Los servicios financieros en la provincia de Córdoba: Un análisis de sus determinantes desde una dimensión espacial

Buenos Aires

Jornada; III Jornadas Argentinas de Econometría; 2016

Universidad de Buenos Aires

This paper describes the two main channels of banking services in the state of Cordoba during 2000-2013. Whereas the number of branches per 100,000 inhabitants and per 1,000 km2 reveals the deterioration in the availability of services, the indicators for ATMs exhibit an improvement. However, the expansion of ATMs was in localities with bank branches already installed. To settle a branch in towns of less than 10,000 inhabitants is not a profitable strategy for private banks, and these towns are serviced by public banks. To open a branch in areas with a high supply of banking services is a strategy of banks of domestic and foreign capital. Regarding the determinants of availability of banking services, the population, the employed and retirees/pensioners already banked as potential users of other banking services are likely to provoke the settlement of a greater banking infrastructure. The increase in the population affected by current income deprivation would be associated with lower demand for banking services and this situation would generate fewer incentives to open a branch and/or ATMs. The elementary education seems to define a higher demand for branches.