地理位置很重要：大衰退期间地域扩张对银行业绩的影响

IF 2.4 3区经济学 Q2 ECONOMICS

Papers in Regional Science Pub Date : 2024-02-01 DOI:10.1016/j.pirs.2024.100009

Luke Petach , Stephan Weiler , Greg Totten

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引用次数: 0

摘要

在经济衰退期间，地域扩张对银行业绩产生负面影响。虽然特定银行的平均银行到网点距离的增加对银行业绩有微小的积极影响，但由于总体溢出效应，所有银行的平均银行到网点距离的增加对业绩有负面影响。这些发现支持了银行业存在经济上实质性的地理信息不对称，强调了明确考虑银行业（去）监管的空间影响的必要性。

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Geography matters: The impact of geographic expansion on bank performance during the Great Recession

Geographic expansion negatively impacts bank outcomes during recessions. While increases in average bank-to-branch distance for a given bank have a small positive impact on bank performance, increases in average bank-to-branch distance across all banks negatively impact performance as a result of aggregate spillovers. These findings support the existence of economically substantive geographic information asymmetries in banking, emphasizing the need for an explicit consideration of the spatial implications of banking (de-)regulation.

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来源期刊

Papers in Regional Science Multiple-

CiteScore

4.40

自引率

4.80%

发文量

期刊介绍： Regional Science is the official journal of the Regional Science Association International. It encourages high quality scholarship on a broad range of topics in the field of regional science. These topics include, but are not limited to, behavioral modeling of location, transportation, and migration decisions, land use and urban development, interindustry analysis, environmental and ecological analysis, resource management, urban and regional policy analysis, geographical information systems, and spatial statistics. The journal publishes papers that make a new contribution to the theory, methods and models related to urban and regional (or spatial) matters.