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Physische und digitale Erreichbarkeit von Finanzdienstleistungen der Sparkassen und Genossenschaftsbanken
[Physical and digital accessibility of financial services at savings and cooperative banks]

Author

Listed:
  • Alexander Conrad

    (Hochschule für nachhaltige Entwicklung Eberswalde)

  • Alexander Hoffmann

    (Universität Siegen)

  • Doris Neuberger

    (Universität Rostock
    DIW Berlin
    iff Hamburg
    CERBE Rom)

Abstract

Zusammenfassung Der Beitrag untersucht den physischen und digitalen Zugang zu Finanzdienstleistungen der öffentlich-rechtlichen Sparkassen und Genossenschaftsbanken in Deutschland, um zu beurteilen, ob die durch den Filialrückbau bewirkte reduzierte Präsenz in der Fläche durch digitale Angebote kompensiert werden kann. Die physische Erreichbarkeit wird auf der Ebene der Geschäftsgebiete anhand von Merkmalen der Topographie, Siedlungs- und Altersstruktur sowie der altersabhängigen Verkehrsmittelwahl gemessen. Die digitale Erreichbarkeit wird an der Breitbandgeschwindigkeit des Internets gemessen. Eine Gegenüberstellung beider Maßstäbe für den Zugang zu Finanzdienstleistungen zeigt, dass insbesondere Einwohner dünn besiedelter ländlicher Regionen sowohl einen vergleichsweise schlechten physischen als auch einen unterdurchschnittlichen digitalen Zugang haben. In den nächsten Jahren ist ein Ausbau des Internet-Breitbandes in diesen Regionen besonders gefragt, da wegen der prognostizierten Bevölkerungsentwicklung vor allem dort weitere Filialschließungen anstehen. Jedoch hängt es von der Art der angebotenen Finanzdienstleistung ab, ob die beiden Zugangswege gegeneinander substituierbar sind. Der Vergleich zwischen Sparkassen und Genossenschaftsbanken lässt schließlich keine gravierenden Unterschiede in der physischen Erreichbarkeit erkennen. Es zeigt sich aber, dass Sparkassen – mit Blick auf die verwendeten Indikatoren zur Bewertung der physischen Erreichbarkeit – eine deutlich homogenere Präsenz im Bundesgebiet aufweisen als die Genossenschaftsbanken.

Suggested Citation

  • Alexander Conrad & Alexander Hoffmann & Doris Neuberger, 2018. "Physische und digitale Erreichbarkeit von Finanzdienstleistungen der Sparkassen und Genossenschaftsbanken [Physical and digital accessibility of financial services at savings and cooperative banks]," Review of Regional Research: Jahrbuch für Regionalwissenschaft, Springer;Gesellschaft für Regionalforschung (GfR), vol. 38(2), pages 255-284, October.
  • Handle: RePEc:spr:jahrfr:v:38:y:2018:i:2:d:10.1007_s10037-018-0121-7
    DOI: 10.1007/s10037-018-0121-7
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    Cited by:

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    2. Conrad, Alexander & Rösch, Fabian, 2018. "Messung der regionalen Versorgung mit Bankdienstleistungen vor dem Hintergrund der Digitalisierung: Erprobung eines neuen Messansatzes an Ländern der Europäischen Union," Thuenen-Series of Applied Economic Theory 156, University of Rostock, Institute of Economics.
    3. Franz Flögel & Stefan Gärtner, 2020. "The COVID‐19 Pandemic and Relationship Banking in Germany: Will Regional Banks Cushion an Economic Decline or is A Banking Crisis Looming?," Tijdschrift voor Economische en Sociale Geografie, Royal Dutch Geographical Society KNAG, vol. 111(3), pages 416-433, July.
    4. Conrad, Alexander, 2022. "Nutzung und Nutzen wohnortnaher Paketdepots im ländlichen Raum als Teil einer smarten Logistik - Modellierung und erste Empirie," EconStor Preprints 253367, ZBW - Leibniz Information Centre for Economics.
    5. Conrad, Alexander & Neuberger, Doris & Peters, Florian & Rösch, Fabian, 2018. "Der Einfluss sozioökonomischer Faktoren auf die Nutzung des digitalen Zugangs zu Finanzdienstleistungen: Risikopotenzial für eine informationelle Kluft in den Geschäftsgebieten der Sparkassen," Thuenen-Series of Applied Economic Theory 157, University of Rostock, Institute of Economics.

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