Concentração Regional do Crédito e Consolidação Bancária no Brasil: Uma Análise Pós-Real
Abstract
O objetivo deste artigo é analisar como o processo de consolidação bancária brasileiro, a partir da implementação do Plano Real, impactou a distribuição e concessão do crédito regionalmente. A partir da análise de dados estatísticos e da utilização da análise de dados em painel, avaliamos as implicações desse processo sobre o comportamento do setor bancário e seus efeitos sobre a concessão e distribuição de crédito regional. Os resultados obtidos no exercício empírico para o período 1994-2006 mostram indícios a favor da hipótese de que o processo de reestruturação bancária teve efeito negativo sobre a disponibilidade regional do crédito, sobretudo nas regiões periféricas do País. Adicionalmente, há evidências de que fatores monetários são importantes na explicação da tendência a concentração regional do crédito no Brasil.Download Info
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Article provided by ANPEC - Associação Nacional dos Centros de Pósgraduação em Economia [Brazilian Association of Graduate Programs in Economics] in its journal Economia.
Volume (Year): 11 (2010)
Issue (Month): 1 ()
Pages: 97_123
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Related research
Keywords: Oferta de Crédito; Economia Regional; Setor Bancário Brasileiro.;Find related papers by JEL classification:
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
- O18 - Economic Development, Technological Change, and Growth - - Economic Development - - - Urban, Rural, Regional, and Transportation Analysis; Housing; Infrastructure
- R11 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - Regional Economic Activity: Growth, Development, Environmental Issues, and Changes
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