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El mercado de crédito comercial y las restricciones de endeudamiento en Colombia


Author Info

  • Adriana María Corredor-Waldron


  • David Pérez-Reyna



En este trabajo se estudian los determinantes de la oferta y demanda de la cartera comercial en Colombia, tanto a nivel macroeconómico como usando información por empresas, por medio de un modelo de desequilibrio que permite analizar posibles restricciones de crédito. Para esto se usa información a nivel de firma de desembolsos de crédito, al igual que otras variables del balance y del estado de resultados, disponibles desde 1998 hasta 2008. Las estimaciones indican que el nivel de actividad de las empresas tiene una relación positiva con la demanda de crédito, y que el valor del colateral y la percepción de riesgo que se tenga de la firma influyen sobre la oferta.

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Bibliographic Info

Paper provided by Banco de la Republica de Colombia in its series Temas de Estabilidad Financiera with number 042.

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Handle: RePEc:bdr:temest:042

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Keywords: Modelo de desequilibrio; restricciones de crédito; Mercado de crédito comercial; Sistema financiero colombiano. Classification JEL: C31; E32; G32.;

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Cited by:
  1. Santiago Caicedo & David Pérez-Reyna, . "Implications on Households of Bank's Asset Substitution," Temas de Estabilidad Financiera 053, Banco de la Republica de Colombia.


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