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Efectos de la politica monetaria en las decisiones de credito al consumo

Author

Listed:
  • Abigail Rodriguez Nava

    () (Universidad Autonoma Metropolitana)

  • Francisco Venegas Martinez

Abstract

En esta investigacion se propone un modelo cuyo proposito es mostrar los efectos de politica monetaria en las decisiones de credito bancario para consumo. Las hipotesis esenciales son: 1) la autoridad monetaria incide en la composicion del balance bancario mediante el control de la tasa de interes; 2) la oferta de credito es independiente de los depositos. Entre los resultados principales se encuentran: 1) la utilizacion de la tasa de interes como instrumento de politica monetaria influye indirectamente sobre las posibilidades de gasto de los consumidores, porque los bancos comerciales son forzados a modificar la composicion de sus activos y pasivos en respuesta a las decisiones del banco central; 2) la demanda de activos y pasivos de los agentes depende esencialmente de la rentabilidad, riesgo y correlacion entre los titulos. Por ultimo, el modelo propuesto se calibra para medir los efectos de la politica monetaria sobre las decisiones de los agentes.

Suggested Citation

  • Abigail Rodriguez Nava & Francisco Venegas Martinez, 2015. "Efectos de la politica monetaria en las decisiones de credito al consumo," EconoQuantum, Revista de Economia y Negocios, Universidad de Guadalajara, Centro Universitario de Ciencias Economico Administrativas, Departamento de Metodos Cuantitativos y Maestria en Economia., vol. 12(2), pages 47-69, Julio-Dic.
  • Handle: RePEc:qua:journl:v:12:y:2015:i:2:p:47-69
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    More about this item

    Keywords

    Politica monetaria; bancos comerciales; consumidores; gasto; tasa de interes.;

    JEL classification:

    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • E52 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Monetary Policy
    • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies

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