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O todo e as partes: uma análise da desigualdade de crédito entre os estados brasileiros e os determinantes do crédito bancário com a aplicação de dados em painel

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  • Vasconcelos, Marcos Roberto
  • Fucidji, José Ricardo
  • Scorzafave, Luiz Guilherme
  • Assis, Dannyel Lopes de

Abstract

This paper deals with the distribution of banking credit and branchs by Brazilian states between 1994 and 2002. Besides the report of the major changes in the National Financial System at that period, it shows also some figures of concentration and dynamics of state-level banking credit and, with finer statistical tools, some inferences of the determinants of banking credit in Brazil, based upon Panel Data Analysis. The main results point out to significant credit concentration in the Southeast region (especially São Paulo) and, as its major determinant, the change in the shares control of banks with sharp regional presence ? deriving of mergers and acquisitions in the sector along this period. That control changing have had as its corollary the transfer of strategical decisions ? viz. credit-related decisions ?, concentrating them in the Southeast. Against our expectations at the beginning of the paper, the privatization of state-owned banks did not show important effects on the level of banking credit.

Suggested Citation

  • Vasconcelos, Marcos Roberto & Fucidji, José Ricardo & Scorzafave, Luiz Guilherme & Assis, Dannyel Lopes de, 2004. "O todo e as partes: uma análise da desigualdade de crédito entre os estados brasileiros e os determinantes do crédito bancário com a aplicação de dados em painel," Revista Economia e Sociedade, Instituto de Economia, Universidade Estadual de Campinas (UNICAMP), vol. 22, pages 1-27, January.
    • Handle: RePEc:euc:ancoec:v:22:y:2004:p:123-149
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    Keywords

    Banking competition; Banking credit; Regional economics; Regional economic inequalities.;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G34 - Financial Economics - - Corporate Finance and Governance - - - Mergers; Acquisitions; Restructuring; Corporate Governance
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • R12 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - Size and Spatial Distributions of Regional Economic Activity; Interregional Trade (economic geography)

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