Reorganização espacial de redes bancárias no Brasil: processos adaptativos e inovadores
| Autor: | Maria Helena Lenzi, Leila Christina Dias |
|---|---|
| Jazyk: | angličtina |
| Předmět: |
Cultural Studies
sistema bancário cartografia das redes Sociology and Political Science território reorganização espacial territory rede bancária space reorganization Operations management lcsh:H1-99 cartography of chains lcsh:Social sciences (General) banking chains banking system Humanities Private banking |
| Zdroj: | Caderno CRH, Vol 22, Iss 55, Pp 97-117 Caderno CRH v.22 n.55 2009 Caderno CRH Universidade Federal da Bahia (UFBA) instacron:UFBA |
| ISSN: | 1983-8239 |
| Popis: | O trabalho analisa a reorganizacao espacial de tres redes bancarias privadas – Bradesco, Bamerindus (atual HSBC) e Unibanco – que surgem na primeira metade do seculo XX em Sao Paulo, Parana e Minas Gerais. Como evoluiram essas redes bancarias? Como interagiram com outros processos que moldam sua extensao territorial e social? O artigo examina os condicionantes externos e internos que mudaram a trajetoria do sistema bancario no Brasil e apresenta um conjunto de mapas que mostram a localizacao das redes de agencias desses bancos e suas mudancas locacionais (1986-1996 e 1996-2005). O texto conclui que a reorganizacao resultou da combinacao de processos adaptativos e inovativos que demandaram uma nova geografia ajustada as condicoes macro e microeconomicas emergentes. Nesse processo os bancos inventaram ou reinventaram o correspondente bancario, objeto hibrido que combina servico, tecnologia de comunicacao e produto, viabilizando uma expansao territorial e social sem precedentes no territorio brasileiro. PALAVRAS-CHAVE: rede bancaria, reorganizacao espacial, sistema bancario, cartografia das redes, territorio. SPACE REORGANIZATION OF BANKING CHAINS IN BRAZIL: adaptative and innovative processes Leila Christina Dias Maria Helena Lenzi The work analyzes the space reorganization of three private banking chains – Bradesco, Bamerindus (currently HSBC) and Unibanco – that appear in the first half of the XX century in Sao Paulo, Parana and Minas Gerais. How did those banking chains evolve? How did they interact with other processes that mold their territorial and social extension? This paper examines the external and internal determinants that changed the trajectory of the Brazilian banking system and presents a series of maps that show the location of the branches of those banking chains and their locational changes (1986-1996 and 1996-2005). The conclusion is that this reorganization resulted of the combination of adaptative and inovative processes that demanded a new geography adjusted to the emerging macro and microeconomic conditions. In this process the banks invented or reinvented the banking correspondent, hybrid object that combines service, communication technology and product, making possible a territorial and social expansion unprecedented in the Brazilian territory. KEYWORDS: banking chains, space reorganization, banking system, cartography of chains, territory. REORGANISATION SPACIALE DES RESEAUX BANCAIRES AU BRESIL: les processus adaptatifs et innovateurs Leila Christina Dias Maria Helena Lenzi Ce travail analyse la reorganisation spatiale de trois reseaux bancaires prives – Bradesco, Bamerindus (actuel HSBC) et Unibanco - qui surgissent dans la premiere moitie du XXe siecle a Sao Paulo, au Parana et a Minas Gerais. Comment ces reseaux ont-ils evolue? Comment ont-ils interagi avec les autres processus qui definissent leur extension territoriale et sociale? On y analyse egalement les conditionnements internes et externes qui ont modifie la trajectoire du systeme bancaire au Bresil et on y presente un ensemble de cartes montrant la localisation des reseaux d’agences de ces banques ainsi que leurs changements de lieu (1986-1996 et 1996-2005). On en arrive a la conclusion que la reorganisation est le resultat d’une combinaison de processus d’adaptation et d’innovation issus d’une nouvelle geographie ajustee aux conditions macro et micro economiques emergentes. Dans ce processus, les banques ont invente ou reinvente le correspondant bancaire, objet hybride qui associe le service, la technologie de communication et le produit en viabilisant une expansion territoriale et sociale sans precedent sur le territoire bresilien. MOTS-CLES: reseau bancaire, reorganisation spatiale, systeme bancaire, cartographie des reseaux, territoire. Publicacao Online do Caderno CRH: http://www.cadernocrh.ufba.br |
| Databáze: | OpenAIRE |
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