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Ciclos crediticios, riesgo de crédito y provisiones contracíclicas

In: Política monetaria y estabilidad financiera en economías pequeñas y abiertas

Author

Listed:
  • López-Piñeros, Martha Rosalba
  • Tenjo, Fernando
  • Zárate-Solano, Hector Manuel

Abstract

Se analiza el crédito en Colombia, concluyendo que cuando la competencia se eleva los bancos alteran las políticas de crédito para reportar ingresos más altos que los de los otros bancos, lo cual hace que surjan fallas de coordinación y los bancos incrementen el riesgo crediticio y por lo tanto deben introducir provisiones para el riesgo crediticio.

Suggested Citation

  • López-Piñeros, Martha Rosalba & Tenjo, Fernando & Zárate-Solano, Hector Manuel, 2015. "Ciclos crediticios, riesgo de crédito y provisiones contracíclicas," Chapters,in: Gómez-González, José Eduardo & Ojeda-Joya, Jair N. (ed.), Política monetaria y estabilidad financiera en economías pequeñas y abiertas, chapter 3, pages 71-89 Banco de la Republica de Colombia.
  • Handle: RePEc:bdr:bdrcap:2015-11-71-89
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    Keywords

    Bancos; Modelos; Ciclos; Finanzas; Colombia; Banks; Models; Cycles; Finances; Colombia;

    JEL classification:

    • E50 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - General
    • B22 - Schools of Economic Thought and Methodology - - History of Economic Thought since 1925 - - - Macroeconomics

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