IDEAS home Printed from https://ideas.repec.org/h/spr/eurchp/978-3-031-84319-8_12.html
   My bibliography  Save this book chapter

Bank Branches Since the 2012 Spanish Banking Reform: Impact on Some Municipal Variables

In: Eurasian Business and Economics Perspectives

Author

Listed:
  • Guillermo Peña

    (Universidad de Zaragoza)

Abstract

The main target of this chapter is to study the impact on the Spanish municipalities of the financial reform after the Law of Sanitation of the Financial Sector of February, 2012. This is analyzed by observing the effects of reducing the number of banking branches to lower than 4—or between less than 5 to 5 as robustness check—on some variables of Spanish municipalities. To this aim, recent Difference-in-Differences techniques with multiple periods are applied to the effects of the annual loose of bank branches on municipalities for 2012–2021 derived of that reform over the population. Additionally, the effects on other variables as net income or income inequality measured by the P80/P20 participation are also analyzed. The results show a reduction in the population of rural areas provoked by the disappearance of the banking branches, a decrease that is significant and robust to the different specifications, control variables and samples but is only temporal for the first years, with a full recovery in 5 years. The results also show a negative but temporal impact on both economic activity per capita and income inequality. This chapter and its results reveal the importance of banking branches not only as a crucial service in isolated areas, but also as a good tool for fighting against the countryside depopulation. Additional policy measures are provided.

Suggested Citation

  • Guillermo Peña, 2025. "Bank Branches Since the 2012 Spanish Banking Reform: Impact on Some Municipal Variables," Eurasian Studies in Business and Economics, in: Mehmet Huseyin Bilgin & Hakan Danis & Ender Demir & Giovanni Di Bartolomeo (ed.), Eurasian Business and Economics Perspectives, pages 197-217, Springer.
    • Handle: RePEc:spr:eurchp:978-3-031-84319-8_12
    DOI: 10.1007/978-3-031-84319-8_12
    as

    Download full text from publisher

    To our knowledge, this item is not available for download. To find whether it is available, there are three options:
    1. Check below whether another version of this item is available online.
    2. Check on the provider's web page whether it is in fact available.
    3. Perform a search for a similarly titled item that would be available.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:spr:eurchp:978-3-031-84319-8_12. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.