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Determinantes Del Acceso Al Crédito De Los Hogares Colombianos

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  • ANDRÉS MURCIA PABÓN

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Abstract

En este documento se busca identifi car los determi-nantes de acceso al crédito de los hogares colombia-nos; así, se encuentra que características tales como el ingreso, la riqueza, la posición geográfi ca, el ac-ceso a la seguridad social, el nivel de educación y la edad infl uyen sobre la probabilidad de ser usuario de los servicios fi nancieros acá analizados (tarjeta de crédito y crédito hipotecario). Adicionalmente, se encontró que una porción importante de población cuenta con unas condiciones fi nancieras favorables (representados en unas altas tasas de ahorro) y no cuentan con acceso a servicios fi nancieros, lo cual sugiere que podría haber posibilidades de expandir la oferta de crédito a ciertos segmentos.

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Bibliographic Info

Article provided by BANCO DE LA REPÚBLICA - ESPE in its journal ENSAYOS SOBRE POLÍTICA ECONÓMICA.

Volume (Year): (2007)
Issue (Month): ()
Pages:

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Handle: RePEc:col:000107:004646

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Keywords: hogares; bancarización; acceso al crédito.;

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References

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  1. Ligia Melo B. & Héctor Zárate S. & Juana Tellez C., . "El Ahorro De Los Hogares En Colombia," Borradores de Economia 428, Banco de la Republica de Colombia.
  2. Carlos Medina & Jairo Núñez, 2006. "La Oferta De Servicios Del Sector Financiero Formal En Bogotá," DOCUMENTOS CEDE 003043, UNIVERSIDAD DE LOS ANDES-CEDE.
  3. Hayashi, Fumio, 1985. "The Effect of Liquidity Constraints on Consumption: A Cross-sectional Analysis," The Quarterly Journal of Economics, MIT Press, vol. 100(1), pages 183-206, February.
  4. Diagne, Aliou & Zeller, Manfred & Sharma, Manohar, 2000. "Empirical measurements of households' access to credit and credit constraints in developing countries," FCND discussion papers 90, International Food Policy Research Institute (IFPRI).
  5. Dairo Estrada & Sandra Rozo, . "Multimarket spatial competition in the Colombian deposit market," Borradores de Economia 413, Banco de la Republica de Colombia.
  6. Beck, T.H.L. & Torre, A. de la, 2007. "The basic analytics of access to financial services," Open Access publications from Tilburg University urn:nbn:nl:ui:12-3125424, Tilburg University.
  7. Ross Levine, 2004. "Finance and Growth: Theory and Evidence," NBER Working Papers 10766, National Bureau of Economic Research, Inc.
  8. Claessens, Stijn, 2005. "Access to financial services: a review of the issues and public policy objectives," Policy Research Working Paper Series 3589, The World Bank.
  9. Hall, Robert E, 1978. "Stochastic Implications of the Life Cycle-Permanent Income Hypothesis: Theory and Evidence," Journal of Political Economy, University of Chicago Press, vol. 86(6), pages 971-87, December.
  10. Adolfo Barajas & Roberto Steiner, 2002. "Credit Stagnation in Latin America," IMF Working Papers 02/53, International Monetary Fund.
  11. Zeller, Manfred, 1994. "Determinants of credit rationing," FCND discussion papers 2, International Food Policy Research Institute (IFPRI).
  12. Torsten Schmidt & Hiltrud Nehls, 2003. "Credit Crunch in Germany?," RWI Discussion Papers 0006, Rheinisch-Westfälisches Institut für Wirtschaftsforschung.
  13. Jorge Baca-Campodónico & Luiz de Mello & Andrei Kirilenko, 2006. "The Rates and Revenue of Bank Transaction Taxes," OECD Economics Department Working Papers 494, OECD Publishing.
  14. Bester, Helmut, 1985. "Screening vs. Rationing in Credit Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 75(4), pages 850-55, September.
  15. de la Torre, Augusto & Gozzi, Juan Carlos & Schmukler, Sergio L., 2007. "Innovative experiences in access to finance : market friendly roles for the visible hand ?," Policy Research Working Paper Series 4326, The World Bank.
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Cited by:
  1. Ana María Iregui & Ligia Alba Melo B., 2009. "La transmisión de la política monetaria sobre el consumo en presencia de restricciones de liquidez," BORRADORES DE ECONOMIA 005254, BANCO DE LA REPÚBLICA.

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