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Distribuição Regional do Crédito Bancário e Convergência no Crescimento Estadual Brasileiro


  • Michel Alexandre

    (Banco Central do Brasil)

  • Ciro Biderman

    (Fundação Getúlio Vargas)

  • Gilberto Tadeu Lima

    (Universidade de São Paulo)


O objetivo deste artigo é analisar a convergência no crescimento entre os Estados brasileiros no período 1988-2001. Além das variáveis tradicionalmente utilizadas em estudos de convergência estadual, foram incluídos indicadores de credito, o que configura a inovação deste artigo. Os resultados mostram que algumas variáveis de crédito aumentam a velocidade de convergência. A variável de crédito que se revelou mais relevante nessa analise de convergência estadual foi a razão entre os empréstimos e títulos descontados e a renda. Com base nesses resultados, são extraídas algumas implicações de política pública.

Suggested Citation

  • Michel Alexandre & Ciro Biderman & Gilberto Tadeu Lima, 2008. "Distribuição Regional do Crédito Bancário e Convergência no Crescimento Estadual Brasileiro," Economia, ANPEC - Associação Nacional dos Centros de Pósgraduação em Economia [Brazilian Association of Graduate Programs in Economics], vol. 9(3), pages 457-490.
  • Handle: RePEc:anp:econom:v:9:y:2008:i:3:457-490

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    References listed on IDEAS

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    Cited by:

    1. Daniel Reichstul & Gilberto Tadeu Lima, 2005. "Crédito Bancário E Atividade Econômica: Evidências Empíricas Para A Produção Industrial No Estado De São Paulo," Anais do XXXIII Encontro Nacional de Economia [Proceedings of the 33th Brazilian Economics Meeting] 119, ANPEC - Associação Nacional dos Centros de Pósgraduação em Economia [Brazilian Association of Graduate Programs in Economics].

    More about this item


    Distribuição Regional do Credito; Crescimento Estadual; Convergência;

    JEL classification:

    • G12 - Financial Economics - - General Financial Markets - - - Asset Pricing; Trading Volume; Bond Interest Rates
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages


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