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Los efectos del crédito bancario otorgado a la industria y al consumo en el crecimiento económico: evidencia de México, 1994-2017

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  • David Salvador Cisneros Zepeda

    (Universidad Autónoma de Sinaloa, México)

Abstract

Este artículo analiza empíricamente la relación entre el crédito bancario otorgado a la industria y al consumo y el crecimiento económico en México, utilizando como método un análisis de regresión, para medir los efectos a largo plazo; además, se implementó una variable dicotómica, para observar la existencia de posibles cambios en la relación entre las variables con la ocurrencia de la crisis financiera del 2008. Se encontró que, a pesar de ser un país con un sistema financiero poco eficiente, existe una relación positiva con el crecimiento económico en el largo plazo; asimismo, la relación entre el PIB y el crédito bancario otorgado a la industria, denota un cambio tras la crisis financiera del 2008, donde el segundo dejó de tener efectos positivos sobre el crecimiento económico. Los obstáculos del estudio se deben a que las bases de datos sobre crédito bancario dejaron de actualizarse en INEGI. Sin duda, el papel de banca sobre el crecimiento aún es importante para México, y se debe pensar en mejores regulaciones sobre la implementación del crédito para la industria.

Suggested Citation

  • David Salvador Cisneros Zepeda, 2022. "Los efectos del crédito bancario otorgado a la industria y al consumo en el crecimiento económico: evidencia de México, 1994-2017," 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(2), pages 1-25, Abril - J.
    • Handle: RePEc:imx:journl:v:17:y:2022:i:2:a:8
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    File URL: https://www.remef.org.mx/index.php/remef/article/view/560
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    References listed on IDEAS

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    More about this item

    Keywords

    Crédito Bancario; Industria; Crecimiento Económico; PIB; Consumo; Largo Plazo; Exportaciones; Importaciones de Bienes de Capital; Series de Tiempo;
    All these keywords.

    JEL classification:

    • E00 - Macroeconomics and Monetary Economics - - General - - - General
    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • F41 - International Economics - - Macroeconomic Aspects of International Trade and Finance - - - Open Economy Macroeconomics
    • F43 - International Economics - - Macroeconomic Aspects of International Trade and Finance - - - Economic Growth of Open Economies
    • G20 - Financial Economics - - Financial Institutions and Services - - - General

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