444
Views
15
CrossRef citations to date
0
Altmetric
Policy Debates

Regional variation in banking services and social exclusion

Pages 415-428 | Received 01 Jan 2003, Published online: 22 Feb 2011

References

  • Argent , N. 2002 . “ A global model or a scaled down version? Geographics of convergence and divergence in the Australian retail banking sector ” . In Geoforum Vol. 33 , 313 – 334 .
  • Arrow , K. J. 1972 . “ Some mathematical models of race in the labor market ” . In Racial Discrimination in Economic Life , Edited by: Pascal , A. H. 197 – 204 . Lexington, KY : D. C. Heath .
  • Arrow , K. J. 1973 . “ The theory of discrimination ” . In Discrimination in Labor Markets , Edited by: Ashenfelter , O. and Rees , A. 3 – 33 . Princeton, NJ : Princeton University Press .
  • Bauman , Z. 1993 . Postmodern Ethics , Oxford : Blackwell .
  • Becker , G. S. 1993 . “ Nobel Lecture: The economic way of looking at behavior ” . In Journal of Political Economy Vol. 101 , 385 – 409 .
  • Berger , A. N. and Udell , G. F. 1995 . “ Relationship lending and lines of credit in small firm finance ” . In Journal of Business Vol. 68 , 351 – 381 .
  • Cairncross , F. 1997 . The Death of Distance: How the Communications Revolution Will Change Our Lives , London : Orion Business .
  • Cameron , G. C. 1968 . “ The regional problem in the United States – some reflections on a viable federal strategy ” . In Regional Studies Vol. 2 , 207 – 220 .
  • Carbo , S. , Gardener , E. P. M. and Williams , J. 2002 . “ Efficiency in banking: empirical evidence from the savings banks sector ” . In Manchester School Vol. 70 , 204 – 228 .
  • Chakravarty , S. P. and Williams , J. 2005 . “ How significant is the alleged unfair advantage enjoyed by state-owned banks in Germany? ” . In Cambridge Journal of Economics, Advance Access DOI: 10.1093
  • Chick , V. and Dow , S. C. 1988 . “ A post-Keynesian perspective on the relation between banking and regional development ” . In Post-Keynesian Monetary Economics , Edited by: Arestis , P. 219 – 250 . Aldershot : Elgar .
  • Cole , R. A. 1998 . “ The importance of relationships to the availability of credit ” . In Journal of Banking and Finance Vol. 22 , 959 – 977 .
  • Competition Commission . March 2002 . The Supply of Banking Services by Clearing Banks to Small and Medium-sized Enterprises , Vol. 1 , March , London : Competition Commission . Cmnd 5319, March. (available at: http://www.competition-commission.org.uk/rep_pub/reports/2002/462banks.htm#full)
  • De Juan , R. 2002 . “ Entry in independent submarkets: an application to the Spanish retail banking market ” . In Economic and Social Review Vol. 33 , 109 – 118 .
  • Degryse , H. and Ongena , S. 2003 . Distance, Lending Relationships, and Competition , Tilburg : University of Tilburg . Discussion Paper No. 2003-123. CentER
  • Dow , S. C. 1992 . “ The regional financial sector: a Scottish case study ” . In Regional Studies Vol. 26 , 619 – 631 .
  • Dow , S. C. 1998 . “ The stages of banking development and the spatial evolution of financial systems ” . In Money and the Space Economy , Edited by: Martin , R. 31 – 48 . London : Wiley .
  • Dow , S. C. and Rodriguez-Fuentes , C. J. 1997 . “ Regional finance: a survey ” . In Regional Studies Vol. 31 , 903 – 920 .
  • Du Gay , P. 2000 . In Praise of Bureaucracy , London : Sage .
  • Dymski , G. A. 1999 . The Bank Merger Wave: The Economic Causes and Social Consequences of Financial Consolidation , London : M. E. Sharpe .
  • Dymski , G. A. and Veitch , J. M. 1992 . “ Race and the financial dynamics of urban growth: L. A. as Fay Wray ” . In City of Angels , Edited by: Riposa , G. and Dersch , C. 131 – 158 . Dubuque, IA : Kendall/Hunt .
  • European Central Bank . 2002 . Structural Analysis of the EU Banking Sector: Year 2001 , ECB . Frankfurt am Main
  • Flux , A. 1996 . From Tellers to Sellers: The Impact of Restructuring on Employment in the New Zealand Banking Industry , Wellington : Victoria University of New Zealand . Department of Geography Research Monograph No. 6
  • French , D. 2001 . The Case for Community Banking , London : New Economics Foundation .
  • Gardener , E. P. M. and Williams , J. 2003 . “ The efficiency of European regional Banking ” . In Regional Studies Vol. 37 , 321 – 330 .
  • Gloyens , P. 2002 . “ The Landesbanks: how long can they retain competitive advantage? ” . In Journal of International Banking Law Vol. 17 , 53 – 58 .
  • Kempson , E. and Jones , T. 2000 . Banking Without Branches , London : British Bankers' Association .
  • KPMG . 1997 . Financial Institutions Performance Survey: New Zealand , Wellington : KPMG .
  • Laver , R. 1997 . “ Trying time for tellers ” . In Maclean's Vol. 110 , 35
  • Leyshon , A. 1995 . “ Geographies of money and finance. Part 1 ” . In Progress in Human Geography Vol. 19 , 531 – 543 .
  • Leyshon , A. and Pollard , J. 2000 . “ Geographies of industrial convergence: the case of retail banking ” . In Transactions of the Institute of British Geographers Vol. 20 , 312 – 341 .
  • Leyshon , A. and Thrift , N. 1994 . “ Access to financial services and financial infrastructure withdrawal ” . In Area Vol. 26 , 268 – 275 .
  • Li , W. , Dymski , G. , Zhou , Y. , Chee , M. and Aldana , C. 2002 . “ Chinese American banking community development in Los Angeles County ” . In Annals of the Association of American Geographers Vol. 92 , 777 – 896 .
  • Llewellyn , D. January 1995 . “ The future business of banking ” . In Banking World January , 16 – 19 .
  • Mackay , R. R. 2003 . “ Twenty-five years of regional development ” . In Regional Studies Vol. 37 , 303 – 317 .
  • Mackay , R. R. and Molyneux , P. 1996 . “ Bank credit and the regions: a comparison within Europe ” . In Regional Studies Vol. 30 , 757 – 763 .
  • Mackay , R. R. and Thomson , L. 1979 . “ Important trends in regional policy and regional employment – a modified interpretation ” . In Scottish Journal of Political Economy Vol. 26 , 233 – 260 .
  • Marshall , J. N. , Gentle , C. J. S. , Raybould , S. and Coombes , M. 1992 . “ Regulatory change, corporate restructuring and the spatial development of the British financial sector ” . In Regional Studies Vol. 26 , 453 – 467 .
  • Martin , R. 1998 . “ The New Economic Geography of money ” . In Money and the Space Economy , Edited by: Martin , R. 3 – 27 . London : Wiley .
  • Martin , R. and Minns , R. 1995 . “ Undermining the financial basis of regions: the spatial structure and implications of the UK pension fund system ” . In Regional Studies Vol. 29 , 125 – 144 .
  • Mayer , C. 1988 . “ New issues in corporate finance ” . In European Economic Review Vol. 32 , 1167 – 1189 .
  • Minutes of Evidence to the Parliamentary Committee of Welsh Affairs . 2001 . (available at: http://www.publications.parliament.uk/pa/cm200001/cmselect/cmwelaf/359/1032008.htm )
  • Molyneux , P. 1989 . “ ‘1992’ and Its impact on regional and local banking markets ” . In Regional Studies Vol. 23 , 523 – 533 .
  • Moore , B. and Rhodes , J. 1973 . “ Evaluating the effects of British Regional Policy ” . In Economic Journal Vol. 83 , 87 – 110 .
  • Morrison , P. S. and O'Brien , R. 2001 . “ Bank branch closures in New Zealand: the application of a spatial interaction model ” . In Applied Geography Vol. 21 , 301 – 330 .
  • Munnell , A. H. , Browne , L. E. , McEneaney , J. and Tootell , G. M. B. 1992 . Mortgage Lending in Boston: Interpreting HMDA Data Boston, MA Working Paper 92-7, October. Federal Reserve Bank of Boston
  • Munnell , A. H. , Tootell , G. M. B. , Browne , L. E. and McEneaney , J. 1996 . “ Mortgage lending in Boston: interpreting HMDA data ” . In American Economic Review Vol. 86 , 25 – 53 .
  • Nürk , B. 12 April 1995 . “ Privatization of savings banks and central savings banks – no convincing arguments to the contrary ” . In Deutsche Bank Bulletin 12 April , 18 – 22 .
  • O'Brien , R. 1992 . Global Financial Integration: The End of Geography , London : Pinter .
  • Pauly , L. 1987 . Foreign Banks in Australia: The Politics of Deregulation , Mosman : Australian Professional Publ .
  • Peck , J. and Tickell , A. 2002 . “ Neoliberalizing space ” . In Antipode 380 – 404 .
  • Petersen , M. A. 2002 . Information: Hard and Soft , Chicago, IL : Northwestern University . Discussion Paper in Finance
  • Petersen , M. A. and Rajan , R. G. 1994 . “ The benefits of lending relationships: evidence from small business data ” . In Journal of Finance Vol. 49 , 3 – 37 .
  • Petersen , M. A. and Rajan , R. G. 1995 . “ The effect of credit market competition on lending relationships ” . In Quarterly Journal of Economics Vol. 110 , 406 – 443 .
  • Petersen , M. A. and Rajan , R. G. 2000 . Does Distance Still Matter? , Cambridge, MA : National Bureau of Economic Research . Working Paper No. 7685
  • Phelps , E. S. 1972 . “ The statistical theory of racism and sexism ” . In American Economic Review Vol. 62 , 659 – 661 .
  • Pollard , J. 1996 . “ Banking at the margins: a geography of financial exclusion in Los Angeles ” . In Environment and Planning A Vol. 28 , 1209 – 1232 .
  • Rae , D. 1989 . Equalities , Cambridge, MA : Harvard University Press .
  • Rothschild , M. and Stiglitz , J. 1976 . “ Equilibrium in competitive insurance markets: an essay on the economics of imperfect information ” . In Quarterly Journal of Economics Vol. 90 , 629 – 649 .
  • Schumpeter , J. A. 1939 . Business Cycles , Vol. 1 , New York, NY : McGraw-Hill .
  • Sinclair , S. 2001 . Financial Exclusion: An Introductory Survey , Edinburgh : Heriot Watt University . Centre for Research into Socially Inclusive Services (CRISIS)
  • Squires , G. D. 1992 . “ Community reinvestment: an emerging social movement ” . In From Redlining to Reinvestment: Community Response to Disinvestment , Edited by: Squires , G. D. 1 – 37 . Philadelphia, PA : Temple University Press .
  • Stein , J. 2002 . “ Information production and capital allocation: decentralised versus hierarchical firms ” . In Journal of Finance Vol. 57 , 1891 – 1922 .
  • Stiglitz , J. E. and Weiss , A. 1981 . “ Credit rationing in markets with imperfect information ” . In American Economic Review Vol. 71 , 393 – 410 .
  • Taylor , C. 1979 . “ What is wrong with negative liberty? ” . In The Idea of Freedom , Edited by: Ryan , A. 175 – 193 . London : Cambridge University Press .
  • The Guardian . 3 November 2003 . Guardian Vol. 26 , 3 November , [advertisement]
  • Thurrow , L. S. 1975 . Generating Inequality , New York, NY : Basic .
  • Tickell , A. 1999 . “ Unstable futures: controlling and creating risks in international money ” . In Socialist Register , Edited by: Panitch , L. and Leys , C. 248 – 277 . Rendleshem : Merlin .
  • Tickell , A. and Clark , G. L. 2001 . New Architectures or Liberal Logics? Interpreting Global Financial Reform , Bristol : Typescript, School of Geographical Science, University of Bristol .
  • Tootell , G. M. B. September/October 1993 . “ Defaults, denials, and discrimination ” . In New England Economic Review September/October , 45 – 51 .
  • Tyrrell , T. June 1996 . “ An holistic approach to bank marketing ” . In Bank Marketing International June , 12 – 13 .
  • Williams , C. 1997 . “ Banking on Darwin: the continuing evolution of the customer/bank relationship ” . In New Zealand Banker Vol. 10 , 15 – 17 .
  • Wilmarth , A. E. Jr . 1992 . “ Too big to fail, too few to serve? The potential risks of nationwide banks ” . In Iowa Law Review Vol. 77 , 957 – 1081 .

Reprints and Corporate Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

To request a reprint or corporate permissions for this article, please click on the relevant link below:

Academic Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

Obtain permissions instantly via Rightslink by clicking on the button below:

If you are unable to obtain permissions via Rightslink, please complete and submit this Permissions form. For more information, please visit our Permissions help page.