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O Estudo do Gap Regional de Crédito e seus Determinantes, sob uma Ótica Pós-Keynesiana

Author

Listed:
  • Cassandro Marco Crocco

    (Centro de Desenvolvimento e Planejamento Regional (CEDEPLAR/UFMG))

  • Mara Nogueira

    (Centro de Desenvolvimento e Planejamento Regional (CEDEPLAR/UFMG))

  • Paulo Carla Michelle Coelho de Andrade

    (Centro de Desenvolvimento e Planejamento Regional (CEDEPLAR/UFMG))

Abstract

Este artigo objetiva investigar os determinantes do gap de crédito nos municípios brasileiros, sendo compreendido como gap o volume de crédito necessário para igualar a participação da localidade no total de crédito concedido no país à sua participação no PIB nacional. Parte-se de um arcabouço teórico pós-keynesiano no qual a moeda afeta a economia – tanto no curto quanto no longo termo – e possui efeitos diferenciados nas regiões de um mesmo país. A partir do balanço consolidado das agências bancárias de 2.592 municípios foram construídos indicadores financeiros utilizados como variáveis explicativas em um modelo econométrico de dados em painel do tipo mínimos quadrados generalizados (“EGLS”) para sete anos (2000-2006). A análise dos resultados corrobora a teoria pós-keynesiana na medida em que tanto o estágio de desenvolvimento bancário do município quanto o grau de preferência pela liquidez das agências bancárias foram importantes para explicar a disponibilidade local de crédito.

Suggested Citation

  • Cassandro Marco Crocco & Mara Nogueira & Paulo Carla Michelle Coelho de Andrade, 2011. "O Estudo do Gap Regional de Crédito e seus Determinantes, sob uma Ótica Pós-Keynesiana," Economia, ANPEC - Associação Nacional dos Centros de Pósgraduação em Economia [Brazilian Association of Graduate Programs in Economics], vol. 12(2), pages 281-307.
  • Handle: RePEc:anp:econom:v:12:y:2011:i:2:281_307
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    Cited by:

    1. Lages, André Maia Gomes & Santos, Fabrício Rios Nascimento & Ferreira, Humberto Barbosa, 2016. "Preference for Liquidity of Agents: An Analyse of Brasilian Case," MPRA Paper 73949, University Library of Munich, Germany.

    More about this item

    Keywords

    Racionamento de Crédito; Economia Regional; Bancos;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • 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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