Disparidades regionales de la bancarización en Chile. Período 2001-2012
Abstract
Although Chile is the Latin American country where access to financial services is greatest, it is spatially disparate. This study aims to measure regional banking service accessibility over the period 2001-2012 and evaluate territorial differences. Access to banking services is considered a multivariate phenomenon with different dimensions and is evaluated using variance analysis and Principal Component Analysis. Results reveal considerable regional gaps, with access mainly concentrated in the Santiago Metropolitan region. Nevertheless, the extreme regions fare better and a degree of homogeneity is identified in some regions. This information could prove useful for the design of differentiated public policies.
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