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Efectos de las tarjetas de crédito en la estructura de consumo y la desigualdad de los hogares mexicanos

Author

Listed:
  • Owen Eli Ceballos-Mina
  • Luis Enrique Santiago-Ayala

Abstract

En este artículo se analizan los efectos de la tenencia de tarjeta de crédito (TC) sobre la estructura y la distribución del gasto de las familias mexicanas en el 2016. Para ello, se usan regresiones cuantílicas en dos etapas para estimar modelos de los determinantes del consumo y se instrumenta el efecto de las TC por categoría de gasto. Se evidencia así que estas tienen un efecto positivo sobre el consumo agregado, guiado principalmente por el aumento del gasto en salud y rubros menos básicos como vestido, comunicaciones y esparcimiento. A su vez, se encontró que no tienen efectos significativos sobre los gastos en educación y bienes durables. Los efectos de las TC son mayores en la parte alta de la distribución de consumo, por lo que pueden cuestionarse dichos efectos sobre la reducción de la desigualdad y el bienestar futuro de las familias, dadas las condiciones del proceso de inclusión financiera en el país.

Suggested Citation

  • Owen Eli Ceballos-Mina & Luis Enrique Santiago-Ayala, 2019. "Efectos de las tarjetas de crédito en la estructura de consumo y la desigualdad de los hogares mexicanos," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 11(2), pages 299-320, November.
    • Handle: RePEc:col:000443:018464
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    References listed on IDEAS

    as
    1. Thorsten Beck & Asli Demirgüç-Kunt & Ross Levine, 2007. "Finance, inequality and the poor," Journal of Economic Growth, Springer, vol. 12(1), pages 27-49, March.
    2. Orazio P. Attanasio & Miguel Székely, 1999. "Ahorro de los hogares y distribución del ingreso en México," Economía Mexicana NUEVA ÉPOCA, CIDE, División de Economía, vol. 0(2), pages 267-338, July-Dece.
    3. Fernando Aportela, 2001. "Efectos de los ciclos de crédito en México sobre la tasa de ahorro de los hogares, 1989-1996," Economía Mexicana NUEVA ÉPOCA, CIDE, División de Economía, vol. 0(2), pages 169-211, July-Dece.
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    Cited by:

    1. Gustavo León Cuanalo & Ariadna Hernández Rivera & Gonzalo Haro Álvarez, 2022. "Inclusión financiera en jóvenes universitarios en México, 2017-2018," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 17(1), pages 1-18, Enero - M.

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    More about this item

    Keywords

    bienestar; consumo; desigualdad; hogares mexicanos; inclusión financiera; tarjetas de crédito.;
    All these keywords.

    JEL classification:

    • C21 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Cross-Sectional Models; Spatial Models; Treatment Effect Models
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G20 - Financial Economics - - Financial Institutions and Services - - - General

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