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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
    as

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    References listed on IDEAS

    as
    1. Berger, Allen N. & Klapper, Leora F. & Udell, Gregory F., 2001. "The ability of banks to lend to informationally opaque small businesses," Journal of Banking & Finance, Elsevier, vol. 25(12), pages 2127-2167, December.
    2. Wim Fonteyne, 2007. "Cooperative Banks in Europe—Policy Issues," IMF Working Papers 07/159, International Monetary Fund.
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    4. Besley, Timothy & Coate, Stephen, 1995. "Group lending, repayment incentives and social collateral," Journal of Development Economics, Elsevier, vol. 46(1), pages 1-18, February.
    5. Hans Degryse & Steven Ongena, 2005. "Distance, Lending Relationships, and Competition," Journal of Finance, American Finance Association, vol. 60(1), pages 231-266, February.
    6. Luigi Guiso & Paola Sapienza & Luigi Zingales, 2004. "Does Local Financial Development Matter?," The Quarterly Journal of Economics, Oxford University Press, vol. 119(3), pages 929-969.
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    8. Allen Berger & Robert DeYoung, 2001. "The Effects of Geographic Expansion on Bank Efficiency," Journal of Financial Services Research, Springer;Western Finance Association, vol. 19(2), pages 163-184, April.
    9. Abhijit V. Banerjee & Timothy Besley & Timothy W. Guinnane, 1994. "Thy Neighbor's Keeper: The Design of a Credit Cooperative with Theory and a Test," The Quarterly Journal of Economics, Oxford University Press, vol. 109(2), pages 491-515.
    10. J S Pollard, 1996. "Banking at the margins: a geography of financial exclusion in Los Angeles," Environment and Planning A, Pion Ltd, London, vol. 28(7), pages 1209-1232, July.
    11. Angelini, P. & Di Salvo, R. & Ferri, G., 1998. "Availability and cost of credit for small businesses: Customer relationships and credit cooperatives," Journal of Banking & Finance, Elsevier, vol. 22(6-8), pages 925-954, August.
    12. Sharpe, Steven A, 1990. " Asymmetric Information, Bank Lending, and Implicit Contracts: A Stylized Model of Customer Relationships," Journal of Finance, American Finance Association, vol. 45(4), pages 1069-1087, September.
    13. Ferri, Giovanni & Messori, Marcello, 2000. "Bank-firm relationships and allocative efficiency in Northeastern and Central Italy and in the South," Journal of Banking & Finance, Elsevier, vol. 24(6), pages 1067-1095, June.
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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.

    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 - Economic Systems - - Capitalist Systems - - - 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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