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La relación entre competencia bancaria y estabilidad financiera: un estudio de caso de la industria bancaria mexicana

Author

Listed:
  • Raúl Osvaldo Fernández

    (Banco de México)

  • Jesús G. Garza-García

    (Itaú BBA)

Abstract

Este artículo analiza las hipótesis de competencia-fragilidad y competencia-estabilidad en el sistema bancario mexicano, para el periodo 2001-2008. Para medir el nivel de competencia, se emplea el índice de Lerner y el índice-Z, así como la razón de créditos morosos entre créditos totales como proxies de estabilidad financiera y riesgo de portafolio, respectivamente. Los resultados indican que existen argumentos para sustentar ambos modelos. Sin embargo, los beneficios de un mayor nivel de estabilidad financiera en el sistema tienen más peso que el incremento en los riesgos de portafolio.

Suggested Citation

  • Raúl Osvaldo Fernández & Jesús G. Garza-García, 2015. "La relación entre competencia bancaria y estabilidad financiera: un estudio de caso de la industria bancaria mexicana," Ensayos Revista de Economía, Universidad Autónoma de Nuevo León, vol. 34(1), pages 103-120, May.
    • Handle: RePEc:ere:journl:v:34:y:2015:i:1:id:23
    DOI: 10.29105/ensayos34.1-4
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