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Analisis de la concentracion y competencia en el sector bancario

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  • Jaime Zurita

Abstract

La crisis ha fomentado la consolidacion y concentracion de muchos sectores bancarios, alimentando el debate sobre los efectos de una mayor concentracion sobre el nivel de competencia y la estabilidad del sistema. No obstante, las conclusiones de la literatura sobre este tema no soportan que exista una relacion directa entre concentracion y poder de mercado en los sistemas bancarios. Multiples estudios tratan de contrastar la existencia de esta relacion en sistemas bancarios completos, o realizando una simple segmentacion entre bancos grandes y pequenos. Estos estudios no encuentran una relacion directa entre concentracion y poder de mercado, excepto en el caso de paises desarrollados y bancos muy grandes. La conclusion principal es que la mayor o menor concentracion de un mercado es una variable a tener en cuenta a la hora de estudiar la competencia de un sistema financiero, pero hay otras variables que influyen tambien en la actividad de las entidades y el nivel de competencia de los sistemas, entre las que hay que mencionar la herencia historica politica de cada pais, la contestabilidad del mercado, el entorno institucional y regulatorio y el ciclo economico, entre otras.

Suggested Citation

  • Jaime Zurita, 2014. "Analisis de la concentracion y competencia en el sector bancario," Working Papers 1423, BBVA Bank, Economic Research Department.
    • Handle: RePEc:bbv:wpaper:1423
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    References listed on IDEAS

    as
    1. Ximena Pena & Carmen Hoyo & David Tuesta, 2014. "Determinantes de la inclusion financiera en Mexico a partir de la ENIF 2012," Working Papers 1414, BBVA Bank, Economic Research Department.
    2. Tatiana Alonso & Javier Alonso & Santiago Fernandez de Lis & Cristina Rohde & David Tuesta, 2013. "Global Financial Regulatory Trends and Challenges for Insurance and Pensions," Working Papers 1321, BBVA Bank, Economic Research Department.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Concentracion; Competencia; Consolidacion; Panzar-Rosse;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L11 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Production, Pricing, and Market Structure; Size Distribution of Firms
    • L13 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Oligopoly and Other Imperfect Markets
    • L21 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Business Objectives of the Firm

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