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Concentración bancaria y margen de las tasas de interés en Perú

  • Espino, Freddy
  • Carrera, César

En este trabajo se mide el efecto de la Concentración Bancaria sobre el margen de las tasas de interés en el sistema bancario peruano durante el periodo 1995 - 2004, mediante un modelo de datos de panel lineales no balanceado, considerando los problemas de autocorrelación (Baltagi y Wu 1999), bajo el paradigma Estructura - Conducta - Resultado. Encontramos que existe una relación directa y estadísticamente significativa, no obstante la magnitud del efecto no es considerable. Distinguiendo por tipo de moneda, hallamos que el efecto se mantiene para el caso del margen de las tasas de interés en moneda extranjera, pero no para el caso de moneda nacional, lo cual indicaría que hay mayor competencia en este último caso.

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File URL: http://www.bcrp.gob.pe/docs/Publicaciones/Revista-Estudios-Economicos/13/Estudios-Economicos-13-4.pdf
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Article provided by Banco Central de Reserva del Perú in its journal Revista Estudios Económicos.

Volume (Year): (2006)
Issue (Month): 13 ()
Pages:

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Handle: RePEc:rbp:esteco:ree-13-04
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  1. Asli Demirgüç-Kunt & Luc Laeven & Ross Levine, 2004. "Regulations, market structure, institutions, and the cost of financial intermediation," Proceedings, Federal Reserve Bank of Cleveland, pages 593-626.
  2. Jonathan A. Neuberger & Gary C. Zimmerman, 1990. "Bank pricing of retail deposit accounts and "the California rate mystery"," Economic Review, Federal Reserve Bank of San Francisco, issue Spr, pages 3-16.
  3. Baumol, William J, 1982. "Contestable Markets: An Uprising in the Theory of Industry Structure," American Economic Review, American Economic Association, vol. 72(1), pages 1-15, March.
  4. Corvoisier, Sandrine & Gropp, Reint, 2001. "Bank Concentration and Retail Interest Rates," Working Paper Series 0072, European Central Bank.
  5. Berger, Allen N & Hannan, Timothy H, 1989. "The Price-Concentration Relationship in Banking," The Review of Economics and Statistics, MIT Press, vol. 71(2), pages 291-99, May.
  6. Nicola Cetorelli & Paolo Angelini, 1999. "Bank competition and regulatory reform: the case of the Italian banking industry," Working Paper Series WP-99-32, Federal Reserve Bank of Chicago.
  7. Sam Peltzman, 1977. "The Gains and Losses From Industrial Concentration," NBER Working Papers 0163, National Bureau of Economic Research, Inc.
  8. David Neumark & Steven A. Sharpe, 1989. "Market structure and the nature of price rigidity: evidence from the market for consumer deposits," Finance and Economics Discussion Series 52, Board of Governors of the Federal Reserve System (U.S.).
  9. Yeyati, Eduardo Levy & Micco, Alejandro, 2007. "Concentration and foreign penetration in Latin American banking sectors: Impact on competition and risk," Journal of Banking & Finance, Elsevier, vol. 31(6), pages 1633-1647, June.
  10. Stijn Claessens & Luc Laeven, 2004. "What drives bank competition? Some international evidence," Proceedings, Federal Reserve Bank of Cleveland, pages 563-592.
  11. Xavier Vives, 2001. "Oligopoly Pricing: Old Ideas and New Tools," MIT Press Books, The MIT Press, edition 1, volume 1, number 026272040x, June.
  12. Baltagi, Badi H. & Wu, Ping X., 1999. "Unequally Spaced Panel Data Regressions With Ar(1) Disturbances," Econometric Theory, Cambridge University Press, vol. 15(06), pages 814-823, December.
  13. Ross Levine, 2000. "Bank Concentration: Chile and International Comparisons," Working Papers Central Bank of Chile 62, Central Bank of Chile.
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