LOCAL SURVIVAL OF BANKS' BRANCHES IN BRAZIL
Autor(a) principal: | |
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Data de Publicação: | 2020 |
Outros Autores: | |
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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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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1800220470887317504 |