¿Existen demasiadas sucursales bancarias en España?: un análisis para el periodo 1999-2011

• Autores: David Valentín Conesa Guillén , Priscila Espinosa, Anabel Forte Deltell , Emili Tortosa Ausina
• Localización: Cuadernos económicos de ICE, ISSN 0210-2633, Nº 92 (Segundo semestre), 2016 (Ejemplar dedicado a: Una panorámica del sector bancario despues de la crisis), págs. 199-232
• Idioma: español
• DOI: 10.32796/cice.2016.92.6141
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• Dialnet Métricas: 1 Cita
• Resumen
  • español

    Tras un largo periodo de intensa expansión territorial que culminó en 2008, la reestructuración del sector bancario español ha llevado a que el número de sucursales haya pasado de 45.000 a poco más de 28.000 en menos de una década. Las implicaciones de esta tendencia son notables, pues el acceso a la oficina física sigue siendo clave en comunidades remotas y/o desfavorecidas, además de existir un impacto todavía no medido en términos de banca relacional. El objetivo del trabajo consiste en determinar, a través de un modelo estadístico, si los fenómenos de over-branching y under-branching, esto es, exceso o escasez de oficinas, han estado presentes en el sector bancario español entre 1999 y 2011. La respuesta indicaría que la existencia de dichos fenómenos depende del tipo de entidad considerada (banco, caja o cooperativa), suponiendo la reestructuración del sector cajas de ahorros una amenaza para el acceso a los servicios bancarios en algunas regiones.

  • English

    After a long period of intense territorial expansion that peaked in 2008, the restructuring of the Spanish banking sector has led the number of bank branches to decline from 45,000 to just over 28,000 in less than a decade. The implications of this trend are remarkable, as access to the physical office remains key in remote and/or disadvantaged communities, and there is an impact not yet measured in terms of relationship banking. The objective of this paper is to determine, through a statistical model, whether the phenomena of over-branching and under-branching have been present in the Spanish banking sector between 1999 and 2011. The responses suggest that the existence of such phenomena depends on the type of bank considered (commercial bank, savings bank or credit union), with the restructuring of the savings banks sector threatening access to banking services in some regions.

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