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Bank branching and branch networks.

机译：银行分行和分行网络。

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摘要

My dissertation is concerned with branch networks of depository institutions.; The first chapter considers the question of how the level of deposits obtained by one bank branch depends on the geography of other branches in the network. I present a spatial model of consumer choice of depository institution in which there is a positive relation between the level of deposits per branch and the proximity of other branches. I call this effect a branch network benefit. To test this model empirically I estimate it within a discrete choice framework using data on six states. Using the estimated model I perform a counterfactual experiment of changing the geography of branches by increasing the expected distances that consumers need to travel to reach them. The biggest impact occurred for Iowa, where the predicted deposits per branch would fall on average by 8%. The moderate results occurred for Nebraska with the average fall of 5.3% and the smallest impact occurred for North Dakota, South Dakota, Montana and Wyoming with the average decrease of merely 0.4%.; The second chapter considers the compliance of depository institutions with the Community Reinvestment Act. Its purpose is to encourage depository institutions to help meet the credit needs of the communities in which they operate. Banks that get low scores on three tests (lending, investment, and service) can be denied the possibilities of opening new branches, merging with other institutions or entering new lines of business. In particular the service test is supposed to measure the availability of banks' offices in the low-income neighborhoods. In this chapter I construct a measure of access to branch networks for consumers that incorporates the distances that they need to travel to reach the branches. With this measure I assess the aggregate compliance of banks with the CRA service test. In Iowa and Wyoming it seems that the richer consumers actually have to travel longer distances. However, for Nebraska, North Dakota, South Dakota and Montana the results are reversed, whereby both Dakotas seem to have the weakest compliance. However there is no strong correlation between this measure and the per capita income.
机译：我的论文是关于存款机构的分支机构网络的。第一章考虑一个银行分支机构获得的存款水平如何取决于网络中其他分支机构的地理位置的问题。我提出了存款机构的消费者选择的空间模型，其中每个分支机构的存款水平与其他分支机构的邻近程度之间存在正相关关系。我称这种效应为分支机构网络的收益。为了凭经验测试该模型，我在离散选择框架中使用六个状态的数据对其进行了估计。使用估计的模型，我进行了反事实实验，通过增加消费者到达分支机构所需的预期距离来改变分支机构的地理位置。对爱荷华州的影响最大，每个分行的预计存款平均下降​​8％。内布拉斯加州为中等结果，平均下降5.3％，北达科他州，南达科他州，蒙大拿州和怀俄明州的影响最小，平均下降仅为0.4％。第二章考虑了存款机构遵守《社区再投资法》的情况。其目的是鼓励存款机构帮助满足其所在社区的信贷需求。在三个测试（贷款，投资和服务）上得分不高的银行可能被剥夺了开设新分支机构，与其他机构合并或进入新业务领域的可能性。特别是，服务测试应该用来衡量低收入社区中银行办公室的可用性。在本章中，我为消费者建立了访问分支机构网络的方法，该方法综合了他们到达分支机构所需的距离。通过这项措施，我评估了银行对CRA服务测试的总体合规性。在爱荷华州和怀俄明州，似乎富裕的消费者实际上必须走更长的距离。但是，对于内布拉斯加州，北达科他州，南达科他州和蒙大纳州，结果却相反，这两个达科他州似乎最弱。但是，这一措施与人均收入之间没有强相关性。

著录项

  • 作者

    Grzelonska, Patrycja U.;

  • 作者单位

    University of Minnesota.;

  • 授予单位 University of Minnesota.;
  • 学科 Economics General.; Economics Finance.; Business Administration Banking.
  • 学位 Ph.D.
  • 年度 2006
  • 页码 63 p.
  • 总页数 63
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类 经济学;财政、金融;金融、银行;
  • 关键词

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