ATM networks and cash usage
ATM networks and cash usage
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ATM 网络和现金使用
DOI：
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发表时间：
2009
期刊：
影响因子：
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通讯作者：
M. Virén
中科院分区：
文献类型：
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作者：
Heli Snellman;M. Virén
本文探讨银行业的市场结构如何影响支付手段的选择。特别是，从这个角度分析了对现金的需求。分析是基于一个简单的空间交易模型，其中银行的优化问题得到解决。解决方案非常清楚地表明，垄断银行有动机将自动取款机的数量限制在最低限度。更一般地说，自动取款机的数量取决于银行业的竞争力。理论分析的预测进行了测试，使用面板数据从20个经济合作与发展组织（OECD）的国家在1988年至2003年期间。实证分析表明，ATM网络的数量和ATM的数量（与人口的关系）之间存在着强有力的关系。此外，可以表明，对现金的需求取决于ATM的数量，ATM网络和其他支付手段的普及程度。因此，假设市场结构和技术环境得到适当控制，现金的使用可以在交易需求框架中得到很好的解释。
This article deals with the issue of how the market structure in banking affects the choice of the means of payment. In particular, the demand for cash is analysed from this point of view. The analysis is based on a simple spatial transactions model in which banks’ optimization problem is solved. The solution quite clearly shows that monopoly banks have an incentive to restrict the number of ATMs to a minimum. More generally, the number of ATMs depends on competitiveness in the banking sector. The predictions of the theoretical analysis are tested using a panel data from 20 Organization for Economic Co-operation and Development (OECD) countries for the period 1988 to 2003. Empirical analysis shows that there is a strong and robust relationship between the number of ATM networks and the number of ATMs (in relation to populations). Moreover, it can be shown that the demand for cash depends on the number of ATMs, ATM networks and the popularity of other means of payment. Thus, the use of cash can be pretty well explained in the transaction demand framework assuming that the market structure and technical environment is properly controlled.