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Determinantes Del Número De Relaciones Bancarias En Colombia

Author

Listed:
  • Inés Paola Orozco
  • José Eduardo Gómez-González
  • José Piñeros
  • José Vicente Romero

Abstract

En este documento se realiza una exploración inicial sobre los determinantes del número de relaciones bancarias del sector corporativo privado de Colombia. Siguiendo otros estudios similares realizados para distintos países, se utilizan modelos de datos de cuenta y se estima un modelo de regresión de Poisson y un modelo de regresión binomial negativa para hallar los determinantes de la variable de interés. Encontramos que los datos presentan sobredispersión, razón por la cual el modelo de regresión binomial negativa es más adecuado que el modelo de regresión de Poisson en este contexto. Dentro de este ejercicio se encuentra que las variables de liquidez, tamaño de la firma, composición de la deuda, eficiencia, la tasa activa real y la tasa de crecimiento del PIB, resultan ser importantes en la determinación del número de relaciones bancarias. El hecho de que las relaciones bancarias sean afectadas por la actividad económica, podría sugerir que durante los tiempos de desaceleración económica las empresas buscan fuentes alternativas de financiamiento.

Suggested Citation

  • Inés Paola Orozco & José Eduardo Gómez-González & José Piñeros & José Vicente Romero, 2011. "Determinantes Del Número De Relaciones Bancarias En Colombia," Revista ESPE - Ensayos sobre Política Económica, Banco de la Republica de Colombia, vol. 29(65), pages 176-196, June.
  • Handle: RePEc:bdr:ensayo:v:29:y:2011:i:65:p:176-196
    DOI: 10.32468/Espe.6504
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    1. Stefany Moreno-Burbano & Andrés Vargas-Vargas & Juan Sebastián Vélez-Velásquez, 2019. "Interest rate dispersion in commercial loans," Borradores de Economia 1088, Banco de la Republica de Colombia.

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    More about this item

    Keywords

    Bancos; Relaciones bancarias; modelos de datos de cuenta;
    All these keywords.

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • C40 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - General

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