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Determinantes Del Acceso Al Crédito De Los Hogares Colombianos

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  • Andrés Murcia Pabón

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Abstract

Este documento busca identificar los determinantes de acceso al crédito de los hogares colombianos y encuentra que características tales como el ingreso, la riqueza, la posición geográfica, el acceso a la seguridad social, el nivel de educación y la edad afectan la probabilidad de ser usuario de los servicios financieros acá analizados (tarjeta de crédito y crédito hipotecario). Adicionalmente se encontró que una porción importante de población cuenta con unas condiciones financieras favorables (representados en unas altas tasas de ahorro) y no cuentan con acceso a servicios financieros, lo cual sugiere que podría haber posibilidades de expandir la oferta de crédito a ciertos segmentos.

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Bibliographic Info

Paper provided by Banco de la Republica de Colombia in its series Borradores de Economia with number 449.

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Handle: RePEc:bdr:borrec:449

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Keywords: Hogares; Bancarización; Acceso al crédito. Classification JEL: C25; C43; D19; D59.;

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  1. Claessens, Stijn, 2006. "Access to financial services: a review of the issues and public policy objectives," Journal of Financial Transformation, Capco Institute, Capco Institute, vol. 17, pages 16-19.
  2. Beck, T.H.L. & Torre, A. de la, 2007. "The basic analytics of access to financial services," Open Access publications from Tilburg University urn:nbn:nl:ui:12-3125424, Tilburg University.
  3. Hayashi, Fumio, 1985. "The Effect of Liquidity Constraints on Consumption: A Cross-sectional Analysis," The Quarterly Journal of Economics, MIT Press, MIT Press, vol. 100(1), pages 183-206, February.
  4. Jorge Baca-Campodónico & Luiz de Mello & Andrei Kirilenko, 2006. "The Rates and Revenue of Bank Transaction Taxes," OECD Economics Department Working Papers 494, OECD Publishing.
  5. Ligia Melo B. & Héctor Zárate S. & Juana Tellez C., . "El Ahorro De Los Hogares En Colombia," Borradores de Economia 428, Banco de la Republica de Colombia.
  6. Diagne, Aliou & Zeller, Manfred & Sharma, Manohar, 2000. "Empirical measurements of households' access to credit and credit constraints in developing countries," FCND briefs, International Food Policy Research Institute (IFPRI) 90, International Food Policy Research Institute (IFPRI).
  7. de la Torre, Augusto & Gozzi, Juan Carlos & Schmukler, Sergio L., 2007. "Innovative experiences in access to finance : market friendly roles for the visible hand ?," Policy Research Working Paper Series 4326, The World Bank.
  8. Adolfo Barajas & Roberto Steiner, 2002. "Credit Stagnation in Latin America," IMF Working Papers 02/53, International Monetary Fund.
  9. Dairo Estrada & Sandra Rozo, 2006. "Multimarket spatial competition in the Colombian deposit market," BORRADORES DE ECONOMIA 003264, BANCO DE LA REPÚBLICA.
  10. Hall, Robert E, 1978. "Stochastic Implications of the Life Cycle-Permanent Income Hypothesis: Theory and Evidence," Journal of Political Economy, University of Chicago Press, University of Chicago Press, vol. 86(6), pages 971-87, December.
  11. Carlos Medina & Jairo Núñez, 2006. "La Oferta De Servicios Del Sector Financiero Formal En Bogotá," DOCUMENTOS CEDE, UNIVERSIDAD DE LOS ANDES-CEDE 003043, UNIVERSIDAD DE LOS ANDES-CEDE.
  12. Ross Levine, 2004. "Finance and Growth: Theory and Evidence," NBER Working Papers 10766, National Bureau of Economic Research, Inc.
  13. Bester, Helmut, 1985. "Screening vs. Rationing in Credit Markets with Imperfect Information," American Economic Review, American Economic Association, American Economic Association, vol. 75(4), pages 850-55, September.
  14. Torsten Schmidt & Hiltrud Nehls, 2003. "Credit Crunch in Germany?," RWI Discussion Papers, Rheinisch-Westfälisches Institut für Wirtschaftsforschung 0006, Rheinisch-Westfälisches Institut für Wirtschaftsforschung.
  15. Zeller, Manfred, 1994. "Determinants of credit rationing," FCND discussion papers, International Food Policy Research Institute (IFPRI) 2, International Food Policy Research Institute (IFPRI).
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Cited by:
  1. Ana María Iregui & Ligia Alba Melo B., 2009. "La transmisión de la política monetaria sobre el consumo en presencia de restricciones de liquidez," BORRADORES DE ECONOMIA 005254, BANCO DE LA REPÚBLICA.

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