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Le determinanti dei tassi di interesse bancari nelle regioni italiane

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  • Manuela Gallo
  • Valeria Vannoni

Abstract

Il lavoro presenta un?analisi delle dinamiche dei tassi di interesse bancari nelle regioni italiane, in relazione alle caratteristiche del mercato bancario locale. La verifica empirica vuole indagare l?influenza che variabili riferibili alla densita e alla concentrazione della rete bancaria, alla qualita del credito e alla produttivita regionale esercitano sul costo dei finanziamenti bancari. I risultati evidenziano in particolare una relazione diretta tra sofferenze su crediti e tassi di interesse, un costo del credito piu elevato in presenza di una crescente concentrazione bancaria e una riduzione dei tassi di interesse nelle regioni in cui e maggiore la presenza di banche locali.

Suggested Citation

  • Manuela Gallo & Valeria Vannoni, 2015. "Le determinanti dei tassi di interesse bancari nelle regioni italiane," SCIENZE REGIONALI, FrancoAngeli Editore, vol. 2015(1), pages 67-84.
    • Handle: RePEc:fan:scresc:v:html10.3280/scre2015-001004
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    More about this item

    Keywords

    Economie regionali; tassi di interesse; credito bancario.;
    All these keywords.

    JEL classification:

    • R1 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics
    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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