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Formacion de capital humano, mercados de credito incompletos y subdesarrollo

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  • Ruben Chavarin Rodriguez

    () (Universidad de Guadalajara)

Abstract

Las restricciones de credito que caracterizan los procesos de formacion de capital humano en diversos paises estan ligadas a la desigualdad en el ingreso y al subdesarrollo. Un modelo representativo de estas interrelaciones es el de Ljungqvist (2001), el cual expone que la imposibilidad de acceder a creditos educativos, debido a la falta de colateral, provoca la desaparicion del mercado de creditos para sectores de la poblacion con bajos ingresos. La intervencion adecuada del gobierno puede completar los mercados y mejorar la asignacion de recursos. Diversos estudios coinciden en que los esfuerzos de intervencion gubernamental deben enfocarse en la modificacion de las causas que originan las distorsiones del mercado y en la generacion de incentivos. Este documento presenta una revision de cierta literatura relevante sobre estos temas y la articula con una exposicion simplificada del modelo de Ljungqvist.

Suggested Citation

  • Ruben Chavarin Rodriguez, 2006. "Formacion de capital humano, mercados de credito incompletos y subdesarrollo," EconoQuantum, Revista de Economia y Negocios, Universidad de Guadalajara, Centro Universitario de Ciencias Economico Administrativas, Departamento de Metodos Cuantitativos y Maestria en Economia., vol. 3(1), pages 91-107, Julio - D.
  • Handle: RePEc:qua:journl:v:3:y:2006:i:1:p:91-107
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