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Branch Banking and the Availability of Banking Services in Metropolitan Areas

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  • Seaver, William L.
  • Fraser, Donald R.

Abstract

The purpose of this paper is to provide evidence on the following question: Are there more banking offices available per person to furnish consumer and business services in branch banking states than in unit banking states? This question is a central part of a broader issue of what limitations should be placed on the ability of individual banks to branch. Indeed, in a recent review of the literature dealing with the branching question, and prepared for the Senate Banking Committee (McIntyre Committee), Guttentag [8] stated: “One of the most pervasive arguments for branch banking is that branch banks provide more office facilities than unit banking.” Yet the available evidence on the question is sparse and existing research contains methodological difficulties which make the findings of questionable value.

Suggested Citation

  • Seaver, William L. & Fraser, Donald R., 1979. "Branch Banking and the Availability of Banking Services in Metropolitan Areas," Journal of Financial and Quantitative Analysis, Cambridge University Press, vol. 14(1), pages 153-160, March.
    • Handle: RePEc:cup:jfinqa:v:14:y:1979:i:01:p:153-160_00
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    Cited by:

    1. Beatriz Fernández-Olit & Juan Diego Paredes-Gázquez & Marta de la Cuesta-González, 2018. "Are Social and Financial Exclusion Two Sides of the Same Coin? An Analysis of the Financial Integration of Vulnerable People," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 135(1), pages 245-268, January.
    2. Fernando Gaviria, 2017. "A new index of banking coverage created from georeferenced data, with an application for Argentina," Revista Ecos de Economía, Universidad EAFIT, vol. 21(45), pages 25-40, December.
    3. L. Alam� & D. Conesa & A. Forte & E. Tortosa-Ausina, 2015. "The geography of Spanish bank branches," Journal of Applied Statistics, Taylor & Francis Journals, vol. 42(4), pages 722-744, April.
    4. Luisa Alamá & Emili Tortosa-Ausina, 2012. "Bank Branch Geographic Location Patterns in S pain: Some Implications for Financial Exclusion," Growth and Change, Wiley Blackwell, vol. 43(3), pages 505-543, September.
    5. Luca Papi & Emma Sarno & Alberto Zazzaro, 2017. "The geographical network of bank organizations: issues and evidence for Italy," Chapters, in: Ron Martin & Jane Pollard (ed.), Handbook on the Geographies of Money and Finance, chapter 8, pages 156-196, Edward Elgar Publishing.
    6. B. Fernández-Olit & C. Ruza & M. Cuesta-González & M. Matilla-Garcia, 2019. "Banks and Financial Discrimination: What Can Be Learnt from the Spanish Experience?," Journal of Consumer Policy, Springer, vol. 42(2), pages 303-323, June.

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