Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/233258 
Authors: 
Year of Publication: 
2009
Series/Report no.: 
Discussion paper No. 42
Publisher: 
Aboa Centre for Economics (ACE), Turku
Abstract: 
Structural changes in retail banking markets and development of remote access technologies have reduced the number of bank branches in many developed countries. That makes close-downs of bank branches and service accessibility in rural/peripheral regions interesting topics of public discussion. This paper uses an empirical entry approach in order to analyze whether the peripheral regions have suffered from the development branch networks in general, or are some specific regions faced more closedowns that one can expect? The analysis shows that there are some differences between the regions in accessibility of the services measured both by the number of bank groups and number of branches located in the municipality. Commutation directed to the municipality increased the accessibility as well as the increase in average taxable income. These characteristics are typically related to the local centers but also the administrative city-status had additional positive effect. When it comes to the development of accessibility, the analysis shows no differences between the regions.
Subjects: 
banking
accessibility
regional differences
technological development
concentration
JEL: 
G21
R12
Document Type: 
Working Paper

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