Call for a Spatial Classification of Banking Systems through the Lens of SME Finance -- Decentralized versus Centralized Banking in Germany as an Example

Through-the-lens metering
DOI: 10.2139/ssrn.2446822 Publication Date: 2014-06-11T15:33:50Z
ABSTRACT
We are calling for comparisons of banking and systems from a spatial perspective. Therefore, this paper develops classification identifying decentralized centralized according to two characteristics: geographical market orientation (regional vs. supraregional) – determine whether banks facilitate regional savings-investment cycles place decision-making (proximity distance) identify the flow soft information is supported in SME lending. The degree banks' centralization also approximated by concentration bank employees shows remarkable explanatory power Germany, as de-centralized increase lending at expense banks.
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