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11.
Steven M. Graves 《The Professional geographer》2003,55(3):303-317
Since the period of bank deregulation in the 1980s, deferred deposit loan operations, better known as payday lenders, have become commonplace in the landscapes of many American cities. At the same time, traditional banking facilities have become less common, especially in the inner city. Growing disparities in the type of and accessibility to credit in the inner city has generated calls for greater regulation to curb practices by payday lenders that critics claim disproportionately affect poor and minority consumers. Payday lenders argue that they serve communities neglected by traditional banks. This article analyzes the site‐location strategies of banks and payday lenders in metropolitan Louisiana, and in Cook County, Illinois, and finds that disenfranchised neighborhoods are simultaneously targeted by payday lenders and neglected by traditional banks. The implications these findings have for public policy and for ongoing discourses on the urban condition, race, and class are briefly discussed. 相似文献
12.
Andrew Jones 《Geoforum》2002,33(3):335-350
The `global city hypothesis' proposed by Saskia Sassen - and subsequently developed by Manuel Castells and others in the theory of a globalized urban network - has in recent years formed the basis for the argument that power and control in transnational firms (TNCs) is primarily situated in global head-offices. Such offices are located in key urban centres such as London, New York or Tokyo where global managerial power is ultimately wielded and where senior managers make strategic decisions about transnational business activity. This paper takes issue with this theoretical legacy, arguing that the idea of strong centralised managerial power and control in contemporary TNCs is far more complex than this literature suggests. It explores how managerial control in some of the supposedly most globalized of business service industries - investment banking and management consultancy - cannot be understood as being centralised in global headquarter offices, and nor does it purely reside with a few senior managers at the top of the transnational organisation. Rather, it argues that managerial control in TNCs is diffused throughout a transnational network of management-level employees, and that strategic power in transnational firms resides with a larger and more dispersed group of actors than has been previously suggested. These arguments are developed through analysis of qualitative research into the managerial strategies and practices of senior business practitioners in the transnational investment banking and management consultancy industries. In presenting qualitative data from interviews with senior management in transnational corporate head offices, the paper thus examines the decision-making process of global management practice and unpacks the complex context in which transnational corporate strategy develops in such firms. 相似文献
13.
The causes and consequences of financial exclusion have become a policy concern in Britain in recent years. This paper analyses policy discourses around financial exclusion and considers the (social and economic) geographical issues surrounding one particular policy response – universal banking services. It examines the policy background which led to the introduction of these services, and the institutional role of the Post Office, before discussing their potential social and spatial consequences. 相似文献
14.
U.S. commercial bank failures approached historically high levels in the 1980s. The collapse of such institutions can have severe impacts on local economies, disrupting the supply of available investment credit. This paper situates bank failures within the broader transformation of global capitalism in the late 20th century. Next, it reviews the causes of bank insolvency, including mismanagement, deregulation, the glutted commercial real estate market, and depressed agricultural and petroleum-dependent local economies. It then illustrates multiple aspects of the spatial distribution of bank failures. A pooled time-series regression analysis, using primary causal variables as well as location quotients of state output in four industrial sectors, indicates that with the vital exception of petroleum, and to a lesser extent services, regional economic structure is not strongly related to bank failures. This finding likely reflects the structural and spatial transformation of the industry as it adapted to the highly competitive conditions of the last decade. 相似文献
15.
分析了杭州湾北岸一个潮间带小海湾－炮台湾及其前沿海域的流场、含沙量分布及水下地形的变化，指出小海湾内水流主要受湾外浅水水流控制，在独特的边界地影响下，湾内在不同时段内出现历时较短的水平环流，流场变化较快，小水深时水体含沙量较高，含沙量随水深和水流和变化而急剧变化。对湾外浅水水域水流的挟沙力了计算，并讨论了炮台湾围堤后水流挟沙力的变化，给出围堤后水下岸坡剖面变动的预测，经与实测比较，结果是令人满意的 相似文献
16.
广州市银行业的空间布局特征与模式 总被引：3，自引：1，他引：2
以广州都市区2013年全部类别银行的1 637个银行网点为基本数据,利用平均最邻近距离、核密度函数、缓冲区分析、空间模式提炼等方法探索广州市银行业的空间布局特征及其类别差异,总结其空间分异模式。结果表明：① 广州市银行业空间不均衡性布局显著,并呈现中心集聚特征;② 不同类型银行的分布特征差异显著。国有商业银行的服务便利性和数量等级高,网点密度大,构成了广州市银行业的主体;③ 广州市银行业布局总体呈现由中心向外围逐渐递减的“圈层+扇形”空间模式。其中,核心商圈是银行业高度集聚区,中心城区密度递减最为显著,近郊区密度最低;④ 不同类型银行的空间密度模式差异显著。国有商业银行、全国性股份制银行和城市商业银行分别呈现由中心到外围非均匀递减的倒“S”型、“L”型和“阶梯型”曲线模式。外资港资银行呈现为核心商圈集聚模式。农村商业银行为均质的“一”字型直线模式。 相似文献
17.
基于WebGIS的银行客户服务系统的实现 总被引：2，自引：0，他引：2
构建基于WebGIS的银行客户服务系统是银行客服部门提供地理位置相关服务的较好模式和应用趋势。本文讨论了一种基于WebGIS技术的银行客户服务系统的体系结构和功能设计,在中国银行华北客户服务中心实现了系统实例。系统开发采用.NET开发环境,WebGIS软件平台选用SuperMap IS.NET;采用SuperMapSDX+空间数据库引擎技术,通过SQL Server一体化管理北京市中国银行网点、公交网络和基础地理信息等空间和属性数据。系统具有地图操作、网点信息维护、全面的信息查询和统计分析功能。系统部署在客服中心的服务器上,客服坐席员通过浏览器访问系统。与传统的坐席员通过记忆和查找纸质地图解答客户提问相比,通过该系统能极大提高坐席员对用户的反应时间和服务质量。同时系统能自动将各类客户查询信息保存到数据库中,并与空间位置关联,对这些信息进行可视化的统计分析,为银行网点分布和选址提供辅助决策。 相似文献
18.
Abstract Since the period of bank deregulation in the 1980s, deferred deposit loan operations, better known as payday lenders, have become commonplace in the landscapes of many American cities. At the same time, traditional banking facilities have become less common, especially in the inner city. Growing disparities in the type of and accessibility to credit in the inner city has generated calls for greater regulation to curb practices by payday lenders that critics claim disproportionately affect poor and minority consumers. Payday lenders argue that they serve communities neglected by traditional banks. This article analyzes the site-location strategies of banks and payday lenders in metropolitan Louisiana, and in Cook County, Illinois, and finds that disenfranchised neighborhoods are simultaneously targeted by payday lenders and neglected by traditional banks. The implications these findings have for public policy and for ongoing discourses on the urban condition, race, and class are briefly discussed. 相似文献
19.
以广州天河北CBD某企业银行为例,通过收集其客户资料和短期贷款业务信息,结合深度访谈,分析该企业银行的基本情况、与客户的商务活动强度及其商务活动空间形态,并从银行业的空间行为机制等微观角度解释其成因,探讨商务产业的空间形态与微观行为机制对CBD发展演变的影响。研究表明,在宏观层面,银行客户和业务联系的分布总体上存在一定的空间递减规律,但也受地区经济发展水平、聚集经济区位以及银行自身的业务定位和市场开拓等的影响;在微观层面,银行业的商务活动在CBD内部高度集聚,其成因除了受以往分析的聚集经济作用外,还与银行业的业务模式密切相关。将银行业业务模式划分为与客户的商务活动联系模式和与辅助性生产性服务业商务活动联系模式两大类,前者的一对多业务模式和后者的客户媒介模式是促成CBD中以银行业为首的商务集聚的主要内在机制之一。具体而言,面对面业务的需求是CBD商务产业集聚的主要原因之一,多机构或多部门的协作要求,形成协作网络是产业集聚的另一重要原因,银行在CBD商务集聚中扮演着重要的角色。 相似文献
20.
银行业结构与经济增长之间的关系是经济学界较为关注的问题,尤其是中国的银行业结构与快速发展的中国经济之间的微妙关系更为国内经济学家所关注。选取中国经济较为发达的京津冀经济圈和长三角经济圈作为研究样本,把银行业结构变量引入通常的经济增长模型,采用1987—2007年的面板数据对我国京津冀经济圈和长三角经济圈的银行业结构与经济增长的关系进行了对比分析。结果表明,与长三角经济圈相比,京津冀经济圈银行业集中度的降低将对经济增长更为有利,降低京津冀经济圈银行集中度将会给该地区的经济增长带来新的动力。最后,提出优化京津冀经济圈银行业结构的建议。 相似文献