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Financiamiento de la banca comercial para las micro, pequeñas y medianas empresas en México

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  • Padilla, Ramón
  • Fenton Ontañon, Rodrigo

Abstract

El objetivo de este artículo es estudiar la estrategia de otorgamiento de créditos a las mipymes por parte de la banca comercial en México, así como examinar los factores que la incentivan o la obstaculizan. Para ello, en 2011 se efectuó una encuesta detallada entre los bancos comerciales que operan en el país. En esta se evidencia que existe un creciente interés por ampliar el crédito a las mipymes, pese a que estos créditos representan todavía una pequeña proporción de la cartera total. Se detectaron tres diferentes modelos de negocios, con divergencias importantes en las estrategias seguidas para atender a este segmento de empresas. Los factores que constituyen una mayor barrera para la oferta de crédito son la presencia de información insuficiente, fallas en el sistema de protección de acreedores, la informalidad, y las transformaciones históricas y rupturas que la banca comercial ha experimentado en las últimas tres décadas.

Suggested Citation

  • Padilla, Ramón & Fenton Ontañon, Rodrigo, 2013. "Financiamiento de la banca comercial para las micro, pequeñas y medianas empresas en México," Revista CEPAL, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL), December.
    • Handle: RePEc:ecr:col070:35930
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    File URL: http://repositorio.cepal.org/handle/11362/35930
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    Cited by:

    1. Skott, Peter & Gómez-Ramírez, Leopoldo, 2018. "Credit constraints and economic growth in a dual economy," Structural Change and Economic Dynamics, Elsevier, vol. 45(C), pages 64-76.

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