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Una Visión Global de la Deuda Financiera de los Hogares Chilenos en la Última Década

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  • José Miguel Matus
  • Nancy Silva
  • Alejandra Marinovic
  • Karla Flores
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    Abstract

    Este artículo constituye el primer esfuerzo por proporcionar una caracterización extensiva de la deuda financiera de los hogares chilenos en la última década, que permita contribuir al debate con una evaluación del riesgo que este segmento conlleva para el sistema financiero chileno. Con este objetivo se caracterizan los distintos productos crediticios disponibles, los diversos oferentes del crédito y las principales características de los deudores en cada segmento, además de analizar la exposición de los agentes financieros a la deuda de los hogares, incluyendo una comparación de sus indicadores de riesgo de crédito. La deuda de los hogares chilenos muestra un importante dinamismo en el periodo 1997-2008. Este se manifiesta en diversos aspectos, entre los cuales están los cambios en las condiciones crediticias, el ingreso de nuevos proveedores al sistema, modificaciones normativas y una fuerte correlación con el ciclo económico. Si bien el presente análisis apunta a que, por múltiples factores, el riesgo de este segmento crediticio es acotado, también pone en evidencia la relevancia de su constante monitoreo.

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    Bibliographic Info

    Paper provided by Central Bank of Chile in its series Economic Statistics Series with number 81.

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    Date of creation: Apr 2010
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    Handle: RePEc:chb:bcchee:81

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    1. Adolfo Barajas & Leonardo Luna & Jorge Restrepo, 2007. "Macroeconomic Fluctuations and Bank Behavior in Chile," Working Papers Central Bank of Chile 436, Central Bank of Chile.
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    Cited by:
    1. Andrés Sagner, 2011. "El Índice Cartera Vencida como Medida de Riesgo de Crédito: Análisis y Aplicación al Caso de Chile," Working Papers Central Bank of Chile 618, Central Bank of Chile.
    2. Jaime Ruiz-Tagle & Leidy García & Álvaro Miranda, 2013. "Proceso de Endeudamiento y Sobre Endeudamiento de los Hogares en Chile," Working Papers Central Bank of Chile 703, Central Bank of Chile.

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