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Inclusão financeira e inadimplência bancária: Assimetria das respostas em crises

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  • Shinkoda S., Marcelo Henrique
  • Braga, Marcelo José
  • Bressan, Valéria Gama Fully

Abstract

Este artigo analisou se as instituições financeiras promovem ou não a inclusão financeira. As hipóteses consideram a existência do efeito crowding-out e do aumento da inadimplência. A Teoria de Pressão Ascendentes de Preços foi considerada ao adaptar o procedimento de Berry (1994) para obter as elasticidades-preço da demanda e as taxas de desvio. Além do mais, um VAR estrutural foi estimado para avaliar o efeito da inadimplência sobre as elasticidades. Dos resultados, verifica-se que a existência do efeito crowding-out está presente parcialmente entre os bancos públicos e bancos privados, pois as cooperativas de crédito expandem empréstimos bancários em momentos adversos.

Suggested Citation

  • Shinkoda S., Marcelo Henrique & Braga, Marcelo José & Bressan, Valéria Gama Fully, 2022. "Inclusão financeira e inadimplência bancária: Assimetria das respostas em crises," Revista Brasileira de Economia - RBE, EPGE Brazilian School of Economics and Finance - FGV EPGE (Brazil), vol. 76(2), October.
    • Handle: RePEc:fgv:epgrbe:v:76:y:2022:i:2:a:82282
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