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Concentração Regional do Crédito e Consolidação Bancária no Brasil: Uma Análise Pós-Real

Author

Listed:
  • Ana Paula Gonçalves de Freitas

    (Centro Brasileiro de Infra-Estrutura)

  • Luiz Fernando Rodrigues de Paula

    (Universidade do Estado do Rio de Janeiro (FCE-UERJ))

Abstract

O objetivo deste artigo é analisar como o processo de consolidação bancária brasileiro, a partir da implementação do Plano Real, impactou a distribuição e concessão do crédito regionalmente. A partir da análise de dados estatísticos e da utilização da análise de dados em painel, avaliamos as implicações desse processo sobre o comportamento do setor bancário e seus efeitos sobre a concessão e distribuição de crédito regional. Os resultados obtidos no exercício empírico para o período 1994-2006 mostram indícios a favor da hipótese de que o processo de reestruturação bancária teve efeito negativo sobre a disponibilidade regional do crédito, sobretudo nas regiões periféricas do País. Adicionalmente, há evidências de que fatores monetários são importantes na explicação da tendência a concentração regional do crédito no Brasil.

Suggested Citation

  • Ana Paula Gonçalves de Freitas & Luiz Fernando Rodrigues de Paula, 2010. "Concentração Regional do Crédito e Consolidação Bancária no Brasil: Uma Análise Pós-Real," Economia, ANPEC - Associação Nacional dos Centros de Pós-Graduação em Economia [Brazilian Association of Graduate Programs in Economics], vol. 11(1), pages 97-123.
  • Handle: RePEc:anp:econom:v:11:y:2010:i:1:97_123
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    File URL: http://www.anpec.org.br/revista/vol11/vol11n1p97_123.pdf
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    Cited by:

    1. Almeida Levino, Natallya & Maia Gomes Lages, André & Jorge, Marco Antonio, 2010. "Demanda por moeda nos estados brasileiros: uma análise pós- -keynesiana em painel
      [Demand for money in Brazilian states: a post keynesian panel analysis]
      ," MPRA Paper 48317, University Library of Munich, Germany, revised 25 Oct 2012.

    More about this item

    Keywords

    Oferta de Crédito; Economia Regional; Setor Bancário Brasileiro.;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O18 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Urban, Rural, Regional, and Transportation Analysis; Housing; Infrastructure
    • R11 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - Regional Economic Activity: Growth, Development, Environmental Issues, and Changes

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