography of the Italian banking system that has arisen after the integration of banking structures in recent years. The analysis of the evolution of the banking system is based on the concept of distance. In particular, we do not only refer to the traditional distance between banks and customers, which is the operating distance, but also to the distance between the centers of decision-making banks and local systems. The subject of the essay is about the effects that the distance (or proximity) function determines on the performance of banks in terms of credit allocation, on efficiency and on profitability. Our econometric estimates show that the functional proximity has asymmetric territorial effect on the performance of banks. Its beneficial effects are statistically obvious to the less developed southern regions, while they are not significantly relevant to the more developed regions of central and northern Italy.

Suggested Citation

  • Pietro Alessandrini & Manuela Croci & Alberto Zazzaro, 2005. "La geografia del potere bancario: il ruolo delle distanze funzionali," Moneta e Credito, Economia civile, vol. 58(232), pages 109-153.
    • Handle: RePEc:psl:moneta:2005:31
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    More about this item

    Keywords

    sistema bancario italiano; distanza operativa; regioni; Italia;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • 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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