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Estructura de mercado del sistema bancario boliviano

Author

Listed:
  • Oscar A. Díaz Quevedo

    (Banco Central de Bolivia)

Abstract

En las últimas décadas el sistema bancario boliviano ha sufrido importantes transformaciones destinadas a lograr una mayor eficiencia. Sin embargo, en opinión de algunos economistas, políticos y la población en general, las entidades bancarias aún cobran altas tasas de interés y los requerimientos de colateral representan una restricción importante para el otorgamiento de créditos. En este contexto, es de especial interés analizar la evolución del grado de competencia de la banca boliviana en el período 1993 - 2007. Para ello se utilizan instrumentos desarrollados en la economía industrial como el índice de Lerner de poder de mercado, la estimación de variaciones conjeturales y el estadístico H, así como el contraste de las hipótesis Estructura-Conducta-Resultados (SCP) versus eficiencia y la utilización de medidas de concentración. La evidencia encontrada a través de distintas metodologías sugiere que existe un bajo grado de competencia entra las diferentes entidades bancarias, aunque se habrían dado avances importantes en el proceso de intermediación y de consolidación de sus actividades que derivó en una mayor competencia en los últimos seis años, lo cual es corroborado por los distintos modelos empleados.

Suggested Citation

  • Oscar A. Díaz Quevedo, 2009. "Estructura de mercado del sistema bancario boliviano," Revista de Análisis del BCB, Banco Central de Bolivia, vol. 11(1), pages 7-44, December.
  • Handle: RePEc:blv:journl:v:11:y:2009:i:1:p:7-44
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    More about this item

    Keywords

    competencia; sistema bancario; estructura de mercado;

    JEL classification:

    • C23 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Models with Panel Data; Spatio-temporal Models
    • D21 - Microeconomics - - Production and Organizations - - - Firm Behavior: Theory
    • D40 - Microeconomics - - Market Structure, Pricing, and Design - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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