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Gli effetti della distanza su alcune componenti della relazione creditizia. Evidenze empiriche

Author

Listed:
  • Andrea Bellucci
  • Ilario Favaretto

Abstract

Nel presente lavoro viene affrontata la tematica della localizzazione delle imprese e delle distanze geografiche che intercorrono con il loro sportello bancario di riferimento con lo scopo di verificarne gli effetti sulle condizioni contrattuali all’interno dei mercati locali del credito. In particolare, si cerca di individuare il soggetto che sostiene i costi generati dalle inefficienze dovute alla distanza (sportello od impresa) e la natura dei costi: trasporto o di informazione. I risultati evidenziano l’importanza del ruolo esercitato dalle distanze sui diversi elementi della decisione creditizia rilevando come un incremento della distanza bancaimpresa generi un aumento dei costi per quest’ultima, mentre la natura dei costi sembrerebbe ricadere su quelli d’informazione.

Suggested Citation

  • Andrea Bellucci & Ilario Favaretto, 2011. "Gli effetti della distanza su alcune componenti della relazione creditizia. Evidenze empiriche," ARGOMENTI, FrancoAngeli Editore, vol. 2011(33), pages 105-138.
  • Handle: RePEc:fan:argarg:v:html10.3280/arg2011-033005
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    More about this item

    Keywords

    Distanze; costi di trasporto; costi d’informazione; tasso di interesse; accesso al credito; relazione di clientela; pmi;

    JEL classification:

    • R3 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location
    • D23 - Microeconomics - - Production and Organizations - - - Organizational Behavior; Transaction Costs; Property Rights
    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • D40 - Microeconomics - - Market Structure, Pricing, and Design - - - General

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