Bezpieczny Bank

Alessandrini, P., Fratianni, M., Papi, L., Zazzaro, A. (2016): Banks, Regions and Development after the crisis and under the new regulatory system, Money & Finance Research, Università Politecnica delle Marche, Ancona, online available on: http://docs.dises.univpm.it/web/quaderni/pdfmofir/Mofir124.pdf#page=1&zoom=auto,-13,842.
Google Scholar

Alessandrini, P., Zazzaro, A.A. (1999): Possibilist. Approach to Local Financial System and Regional Development: The Italian Experience, in: Martin, R. (eds.) 1999, Money and the Space Economy.
Google Scholar

Alessandrini, P., Presbitero, A.F., Zazzaro, A. (2009): Geographical Organization of Banking Systems and Innovation Diffusion. In: P. Alessandrini, M. Fratianni and A. Zazzaro (eds.): The changing geography of banking and finance. New York, NY, p. 75–108.
Google Scholar

Allen, F. and D. Gale (2001): Comparing ϐinancial systems. Cambridge, Mass.: MIT Press.
Google Scholar

Audretsch, D.B., Lehmann, E.E. (2016): The Seven Secrets of Germany. Economic Resilience in an Era of Global Turbulence. New York.
Google Scholar

Bathelt, H., Henn, S. (2014): The Geographies of Knowledge Transfers over Distance: Toward a Typology. Environment and Planning A 46(6): p. 1403–1424.
Google Scholar

Batiz-Lazo, B., & Maixe-Altes, J.C. (2006): Organisational change and the computerisation of British and Spanish savings banks, 1965–1985.
Google Scholar

Beck, U. (2012): Das deutsche Europa. Neue Machtlandschaften im Zeichen der Krise, 1, Suhrkamp.
Google Scholar

Beck, U., Bonss, W. (Eds.) (2001): Die Modernisierung der Moderne, (Vol. 1508), Suhrkamp., Frankfurt a. Main.
Google Scholar

Berger, A.N., Miller, N., Petersen, M., Rajan, R., Stein, J. (2005): Does Function Follow Organizational Form? Evidence from the Lending Practices of Large and Small Banks. In: Journal of Financial Economics 76 (2): p. 237–269.
Google Scholar

Boot, A.W.A. (2000): Relationship Banking: What Do We know? In: Journal of Financial Intermediation 9 (1): p. 7–25.
Google Scholar

Boschma, R. (2005): Proximity and Innovation: A Critical Assessment. In: Regional Studies 39 (1): p. 61–74.
Google Scholar

Brämer, P., Gischer, H., Pfingsten, A., & Richter, T. (2010): Der öffentliche Auftrag der deutschen Sparkassen aus der Perspektive des Stakeholder-Managements. Zeitschrift für öffentliche und gemeinwirt-schaftliche Unternehmen: ZögU/Journal for Public and Nonprofit Services, p. 311–332.
Google Scholar

Bülbül, D., Schmidt, R.H., Schüwer, U. (2013): Savings Banks and Cooperative Banks in Europe (SAFE policy papers 5):
Google Scholar

Cabral, I., Dierick, F., Vesala, J.M. (2002): Banking integration in the euro area, (No. 06): European Central Bank.
Google Scholar

Carbó-Valverde, S., Marqués-Ibáñez, D. and Rodríguez-Fernández, F. (2011): “Securitization, Bank Lending and Credit Quality. The Case of Spain” ECB Working Paper.
Google Scholar

Catarineu, E., Pérez, D. (2008): La titulización de activos por parte de las entidades de crédito: el modelo español en el contexto internacionaly su tratamiento desde el punto de vista de la regulación prudencial. Estabilidad financiera, 14, 88–121.
Google Scholar

CECA annual report 2015.
Google Scholar

Chick, V., Dow, S. (1988): A post-Keynesian perspective on the relation between banking and regional development, Thames Polytechnic.
Google Scholar

Christians, U., 2010, Zur Ertragslage der Sparkassen und Genossenschaftsbanken in den strukturarmen Regionen Ostdeutschlands, in: Christians, U., Kay, H. (Eds.), Unternehmensϐinanzierung und Region. Finanzierungsprobleme mittelständischer Unternehmen und Bankpolitik in peripheren Wirtschaftsräumen.: Kovac (Schriftenreihe Finanzmanagement, 70), Hamburg: 231–253.
Google Scholar

Commission of the European Communities, 2009, European Financial Integration Report 2008, Commission Staff Working Document, Brussels.
Google Scholar

Conrad, A. (2010): Banking in schrumpfenden Regionen. Auswirkungen von Alterung und Abwanderung auf Regionalbanken unter besonderer Berücksichtigung der Sparkassen, Univ., Diss.-Rostock, 2009, Kovac (Schriftenreihe volkswirtschaftliche Forschungsergebnisse, 159), Hamburg.
Google Scholar

Degryse, H., Kim, M., Ongena, S. (2009): Microeconometrics of banking. Methods, applications, and results. Oxford, New York.
Google Scholar

Deutsche Bundesbank (1990): Monatsberichte der Deutschen Bundesbank Januar 1990.
Google Scholar

https://www.bundesbank.de/Redaktion/DE/Downloads/Veroeffentlichungen/Monatsberichte/1990/1990_01_monatsbericht.pdf__blob=publicationFile
Google Scholar

Deutsche Bundesbank (2017): Bankenstatistik Juni 2017. Statistisches Beiheft 1 zum Monatsbericht. https://www.bundesbank.de/Redaktion/DE/Downloads/Veroeffentlichungen/Statistische_Beihefte_1/2017/2017_06_bankenstatistik.pdf__blob=publicationFile
Google Scholar

Dixon, A.D. (2014): The new Geography of Capitalism. Firms, Finance, and Society. Oxford.
Google Scholar

Dörry, S. (2015): Strategic nodes in investment fund global production networks: The example of the ϐinancial centre Luxembourg. In: Journal of Economic Geography 15 (4): p. 797–814.
Google Scholar

Dow, S.C., Rodríguez-Fuentes, C.J. (1997): Regional Finance: A Survey. In: Regional Studies 31 (9): p. 903–920.
Google Scholar

Dymski, G. (2013): The logic and impossibility of austerity, Social Research: An International Quarterly, 80(3), 665–696
Google Scholar

Engerer, H., Schrooten, M. (2004): “Untersuchung der Grundlagen und Entwicklungsperspektiven des Bankensektors in Deutschland (Dreisäulensystem)” im Auftrag des Bundesministeriums der Finanzen. Deutsches Institut für Wirtschaftsforschung. Berlin.
Google Scholar

Fischer, K.-H., Pfeil C. (2004): Regulation and Competition in German Banking. In: J.P. Krahnen und R.H. Schmidt (eds.): The German financial system. Oxford, p. 291–349.
Google Scholar

Flögel, F. (2017): Distance and Modern Banks’ Lending to SMEs: Ethnographic Insights from a Comparison of Regional and Large Banks in Germany. In: Journal of Economic Geography July 2017.
Google Scholar

Flögel, F., Gärtner, S. (2016): Niedrigzinsphase, Standardisierung, Regulierung: regionale Banken was nun? Gelsenkirchen: Inst. Arbeit und Technik. IAT discussion paper, no. 16/02.
Google Scholar

Friedmann, J. (1986): The World City Hypothesis. In: Development and Change 17 (1): p. 69–83.
Google Scholar

Gall, L. (1995): Die Deutsche Bank, 1870–1995 (No. 202): CH Beck.
Google Scholar

Gärtner, S. (2011): Regionen und Banken: Gedanken im Lichte der Krise. In: Informationen zur Raumentwicklung, H. 2, p. 153–167.
Google Scholar

Gärtner, S. (2013): World capitals of capital, cities and varieties of finance systems: internationality versus regionally oriented banking. In: Fujita, Kuniko (ed.): Cities and crisis: new critical urban theory. London: Sage, p. 147–187.
Google Scholar

Gärtner, S. (2008): Ausgewogene Strukturpolitik: Sparkassen aus regionalökonomischer Perspektive, (Vol. 5), LIT Verlag, Münster.
Google Scholar

Gärtner, S. (2009): Balanced Structural Policy: German Savings Banks from a Regional Economic Perspective, Perspectives (58), June 2008.
Google Scholar

Gärtner, S. (2013): 5 World Capitals of Capital, Cities and Varieties of Finance Systems: lnternationally versus Regionally Oriented Banking, in: Kuniko Fujita (Eds.), 2013, Cities and Crisis. New CriticaI Urban Theory, SAGE STUDIES IN INTERNATIONAL SOCIOLOGY: 62.
Google Scholar

Gärtner, S., Flögel, F. (2017): Raum und Banken. Zur Funktionsweise regionaler Banken. Baden Bande.
Google Scholar

Gärtner, S., Flögel, F. (2014): Call for a Spatial Classification of Banking Systems through the Lens of SME Finance-Decentralized versus Centralized Banking in Germany as an Example (No. 97512), ZBW-German National Library of Economics, available at SSRN 2446822.
Google Scholar

Gowan, P. (2009): Crisis in the Heartland, New left review, 55(2): p. 5–29.
Google Scholar

Greenham, T., Prieg, L. (2015): Reforming RBS, Local Banking for the public good, New Economic Foundation, London.
Google Scholar

Grote, M.H. (2004): Die Entwicklung des Finanzplatzes Frankfurt. Eine evolutionsökonomische Unter-suchung. Berlin.
Google Scholar

Hakenes, H., Schnabel, I. (2006): The threat of capital drain: A rationale for public banks? MPI Collective Goods Preprint, (2006/11).
Google Scholar

Hall, P.A., Soskice, D. (2001): Varieties of capitalism and institutional change: A response to three critics, Comparative European Politics, 1(2): p. 241–250.
Google Scholar

Hall, S., Appleyard, L. (2009): City of London, City of Learning? Placing business education within the ge-ographies of finance. Journal of Economic Geography, 9(5): p. 597–617.
Google Scholar

Handke, M. (2011): Die Hausbankbeziehung. Institutionalisierte Finanzlösungen für kleine und mittlere Unternehmen in räumlicher Perspektive. Berlin
Google Scholar

Hardie, I., Howarth, D. (2013a): Framing Market-Based Banking and the Financial Crisis. In: I.
Google Scholar

Hardie and D. Howarth (eds.): Market-Based Banking and the International Financial Crisis. Oxford, p. 22–55.
Google Scholar

Hardie, I., Howarth, D., Maxfield, S., Verdun, A. (2013): Introduction: Towards a Political Economy of Banking. In: I. Hardie and D. Howarth (eds.): Market-Based Banking and the International Financial Crisis. Oxford, p. 1–21.
Google Scholar

Historische Gesellschaft der Deutschen Bank e.V. (2009): Wünsche werden Wirklichkeit. 50 Jahre Privatkundengeschäft. München, Zürich.
Google Scholar

Illueca, M., Pastor, José M., Tortosa-Ausina, E. (2005): The Effect of Geographic Expansion on the Produc-tivity of Spanish Savings Banks. Fundación de Las Cajas de Ahorros. Documento De Trabajo, No. 213/2005.
Google Scholar

Klagge, B. (1995): Strukturwandel im Bankenwesen und regionalwirtschaftliche Implikationen. Konzepti-onelle Ansätze und empirische Befunde. In: Erdkunde 49 (3): p. 285–304.
Google Scholar

Klagge, B., Martin, R. (2005): Decentralized versus centralized financial systems: Is there a case for local capital markets? In: Journal of Economics Geography 14 (3): p. 387–421.
Google Scholar

König, W., Schamp, E.W., Beck, R., Handke, M., Prifling, J., Späthe, S.H. (2007): Finanzcluster
Google Scholar

Frankfurt. Eine Clusteranalyse am Finanzzentrum Frankfurt/Rhein-Main. Frankfurt: Books on Demand.
Google Scholar

Leßmann, C. (2005): Regionale Disparitäten in Deutschland und ausgesuchten OECD-Staaten im Vergleich. In: ifo Dresden berichtet 12 (03), p. 25–33.
Google Scholar

Levine, R. (2005): Finance and Growth: Theory and Evidence. In: P. Aghion and S.N. Durlauf (Hg.): Handbook of economic growth. Amsterdam, p. 865–934.
Google Scholar

Levine, R. (1998): The legal environment, banks, and long-run economic growth, Journal of money, credit and banking, 30(3): p. 596–614.
Google Scholar

Lo, V. (2003): Wissensbasierte Netzwerke im Finanzsektor. Das Beispiel des Mergers & Acquisitions-Geschäfts. Wiesbaden: Dt. Univ.-Verl. (Gabler Edition Wissenschaft).
Google Scholar

Manna, M. (2004): Developing statistical indicators of the integration of the Euro area banking system (Working Paper Series No-300). Frankfurt am Main: European Central Bank (ECB).
Google Scholar

Myrdal, G. (1959): Ökonomische Theorie und unterentwickelte Regionen. Berlin.
Google Scholar

OECD, 2013, TL2 regional range in household income, as a % of income in the country‘s median region, 2010, in OECD Regions at a Glance 2013, OECD Publishing, Paris. DOI: http://dx.doi.org/10.1787/reg_glance-2013-graph100-en
Google Scholar

Otero-Iglesias, M. (2013): From Harbinger to Role Model: The Influence of the Euro in Regional Monetary Cooperation, in: Global Power Europe-Vol. 1, Springer, Berlin Heidelberg: 163–179.
Google Scholar

Papi, L., Sarno, E., Zazzaro, A. (2017): The geographical network of bank organizations: issuesn and evidence for Italy. In: R. Martin and J. Pollard (eds.) Handbook on the Geographies of Money and Finance, p. 156–197. Cheltenham.
Google Scholar

Petersen, M.A., Rajan, R.G. (1995): The Effects of Credit Market Competition on Lending Relationships. In: The Quarterly Journal of Economics 110 (2): p. 407–443.
Google Scholar

Pollard, J.S. (2003): Small ϐirm ϐinance and economic geography. In: Journal of Economic Geography 3 (4): p. 429–452.
Google Scholar

Pollard, J., Samers, M. (2007): Islamic banking and Finance: postcolonial political economy and the decentring of economic geography, in: Transactions of the Institute of British Geographersntroductory Geography 32 (3): p. 313–330.
Google Scholar

Romero, A. (1997): El cálculo del futuro: Más allá de la economía y la política, Revista de Ciencias Sociales, 3(1).
Google Scholar

Sassen, S. (2001): The global city. New York, London, Tokyo. New Jersey.
Google Scholar

Schamp, E.W. (2009): Das Finanzzentrum — ein Cluster. Ein multiskalarer Ansatz und seine Evidenz am Beispiel von Frankfurt/ RheinMain. In: Zeitschrift für Wirtschaftsgeographie 53 (1–2): p. 89–105.
Google Scholar

Shleifer, A., Vishny, R.W., (1997): A survey of corporate governance, The journal of finance, 52(2): p. 737–783.
Google Scholar

Stein, J. (2002): Information Production and Capital Allocation: Decentralized versus Hierarchical Firms. In: The Journal of Finance 57 (5): p. 1891–1921.
Google Scholar

Taylor, P., Beaverstock, J., Cook, G., Pandit, N., Pain K., Greenwood, H. (2003): Financial Services Clustering and its significance for London. Extended Report. Loughborough University; Manchester Business School.
Google Scholar

Therborn, G. (2011): End of a paradigm: the current crisis and the idea of stateless cities. In: Environment and Planning A 43 (2): p. 272–285.
Google Scholar

Torre, A. (2008): On the Role Played by Temporary Geographical Proximity in Knowledge Transmission. In: Regional Studies 42 (6): p. 869–889.
Google Scholar

Torre, A., Rallet, A. (2005): Proximity and Localization. In: Regional Studies 39 (1): p. 47–59.
Google Scholar

Udell, G.F. (2008): What’s in a relationship? The case of commercial lending. In: Business Horizons 51 (2): p. 93–103.
Google Scholar

Uzzi, B., Lancaster, R. (2003): Relational embeddedness and learning: The case of bank loan managers and their clients. In: Management Science 49 (4): p. 373–399.
Google Scholar

Verdier, D., 2002, Moving money: Banking and Finance in the industrialized world, Cambridge University Press.
Google Scholar

Völter, A. (2000): Die Sparkassen und das Retailbanking. Stuttgart.
Google Scholar

Wójcik, D., MacDonald-Korth, D. (2015): The British and the German financial sectors in the wake of the crisis: size, structure and spatial concentration. In: Journal of Economic Geography 15 (5): p. 1033–1054.WSBI (2017), trustee savings banks in the UK 1810–1995. In: https://www.wsbi-esbg.org/About-us/History/Pages/HistoryUK.aspx
Google Scholar

Interviews
Google Scholar

We have conducted 32 interviews. Due to data protection, we just listed in the following the interviews with researchers and representatives of the associations:
Google Scholar

• Camino García Domínguez, Confederación Española de Cajas de Ahorros (CECA), Madrid, Institutional Relations Madrid (08/05/2015)
Google Scholar

• de la Herrán, Joaquín; The Spanish Banking Association (AEB), Madrid (24/04/2015)
Google Scholar

• Manuel, Illueca, University of Valencia (22/04/2015)
Google Scholar

• Martínez, Ana, Instituto de Crédito Oficial (ICO), Madrid (24/04/2015)
Google Scholar

• Maudos, Joaquín, University of Valencia (21/04/2015)
Google Scholar

• Ródriguez Fuentes, Carlos, University of La Laguna, Tenerife (29/04/2015-06.05: research stay; several talks)
Google Scholar

• Tulla-Pujol, A., University of Barcelona (17/06/2016
Google Scholar