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Regional differences in bank office service accessibility: an entry approach

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  • Aki Koponen

    (Institute for Competition Policy Studies, Turku School of Economics)

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    Abstract

    Structural changes in retail banking markets and development of remote access technologies have reduced the number of bank branches in many developed countries. That makes close-downs of bank branches and service accessibility in rural/peripheral regions interesting topics of public discussion. This paper uses an empirical entry approach in order to analyze whether the peripheral regions have suffered from the development branch networks in general, or are some specific regions faced more closedowns that one can expect? The analysis shows that there are some differences between the regions in accessibility of the services measured both by the number of bank groups and number of branches located in the municipality. Commutation directed to the municipality increased the accessibility as well as the increase in average taxable income. These characteristics are typically related to the local centers but also the administrative city-status had additional positive effect. When it comes to the development of accessibility, the analysis shows no differences between the regions.

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    Bibliographic Info

    Paper provided by Aboa Centre for Economics in its series Discussion Papers with number 42.

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    Length: 30
    Date of creation: Jan 2009
    Date of revision:
    Handle: RePEc:tkk:dpaper:dp42

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    Keywords: banking; accessibility; regional differences; technological development; concentration;

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    1. Krugman, Paul, 1991. "Increasing Returns and Economic Geography," Journal of Political Economy, University of Chicago Press, vol. 99(3), pages 483-99, June.
    2. Andersen, Atso & Snellman, Jussi & Hyytinen, Ari, 2000. "Recent Developments in the Finnish Banking Sector," Research Discussion Papers 15/2000, Bank of Finland.
    3. Jeffery W. Gunther, 1997. "Geographic liberalization and the accessibility of banking services in rural areas," Financial Industry Studies Working Paper 97-1, Federal Reserve Bank of Dallas.
    4. Timothy F. Bresnahan & Peter C. Reiss, 1987. "Do Entry Conditions Vary across Markets?," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 18(3), pages 833-882.
    5. Bresnahan, Timothy F & Reiss, Peter C, 1991. "Entry and Competition in Concentrated Markets," Journal of Political Economy, University of Chicago Press, vol. 99(5), pages 977-1009, October.
    6. Evanoff, Douglas D, 1988. "Branch Banking and Service Accessibility," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 20(2), pages 191-202, May.
    7. Nicola Cetorelli, 2002. "Entry and competition in highly concentrated banking markets," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q IV, pages 18-27.
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