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Messung der regionalen Versorgung mit Bankdienstleistungen vor dem Hintergrund der Digitalisierung: Erprobung eines neuen Messansatzes an Ländern der Europäischen Union

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  • Conrad, Alexander
  • Rösch, Fabian

Abstract

Der Beitrag setzt sich mit der Bewertung der regionalen Versorgung mit Finanzdienstleistungen auseinander. Vor dem Hintergrund der zunehmenden Digitalisierung, die einerseits zu mehr Onlineangeboten und andererseits zur Reduktion von Filialen führt, wird vorgestellt, wie die regionale Versorgung mit Finanzdienstleistungen gemessen werden kann. Hierbei wird der bisherige Messansatz (Filialen je Quadratkilometer bzw. je Einwohner) kritisch beleuchtet und es wird ein erweiterter Messansatz vorgestellt, der demographische, topographische, siedlungsstrukturelle und - mit Blick auf den Zugang zum Internet - infrastrukturelle Aspekte aufgreift. Dieser Ansatz wurde bereits von Conrad et al. (2018) für öffentlich-rechtliche Sparkassen und Genossenschaftsbanken in Deutschland auf kleinräumiger Ebene angewendet. Dabei konnte zwar ein Vergleich der Versorgung innerhalb Deutschlands durchgeführt werden, eine Gegenüberstellung mit Ergebnissen für unterschiedliche Länder - z.B. der Europäischen Union - fehlte hingegen. Dieser Beitrag setzt hier an und stellt dar, inwieweit ein Übertrag des von Conrad et al. (2018) vorgestellten Messansatzes auf unterschiedliche Länder der Europäischen Union möglich ist und welche Aussagen zu Unterschieden in der Versorgungslage auf der Grundlage des Vergleichs abgeleitet werden können. Es zeigt sich, dass ein adäquater Übertrag des Messansatzes noch nicht gelingt. Grund dafür sind fehlende oder zu wenig spezifizierte Daten, die auf europäischer oder nationaler Ebene bereitgestellt werden. Auf Basis der vorhandenen Daten konnte jedoch die Mechanik des Messansatzes für einzelne Länder der Europäischen Union getestet und Ergebnisse für einen länderübergreifenden Vergleich der Versorgungslage abgeleitet werden. Es zeigt sich, dass die Versorgung in den untersuchten Ländern vergleichsweise homogen ausfällt, wenn der bisherige Messansatz angewendet wird. Unter Anwendung des erweiterten Messansatzes zeigt sich hingegen ein differenzierteres Bild.

Suggested Citation

  • 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.
    • Handle: RePEc:zbw:roswps:156
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    References listed on IDEAS

    as
    1. Chiappori, Pierre-Andre & Perez-Castrillo, David & Verdier, Thierry, 1995. "Spatial competition in the banking system: Localization, cross subsidies and the regulation of deposit rates," European Economic Review, Elsevier, vol. 39(5), pages 889-918, May.
    2. Conrad, Alexander, 2008. "Banking in schrumpfenden Regionen: Auswirkungen von Alterung und Abwanderung auf Regionalbanken," Thuenen-Series of Applied Economic Theory 94, University of Rostock, Institute of Economics.
    3. 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.
    4. Conrad, Alexander & Neuberger, Doris & Schneider-Reißig, Maria, 2008. "Geographic and demographic Bank outreach: Evidence from Germany's three-pillar banking system," Thuenen-Series of Applied Economic Theory 98, University of Rostock, Institute of Economics.
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    More about this item

    Keywords

    Versorgung; Finanzdienstleistungen; Ländervergleich;
    All these keywords.

    JEL classification:

    • C18 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Methodolical Issues: General
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • O12 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Microeconomic Analyses of Economic Development
    • R12 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - Size and Spatial Distributions of Regional Economic Activity; Interregional Trade (economic geography)

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