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Analisis del uso de servicios financieros por parte de las empresas en Mexico. Que nos dice el Censo Economico 2009

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Author Info

  • F. Javier Morales
  • Sara G. Castellanos
  • Mariana A. Toran

Abstract

Investigamos la tasa de adopcion de las tarjetas de pago considerando el conocimiento de consumidores y comerciantes acerca de las externalidades de red, usando dos niveles de cuotas de intercambio (interchange fees) en un mercado de tarjetas de multi-agente. A efectos de nuestro estudio, en diversas instancias (escenarios) del modelo se analizan los efectos investigados durante todo el proceso de adopcion, hasta alcanzarse el punto de saturacion del mercado. A continuacion, en cada escenario se comparan dos niveles diferentes de cuotas de intercambio y un grado diferente de conocimiento de consumidores y comerciantes. Para ello, hemos modelado explicitamente las interacciones entre consumidores y comerciantes en el punto de venta. En el modelo, los emisores de tarjetas pueden cobrar a los consumidores comisiones fijas y ofrecer beneficios netos por el uso de las tarjetas, mientras que los adquirientes pueden cobrar tasas fijas y por transaccion a los comercios. Las cuotas de intercambio fluyen de los adquirientes hacia los emisores. No obstante, reconocemos que el punto de saturacion del mercado no solamente esta determinado por las externalidades de la red y por el nivel de las cuotas de intercambio, sino tambien por factores macroeconomicos que no se analizan en esta fase de la investigacion.

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Bibliographic Info

Paper provided by BBVA Bank, Economic Research Department in its series Working Papers with number 1215.

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Length: 50 pages
Date of creation: Jul 2012
Date of revision:
Handle: RePEc:bbv:wpaper:1215

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Related research

Keywords: México; credito bancario a empresas; uso de cuentas bancarias entre empresas; micro; pequenas y medianas empresas; racionamiento voluntario e involuntario en mercados financieros;

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  1. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, American Economic Association, vol. 71(3), pages 393-410, June.
  2. Bruhn, Miriam, 2012. "A tale of two species : revisiting the effect of registration reform on informal business owners in Mexico," Policy Research Working Paper Series 5971, The World Bank.
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