LOCAL SURVIVAL OF BANKS' BRANCHES IN BRAZIL

Detalhes bibliográficos
Autor(a) principal: Santos, Mateus Guilherme dos
Data de Publicação: 2020
Outros Autores: Cavalcante, Anderson Tadeu Marques
Tipo de documento: Artigo
Idioma: eng
por
Título da fonte: Revista brasileira de gestão e desenvolvimento regional
Texto Completo: https://www.rbgdr.net/revista/index.php/rbgdr/article/view/5399
Resumo: The aim of this study is to better understand the determinants of the local survival of bank branches in Brazil. The banking system has undergone several changes, especially with the advent of new information technologies, which directly affect the logic of the existence of bank branches. However, bank branches are still important channels for accessing financial services, especially in peripheral regions in the country, and the reduction in their number may affect local development in different municipalities. The analysis offers a bank branch survival indicator, at the municipal level, from which it is intended to verify, through a panel data model, the determinants of branch survival, including elements related to portfolio management agencies, and the characteristics of local banking markets and municipalities. Results indicate the importance of local demand and the good management of assets and liabilities as fundamental elements of local branch survival. However, the concentration of resources in municipalities tends to increase competition between agencies and accelerate the replacement of branches by other agents and services available, reducing the local survival rate. These results point to the importance of understanding the local dynamics in the current processes of change in the banking system in order to inform sectoral and public development strategies.
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spelling LOCAL SURVIVAL OF BANKS' BRANCHES IN BRAZILSOBREVIVÊNCIA LOCAL DE AGÊNCIAS BANCÁRIAS NO BRASILFinancial Services. Banks"™ branches. Survival. Financial and regional developmentServiços financeiros. Agências bancárias. Sobrevivência. Desenvolvimento financeiro e regional.The aim of this study is to better understand the determinants of the local survival of bank branches in Brazil. The banking system has undergone several changes, especially with the advent of new information technologies, which directly affect the logic of the existence of bank branches. However, bank branches are still important channels for accessing financial services, especially in peripheral regions in the country, and the reduction in their number may affect local development in different municipalities. The analysis offers a bank branch survival indicator, at the municipal level, from which it is intended to verify, through a panel data model, the determinants of branch survival, including elements related to portfolio management agencies, and the characteristics of local banking markets and municipalities. Results indicate the importance of local demand and the good management of assets and liabilities as fundamental elements of local branch survival. However, the concentration of resources in municipalities tends to increase competition between agencies and accelerate the replacement of branches by other agents and services available, reducing the local survival rate. These results point to the importance of understanding the local dynamics in the current processes of change in the banking system in order to inform sectoral and public development strategies.Este estudo busca compreender os determinantes da sobrevivência local das agências bancárias no Brasil. O sistema bancário tem passado por diversas mudanças, em especial com o advento de novas tecnologias de informação, que afetam diretamente a própria lógica da existência de agências bancárias. Por outro lado, as agências bancárias ainda são importantes canais de acesso a serviços, especialmente em regiões periféricas do paí­s, e a redução de seu número pode afetar o desenvolvimento local nesses espaços. A análise parte da construção de um indicador de sobrevivência das agências bancárias, em ní­vel municipal, a partir do qual pretende-se verificar, por meio de um modelo de dados em painel, os determinantes da sobrevivência de agências, incluindo elementos respectivos ao gerenciamento do portfólio das agências e das caracterí­sticas do mercado bancário local e dos municí­pios. Resultados apontam para a importância da demanda local e o bom gerenciamento de ativos e passivos nas agências como elementos de sobrevivência. Entretanto, a concentração de recursos nos muní­cipios tende a aumentar a concorrência entre agências e a acelerar a substituição de agências por outros agentes e serviços disponí­veis, reduzindo a taxa de sobrevivência. Esses resultados apontam para a importância de entender a dinâmica local nos atuais processos de mudança no sistema bancário para informar as estratégias de desenvolvimento setorial e público.Universidade de Taubaté2020-05-28info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfapplication/pdfhttps://www.rbgdr.net/revista/index.php/rbgdr/article/view/539910.54399/rbgdr.v16i2.5399Revista Brasileira de Gestão e Desenvolvimento Regional; Vol. 16 No. 2 (2020)RBGDR; Vol. 16 Núm. 2 (2020)Revista Brasileira de Gestão e Desenvolvimento Regional; v. 16 n. 2 (2020)1809-239X10.54399/rbgdr.v16i2reponame:Revista brasileira de gestão e desenvolvimento regionalinstname:Universidade de Taubaté (UNITAU)instacron:UNITAUengporhttps://www.rbgdr.net/revista/index.php/rbgdr/article/view/5399/939https://www.rbgdr.net/revista/index.php/rbgdr/article/view/5399/940Copyright (c) 2020 Revista Brasileira de Gestão e Desenvolvimento Regionalinfo:eu-repo/semantics/openAccessSantos, Mateus Guilherme dosCavalcante, Anderson Tadeu Marques2021-08-30T00:26:00Zoai:ojs2.rbgdr.net:article/5399Revistahttps://www.rbgdr.net/revista/index.php/rbgdrPUBhttps://www.rbgdr.net/revista/index.php/rbgdr/oai||monicafcarniello@gmail.com1809-239X1809-239Xopendoar:2021-08-30T00:26Revista brasileira de gestão e desenvolvimento regional - Universidade de Taubaté (UNITAU)false
dc.title.none.fl_str_mv LOCAL SURVIVAL OF BANKS' BRANCHES IN BRAZIL
SOBREVIVÊNCIA LOCAL DE AGÊNCIAS BANCÁRIAS NO BRASIL
title LOCAL SURVIVAL OF BANKS' BRANCHES IN BRAZIL
spellingShingle LOCAL SURVIVAL OF BANKS' BRANCHES IN BRAZIL
Santos, Mateus Guilherme dos
Financial Services. Banks"™ branches. Survival. Financial and regional development
Serviços financeiros. Agências bancárias. Sobrevivência. Desenvolvimento financeiro e regional.
title_short LOCAL SURVIVAL OF BANKS' BRANCHES IN BRAZIL
title_full LOCAL SURVIVAL OF BANKS' BRANCHES IN BRAZIL
title_fullStr LOCAL SURVIVAL OF BANKS' BRANCHES IN BRAZIL
title_full_unstemmed LOCAL SURVIVAL OF BANKS' BRANCHES IN BRAZIL
title_sort LOCAL SURVIVAL OF BANKS' BRANCHES IN BRAZIL
author Santos, Mateus Guilherme dos
author_facet Santos, Mateus Guilherme dos
Cavalcante, Anderson Tadeu Marques
author_role author
author2 Cavalcante, Anderson Tadeu Marques
author2_role author
dc.contributor.author.fl_str_mv Santos, Mateus Guilherme dos
Cavalcante, Anderson Tadeu Marques
dc.subject.por.fl_str_mv Financial Services. Banks"™ branches. Survival. Financial and regional development
Serviços financeiros. Agências bancárias. Sobrevivência. Desenvolvimento financeiro e regional.
topic Financial Services. Banks"™ branches. Survival. Financial and regional development
Serviços financeiros. Agências bancárias. Sobrevivência. Desenvolvimento financeiro e regional.
description The aim of this study is to better understand the determinants of the local survival of bank branches in Brazil. The banking system has undergone several changes, especially with the advent of new information technologies, which directly affect the logic of the existence of bank branches. However, bank branches are still important channels for accessing financial services, especially in peripheral regions in the country, and the reduction in their number may affect local development in different municipalities. The analysis offers a bank branch survival indicator, at the municipal level, from which it is intended to verify, through a panel data model, the determinants of branch survival, including elements related to portfolio management agencies, and the characteristics of local banking markets and municipalities. Results indicate the importance of local demand and the good management of assets and liabilities as fundamental elements of local branch survival. However, the concentration of resources in municipalities tends to increase competition between agencies and accelerate the replacement of branches by other agents and services available, reducing the local survival rate. These results point to the importance of understanding the local dynamics in the current processes of change in the banking system in order to inform sectoral and public development strategies.
publishDate 2020
dc.date.none.fl_str_mv 2020-05-28
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://www.rbgdr.net/revista/index.php/rbgdr/article/view/5399
10.54399/rbgdr.v16i2.5399
url https://www.rbgdr.net/revista/index.php/rbgdr/article/view/5399
identifier_str_mv 10.54399/rbgdr.v16i2.5399
dc.language.iso.fl_str_mv eng
por
language eng
por
dc.relation.none.fl_str_mv https://www.rbgdr.net/revista/index.php/rbgdr/article/view/5399/939
https://www.rbgdr.net/revista/index.php/rbgdr/article/view/5399/940
dc.rights.driver.fl_str_mv Copyright (c) 2020 Revista Brasileira de Gestão e Desenvolvimento Regional
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2020 Revista Brasileira de Gestão e Desenvolvimento Regional
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
application/pdf
dc.publisher.none.fl_str_mv Universidade de Taubaté
publisher.none.fl_str_mv Universidade de Taubaté
dc.source.none.fl_str_mv Revista Brasileira de Gestão e Desenvolvimento Regional; Vol. 16 No. 2 (2020)
RBGDR; Vol. 16 Núm. 2 (2020)
Revista Brasileira de Gestão e Desenvolvimento Regional; v. 16 n. 2 (2020)
1809-239X
10.54399/rbgdr.v16i2
reponame:Revista brasileira de gestão e desenvolvimento regional
instname:Universidade de Taubaté (UNITAU)
instacron:UNITAU
instname_str Universidade de Taubaté (UNITAU)
instacron_str UNITAU
institution UNITAU
reponame_str Revista brasileira de gestão e desenvolvimento regional
collection Revista brasileira de gestão e desenvolvimento regional
repository.name.fl_str_mv Revista brasileira de gestão e desenvolvimento regional - Universidade de Taubaté (UNITAU)
repository.mail.fl_str_mv ||monicafcarniello@gmail.com
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