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Acceso a servicios financieros en Colombia

Author

Listed:
  • Carlos Gustavo Cano
  • Maria del Pilar Esguerra Umaña
  • Nidia García
  • Leonardo Rueda

Abstract

El acceso a los servicios financieros constituye un derecho fundamental contemporáneo y un instrumento insustituible en la asignación de los recursos que permitan la acumulación de capital. Así las cosas, desde el ángulo del crecimiento y la igualdad, el alcance social de dicha herramienta resulta crucial para el desarrollo económico en términos de equidad y sostenibilidad. Por tal motivo, la exclusión financiera equivale a una forma de exclusión social. Lo cual justifica que con la más alta prioridad el Estado garantice a través del marco regulatorio el acceso a los servicios financieros de los segmentos más vulnerables de la población. En este trabajo, se discute la importancia de la definición de inclusión financiera en contraposición al concepto tradicional de bancarización; y se analizan las variables que determinan la inclusión financiera desde el punto de vista de la demanda, a través de la agregación de los servicios financieros.

Suggested Citation

  • Carlos Gustavo Cano & Maria del Pilar Esguerra Umaña & Nidia García & Leonardo Rueda, 2013. "Acceso a servicios financieros en Colombia," Borradores de Economia 10974, Banco de la Republica.
    • Handle: RePEc:col:000094:010974
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    More about this item

    Keywords

    Inclusión financiera; Capacidades financieras; Regulación en Colombia.;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D18 - Microeconomics - - Household Behavior - - - Consumer Protection
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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