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Análisis del Endeudamiento de los Hogares Colombianos

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Author Info
Mario alejandro González ()
John Jairo León ()

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Abstract

Este documento analiza los determinantes del endeudamiento de los hogares en Colombia en los últimos 14 años. A partir de un modelo simple de elecci´on y con base en los datos de las Cuentas Financieras del Banco de la Rep´ublica y de la muestra aleatoria codificada de los renglones de las declaraciones correspondientes a los contribuyentes personas naturales declarantes del impuesto sobre la renta para los períodos gravables 1993 a 2004, se determinan las principales variables que afectan la decisión de endeudamiento. Los resultados sugieren que el colateral, los niveles de deuda anterior y la carga financiera son los determinantes del endeudamiento de los hogares en Colombia y, por lo tanto, las acciones de política deben enfocarse en vigilar el patrimonio de los hogares y la dinámica de la tasa de interés para evitar una crisis de repudio similar a aquella de 1999.

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Publisher Info
Paper provided by Banco de la Republica de Colombia in its series Borradores de Economia with number 452.

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Handle: RePEc:bdr:borrec:452

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Related research
Keywords: endeudamiento; balance de los hogares; racionamiento de crédito; modelos de datos panel dinámicos. Classification JEL: C22; D13; D31.;

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References listed on IDEAS
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  1. Sarah Brown & Gaia Garino & Karl Taylor & Stephen Wheatley Price, 2005. "Debt and Financial Expectations: An Individual- and Household-Level Analysis," Economic Inquiry, Oxford University Press, vol. 43(1), pages 100-120, January. [Downloadable!] (restricted)
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  2. R Blundell & Steven Bond, . "Initial conditions and moment restrictions in dynamic panel data model," Economics Papers W14&104., Economics Group, Nuffield College, University of Oxford. [Downloadable!]
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  3. David Roodman, 2006. "How to Do xtabond2," North American Stata Users' Group Meetings 2006 8, Stata Users Group. [Downloadable!]
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This page was last updated on 2009-12-14.

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