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首页> 外文期刊>Journal of consumer policy >Banks and Financial Discrimination: What Can Be Learnt from the Spanish Experience?
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Banks and Financial Discrimination: What Can Be Learnt from the Spanish Experience?

机译：银行和财务歧视：可以从西班牙经验中吸取什么？

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This paper analyses the phenomenon of financial discrimination that has been identified in many developed countries in the aftermath of the financial crisis. We would consider the process of worsening quality in the provision of banking products and services as part of the increasing problem of financial exclusion, which should consider not only physical access to branches but also the difficulties of using banking services and products. Our primary concern is focused on the collective of vulnerable customers, so we have carried out an analysis at a micro-scale (urban districts and municipalities) to identify the main determinants of financial discrimination of territories according to their socioeconomic profile. This study constitutes a first attempt to analyse financial discrimination in the provision of banking products and services at an urban micro-scale. We have considered the cases of Madrid and Barcelona in Spain as good references, as these large urban territories have a high level of social inequality. The methodology applied is quantile regressions, a useful technique for analysing the "extreme" nature of the phenomenon of financial discrimination. Our results confirm that the more overloaded branches are located in districts characterized by a lower socioeconomic profile, indicating a banking industry trend towards "low-cost" retail banking to serve the group of less profitable, more vulnerable customers. Some recommendations are outlined for policymakers in line with the aims and scope of the Payment Accounts Directive of the European Union.
机译：本文分析了在金融危机的许多发达国家在许多发达国家中确定的财务歧视现象。我们将考虑在提供银行产品和服务中提供质量恶化的过程，作为金融排除越来越多的资金，这不仅应考虑对分支机构的物理访问，也应考虑使用银行服务和产品的困难。我们的主要关注点是专注于弱势客户的集体，因此我们在微观规模（城市地区和城市）进行了分析，以确定根据其社会经济型材的地区财务歧视的主要决定因素。本研究构成了第一次尝试分析在城市微观规模提供银行产品和服务的财务歧视。我们认为西班牙马德里和巴塞罗那的案件是良好的参考资料，因为这些大城市领土具有高水平的社会不平等。所应用的方法是定量回归，是分析财务歧视现象的“极端”性质的有用技术。我们的结果证实，越过载的分支机构位于较低的社会经济型材的地区，表明银行业趋势朝着“低成本”零售银行业务，为该集团提供更少的有利可图，更脆弱的客户。关于政策制定者的一些建议，符合欧洲联盟付款账目指令的目标和范围。

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