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La naturaleza competitiva de la empresa banco-aseguradora/The Competitive Strategy of Bancassurance



    () (Departamento de Economía Aplicada.Universidad de Jaén.Paraje Las Lagunillas s/n, 23071. Jaén. Teléfonos: 953-012209, 953-012142. Fax: 953-012222)


    () (Departamento de Estadística e Investigación Operativa. Universidad de Jaén.Paraje Las Lagunillas s/n, 23071. Jaén. Teléfonos: 953-012209, 953-012142. Fax: 953-012222)


La literatura económica que se ha desarrollado bajo el campo de la Economía Industrial ha hecho acopio de diferentes teorías para proporcionar, desde diversos ángulos, respuestas que interpreten la naturaleza y la conducta de la empresa. El propósito de este trabajo es doble. En primer lugar, interpretar y justificar la aparición de un nuevo tipo de empresa cuya naturaleza corporativa y competitiva se explica a partir de la integración de dos instituciones financieras que en décadas pasadas han estado claramente delimitadas, nos referimos a la institución bancaria y aseguradora. En segundo lugar, desvelar empíricamente si la bancassurance constituye un enfoque competitivo diferente en el modo de realizar la actividad aseguradora. Traditionally, Industrial Economics has developed different theories to aproximate, following diverse approaches, organization and perfomance of the firm. The aim of this paper is twofold. First, we attempt to characterise and justify the existence of a new firm, whose corporate and competitive structures has been the result of integrated two financial institutions: a bank and an insurance company. Second, we analyse empirically whether the bancassurance represents new copetitive insurance business

Suggested Citation

  • Montijano Guardia, F. & Ruiz Fuentes, N., 2004. "La naturaleza competitiva de la empresa banco-aseguradora/The Competitive Strategy of Bancassurance," Estudios de Economía Aplicada, Estudios de Economía Aplicada, vol. 22, pages 377(20á)-37, Agosto.
  • Handle: RePEc:lrk:eeaart:22_2_16

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    References listed on IDEAS

    1. Alchian, Armen A & Demsetz, Harold, 1972. "Production , Information Costs, and Economic Organization," American Economic Review, American Economic Association, pages 777-795.
    2. Rachel E. Kranton & Deborah F. Minehart, 1999. "Vertical Integration: Networks, and Markets," Cowles Foundation Discussion Papers 1231, Cowles Foundation for Research in Economics, Yale University.
    3. Armen A. Alchian & Harold Demsetz, 1971. "Production, Information Costs and Economic Organizations," UCLA Economics Working Papers 10A, UCLA Department of Economics.
    4. Foss, Nicolai Juul, 1993. "Theories of the Firm: Contractual and Competence Perspectives," Journal of Evolutionary Economics, Springer, pages 127-144.
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    More about this item


    banca; seguros; bancassurance; naturaleza competitiva; modelo logit;

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • 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


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