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Las provisiones Anticíclicas: Una aproximación para Colombia desde el caso Espanol

Author

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  • Alexander Campos Osorio

Abstract

El esquema de provisiones en Colombia ha mostrado un patrón procíclico importante: cuando la economía se desacelera las provisiones aumentan significativamente, retrasando la recuperación del crédito y la economía en general. Con miras a resolver este problema, países como Espana han optado por un esquema de provisiones anticíclicas o estadísticas. Además de guardar una mejor sintonía con la regulación prudencial, dicho mecanismo permite suavizar el comportamiento temporal de las provisiones, tornándolas menos onerosas en períodos de crisis y reforzándolas en los de auge. En este documento se discute la importancia de un mecanismo como el que funciona en Espana y se realizan algunos ejercicios de simulación para ver su potencial impacto sobre el patrón temporal de las provisiones y de utilidades para el período comprendido entre 1991 y 2004.

Suggested Citation

  • Alexander Campos Osorio, 2005. "Las provisiones Anticíclicas: Una aproximación para Colombia desde el caso Espanol," Documentos Asobancaria 3123, Asobancaria.
    • Handle: RePEc:col:000087:003123
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    Keywords

    Provisiones;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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