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Formacion de capital humano, mercados de credito incompletos y subdesarrollo

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  • Ruben Chavarin Rodriguez

    ()
    (Universidad de Guadalajara)

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    Abstract

    Las restricciones de credito que caracterizan los procesos de formacion de capital humano en diversos paises estan ligadas a la desigualdad en el ingreso y al subdesarrollo. Un modelo representativo de estas interrelaciones es el de Ljungqvist (2001), el cual expone que la imposibilidad de acceder a creditos educativos, debido a la falta de colateral, provoca la desaparicion del mercado de creditos para sectores de la poblacion con bajos ingresos. La intervencion adecuada del gobierno puede completar los mercados y mejorar la asignacion de recursos. Diversos estudios coinciden en que los esfuerzos de intervencion gubernamental deben enfocarse en la modificacion de las causas que originan las distorsiones del mercado y en la generacion de incentivos. Este documento presenta una revision de cierta literatura relevante sobre estos temas y la articula con una exposicion simplificada del modelo de Ljungqvist.

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    File URL: http://econoquantum.cucea.udg.mx/volumen_3_num_1/vol_3_no_1_Suplemento_1.pdf
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    Bibliographic Info

    Article provided by Universidad de Guadalajara, Centro Universitario de Ciencias Economico Administrativas, Departamento de Metodos Cuantitativos y Maestria en Economia. in its journal EconoQuantum, Revista de Economia y Negocios.

    Volume (Year): 3 (2006)
    Issue (Month): 1 (Julio - Diciembre)
    Pages: 91-107

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    Handle: RePEc:qua:journl:v:3:y:2006:i:1:p:91-107

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