Balanced structural policy: German Savings Banks from a regional economic perspective
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| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Brussels
WSBI/ESBG
2009
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| Schriftenreihe: | Perspectives / World Savings Banks Institute
European Savings Banks Group 58 |
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| Beschreibung: | 218 S. graph. Darst. |
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Datensatz im Suchindex
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| adam_text | Titel: Balanced structural policy
Autor: Gärtner, Stefan
Jahr: 2009
BALANCED STRUCTURAL POLICY:
GERMAN SAVINGS BANKS FROM
A REGIONAL ECONOMIC PERSPECTIVE
Table of Contents
Preface to the English edition 5
Part A - Introduction 13
Part B - Regions and Banks: Theories, Policies and
Effects on the Area 21
1. Spatial Economic and Banking Theories 25
1.1. Competence-based Approaches in Regional Economics 28
1.1.1. Innovative Milieus 30
1.1.2. Production Clusters in a Regional Context 32
1.2. Trends in Spatial Economic Theory 35
1.2.1. Supply-oriented Theory: from Neoclassical to
New Growth Theory 35
1.2.2. Demand-Oriented Growth Theories 37
1.2.3. From Polarisation Theory to
the Growth Pole Concept 39
1.2.4. Endogenous Regional Development 42
1.3. Banks and Regions 44
1.3.1. The Function of Financial Intermediaries 45
1.3.2. Banking Theory 46
1.3.3. Banks and Regional Development 48
1.3.4. Banks and Social Capital 52
1.4. Spatial Economic Theories, Intervention and
the Role of Banks 54
2. Regional Structural and Cohesion Policy 61
2.1. Regional Structural Policy: Growth versus Equalisation 64
2.2. The Effects of Competence-Based Structural Policy 66
2.3. Levels and Stakeholders: A Focus on Savings Banks 68
Part C - Savings Banks: Structure, Function
and Market Position 73
3. Savings Banks and their Role on the Banking Market 75
3.1. Public Service Obligation and the Principle of Regionalism 77
3.2. The Structure of the Sparkassen-Finanzgruppe:
The Business Model 79
3.3. The Benefits of Savings Banks 81
3.4. The Role of Savings Banks on the Banking Market 82
3.4.1. The Structure of the Banking Market in Germany 82
3.4.2. Profitability and Trends 87
4. Savings Banks from a Competition, Regional Economic and
Banking Theory Perspective 91
4.1. Banking Services: Essential Public Services 92
4.2. Savings Banks in Regional Structural Policy 93
4.3. Savings Banks from a Banking Perspective 95
4.4. Conclusions from a Competition, Regional Economic
and Banking Theory Perspective 102
5. The Principle of Regionalism: The Disadvantages of Regional Ties 105
5.1. Lock-In: The Profitability of Regional Banks in Weak Regions 107
5.2. Analysis of Research to Date 108
Part D - Savings Banks and Regions: Empirics and
Regional Studies 113
6. Savings Banks Regional Environment and Returns 115
6.1. Quantitative Results 118
6.2. Interpreting the Findings 122
6.3. Do Savings Banks in Weak Regions Provide Adequate
Access to Credit? 124
6.4. Conclusion 126
7. Regions and their Saving Banks: A Comparative Analysis 127
7.1. The City of Darmstadt 131
7.1.1. The Economy, Employment and Potential 132
7.1.2. Economic Development Strategy/
Institutional Involvement 134
7.1.3. Sparkasse Darmstadt (Darmstadt Savings Bank) 135
7.1.4. Findings 139
7.2. The City of Dortmund 141
7.2.1. The Economy, Employment and Potential 142
7.2.2. Economic Development Strategy/
Institutional Involvement 144
7.2.3. Stadtsparkasse Dortmund [Dortmund Savings Bank] 145
7.2.4. Findings 149
7.3. The District of Biberach 151
7.3.1. The Economy, Employment and Potential 152
7.3.2. Economic Development Strategy/
Institutional Involvement 153
7.3.3. Kreissparkasse Biberach
[Biberach District Savings Bank] 154
7.3.4. Findings 158
7.4. Altmarkkreis Salzwedel District 160
7.4.1. The Economy, Employment and Potential 161
7.4.2. Economic Development Strategy/
Institutional Involvement 163
7.4.3. Sparkasse Altmark West
[Altmark West Savings Bank] 164
7.4.4. Findings 167
7.5. Four Savings Banks and Four Regions: Conclusions 169
Part E - The Challenges of a Balanced Structural Policy 173
8. Savings Banks as Stakeholders in a Balanced Structural Policy 175
8.1. Balanced Structural Policy 178
8.1.1. A Common Focus Across the Spatial Hierarchy 178
8.1.2. New Spatial Models 179
8.1.3. New Spaces of Perception and Action 181
8.1.4. Flexible Public Service Provision 182
8.2. Savings Banks as Stakeholders in a Balanced Structural Policy 183
9. Conclusions 189
Part F - Appendix 193
1. List of works cited 195
1.1. Bibliography 195
1.2. Internet 209
1.3. Interviews 209
1.4. Data 211
1.5. Structural Data on Four Regions and Savings Banks (Chap. 7) 212
List of figures
Figure 1 Study outline 19
Figure 2 Competence-based approaches and
spatial economic trends 26
Figure 3 Elements and functions of local milieus 31
Figure 4 The concept of the region between economic base
theory and the cluster concept 38
Figure 5 Banking systems and space 49
Figure 6 Regional structural policy aims and strategy 62
Figure 7 Spatial economic policy, implementation levels 69
Figure 8 The Structure of the Sparkassen-Finanzgruppe (2004) 80
Figure 9 Consolidation of the German Banking Market
1995-2004 83
Figure 10 Branch numbers 1995-2004 84
Figure 11 Head of population per bank branch in 2003 85
Figure 12 Information asymmetries in the banking industry 95
Figure 13 Herfindahl-Hirschman Index 2003 for selected
EU countries 96
Figure 14 Geographical overlap between savings banks
business areas and administrative regions 116
Figure 15 Savings bank returns and the regional economic
situation in all savings bank areas in Germany
(1999-2003) 118
Figure 16 Relationships on the regional banking market
effects, social capital and regional market power 122
Figure 17 Matrix positioning the four sample regions 128
Figure 18 Geographical location of the four sample regions 129
Figure 19 The City of Darmstadt 131
Figure 20 The City of Dortmund 141
Figure 21 The District of Biberach 151
Figure 22 Altmarkkreis Salzwedel District 160
Figure 23 Balanced structural policy: the growth aspect 177
Figure 24 Balanced structural policy: levels involved
in implementation 178
Figure 25 Spatial scope 182
List of Tables
Table 1 Spatial economic theories, effects and
the role of banks 54
Table 2 Savings banks from a national, regional and
overall economic perspective 98
Table 3 Correlation coefficients (Spearman) between savings
banks and regional indicators for Germany as a whole,
western Germany and eastern Germany 119
Table 4 Savings bank lending from 1999 to 2003 Germany,
western Germany and eastern Germany 124
Table 5 Correlation coefficients between lending, the regional
indicator and population density 125
Table 6 Regional and prosperity indicators for
the regions studied 130
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| language | English |
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| series2 | Perspectives / World Savings Banks Institute |
| spelling | Gärtner, Stefan 1970- Verfasser (DE-588)132414996 aut Balanced structural policy German Savings Banks from a regional economic perspective Stefan Gärtner Brussels WSBI/ESBG 2009 218 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Perspectives / World Savings Banks Institute European Savings Banks Group 58 World Savings Banks Institute Perspectives European Savings Banks Group ; 58 (DE-604)BV011933138 58 DE-601 pdf/application http://www.gbv.de/dms/zbw/607326611.pdf kostenfrei Inhaltsverzeichnis HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=017747102&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Gärtner, Stefan 1970- Balanced structural policy German Savings Banks from a regional economic perspective |
| title | Balanced structural policy German Savings Banks from a regional economic perspective |
| title_auth | Balanced structural policy German Savings Banks from a regional economic perspective |
| title_exact_search | Balanced structural policy German Savings Banks from a regional economic perspective |
| title_full | Balanced structural policy German Savings Banks from a regional economic perspective Stefan Gärtner |
| title_fullStr | Balanced structural policy German Savings Banks from a regional economic perspective Stefan Gärtner |
| title_full_unstemmed | Balanced structural policy German Savings Banks from a regional economic perspective Stefan Gärtner |
| title_short | Balanced structural policy |
| title_sort | balanced structural policy german savings banks from a regional economic perspective |
| title_sub | German Savings Banks from a regional economic perspective |
| url | http://www.gbv.de/dms/zbw/607326611.pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=017747102&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
| volume_link | (DE-604)BV011933138 |
| work_keys_str_mv | AT gartnerstefan balancedstructuralpolicygermansavingsbanksfromaregionaleconomicperspective |
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