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Regional variation in banking services and social exclusion

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  • S. P. Chakravarty

Abstract

Chakravarty S. P. (2006) Regional variation in banking services and social exclusion, Regional Studies 40, 415-428. The paper examines the argument that the concentration of banking in large urban areas could result in social exclusion. There are those who fear that customers living in peripheral regions will suffer discrimination, and businesses will decline. An alternative view is that the geographical proximity of banks in an age of electronic communication is not needed. These conflicting views are examined in the context of the literature on statistical discrimination. It is concluded that it would be unwise to write off the importance of geography in the location of financial services. Chakravarty S. P. (2006) La variation regionale des services bancaires et l'exclusion sociale, Regional Studies 40, 415-428. Cet article cherche a examiner l'argument suivant: la concentration du secteur bancaire dans les grandes zones urbaines aurait pour resultat l'exclusion sociale. Certains craignent que les clients qui habitent les zones a la peripherie souffriront de la discrimination et que les entreprises se ralentiront. Un autre point de vue considere que la proximite geographique des banques a l'heure des systemes de communication electroniques n'est pas necessaire. Cet article cherche donc a examiner ces points de vue contradictoires a partir de la documentation sur la discrimination statistique. On arrive a la conclusion suivante: il serait imprudent de renoncer a l'importance de la geographie quant a la localisation des services financiers. Exclusion financiere, Exclusion sociale, Fermeture des agences, Operations bancaires regionales Chakravarty S. P. (2006) Regionale Abweichung bei Bankdienstleistungen und gesellschaftliche Benachteiligung, Regional Studies 40, 415-428. Dieser Aufsatz untersucht das Argument, dass die Konzentration des Bankwesens in Grossstadten gesellschaftliche Benachteiligung zur Folge haben konnte. Es gibt Stimmen, die befurchten, dass Kunden, die in Randgebieten leben, unter Diskriminierung leiden, und Geschaftsunternehmen zuruckgehen werden. Eine alternative Ansicht behauptet, dass geographische Nahe im Zeitalter elektronischer Kommunikationen nicht notig ist. Diese widerspruchlichen Ansichten werden hier im Zusammenhang mit Literatur uber statistische Diskrimination untersucht, und man kommt zu dem Schluss, dass es unklug sein wurde, die Bedeutung der Geographie beim Standort finanzieller Dienstleistungen abzuschreiben. Finanzielle Benachteiligung, gesellschaftlicher Benachteiligung, Schliessung von Zweigstellen, regionales Bankwesen Chakravarty S. P. (2006) Variacion regional en los servicios bancarios y la exclusion social, Regional Studies 40, 415-428. En este articulo se examina si la concentracion de bancos en grandes zonas urbanas puede desembocar en exclusion social. Algunos temen que los clientes que vivan en regiones perifericas acaben padeciendo discriminacion y ocurra un declive de los negocios. Otro punto de vista es que no es necesaria la proximidad geografica de los bancos en la era de la comunicacion electronica. Aqui se analizan estas opiniones contrastadas comparandolas con bibliografia sobre discriminacion estadistica. Llegamos a la conclusion de que seria imprudente ignorar la importancia de la geografia a la hora de ubicar los servicios financieros. Exclusion financiera, Exclusion social, Cierre de sucursales, Banca regional

Suggested Citation

  • S. P. Chakravarty, 2006. "Regional variation in banking services and social exclusion," Regional Studies, Taylor & Francis Journals, vol. 40(4), pages 415-428.
    • Handle: RePEc:taf:regstd:v:40:y:2006:i:4:p:415-428
    DOI: 10.1080/00343400600632747
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