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La estrategia de concentración de las cooperativas de crédito espanolas. Análisis de los sistemas institucionales de protección

Author

Listed:
  • Luis Jesús Belmonte Urena
  • José Antonio Álvarez Bermejo
  • Juan Fernando Álvarez Rodríguez

Abstract

La crisis financiera de los últimos anos ha tenido importantes consecuencias en el sector bancario espanol y en particular en las cooperativas de crédito espanolas. En este escenario, al igual que ocurre en el sector de las cajas de ahorros y los bancos, las cooperativas de crédito se encuentran inmersas en importantes movimientos de cooperación, fusión y crecimiento externo, con el fin de garantizar su supervivencia a largo plazo. Este trabajo presenta una propuesta metodológica de agrupación de las cooperativas de crédito espanolas basada en el análisis clúster, con el propósito de valorar la oportunidad de formar parte de uno u otro Sistema Institucional de Protección (SIP), atendiendo a diferentes aspectos de su estrategia en el ámbito comercial, de la innovación y social. Los resultados de los análisis efectuados en los datos de estas cooperativas de crédito, para el período 1999-2009, muestran la conveniencia de que las cooperativas de crédito tengan estrategias similares a la entidad de referencia del SIP en la que se integran.******The financial crisis in recent years is having a significant impact on the Spanish banking sector and particularly in Spanish credit cooperatives. In this scenario, as happens in the savings banks and banks, credit unions are immersed in important movements of cooperation, mergers and external growth, in order to guarantee their long-term survival. In this context, this paper proposes a method of grouping of Spanish credit cooperatives based on cluster analysis with the aim to value the opportunity to join one or other of the Institution of Protection System (IPS) currently considered in the Spanish context, and attending to different aspects of its strategy, commercial and social innovation. The results of analyzes carried on data from Spanish credit cooperatives for the period 1999-2009, which show the convenience of credit unions have similar strategies to the reference entity in the IPS are integrated.

Suggested Citation

  • Luis Jesús Belmonte Urena & José Antonio Álvarez Bermejo & Juan Fernando Álvarez Rodríguez, 2013. "La estrategia de concentración de las cooperativas de crédito espanolas. Análisis de los sistemas institucionales de protección," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 5(2), pages 23-36, December.
  • Handle: RePEc:col:000443:012123
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    References listed on IDEAS

    as
    1. Santiago Carbó & Jonathan Williams, 2000. "Stakeholder Value in European Savings Banks," Palgrave Macmillan Books, in: Leo Schuster (ed.), Shareholder Value Management in Banks, chapter 8, pages 134-166, Palgrave Macmillan.
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    More about this item

    Keywords

    cooperativas de crédito; concentración bancaria; análisis cluster; sistema institucional de protección******Keywords: Credit cooperatives; banking concentration; cluster analysis; Institutional Protection System.;
    All these keywords.

    JEL classification:

    • G34 - Financial Economics - - Corporate Finance and Governance - - - Mergers; Acquisitions; Restructuring; Corporate Governance
    • P13 - Political Economy and Comparative Economic Systems - - Capitalist Economies - - - Cooperative Enterprises
    • C38 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Classification Methdos; Cluster Analysis; Principal Components; Factor Analysis

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