Propiedad de la banca y conducta crediticia
Abstract
(Disponible en idioma inglés únicamente) En este trabajo se analiza si la propiedad de la banca (pública vs. privada, nacional vs. extranjera) guarda alguna relación con las prácticas crediticias de los bancos a lo largo del ciclo económico. Se halla que los bancos propiedad del Estado pueden desempeñar un útil papel de facilitación del crédito, debido a que sus prácticas crediticias son menos sensibles a las sacudidas macroeconómicas que las de los bancos privados. Se analiza si esta diferencia de conducta se debe a un objetivo explícito de estabilizar el crédito o a la presencia de gerentes perezosos de bancos propiedad del Estado; se hallan elementos en apoyo de la primera hipótesis. En el caso de bancos extranjeros, se determina que los resultados son menos claros y se sostiene que este hallazgo se corresponde con los modelos teóricos actuales.Download Info
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Paper provided by Inter-American Development Bank, Research Department in its series Research Department Publications with number 4386.Length:
Date of creation: Nov 2004
Date of revision:
Handle: RePEc:idb:wpaper:4386
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