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Analisis del uso de servicios financieros por parte de las empresas en Mexico. Que nos dice el Censo Economico 2009

Author

Listed:
  • F. Javier Morales
  • Sara G. Castellanos
  • Mariana A. Toran

Abstract

Investigamos la tasa de adopcion de las tarjetas de pago considerando el conocimiento de consumidores y comerciantes acerca de las externalidades de red, usando dos niveles de cuotas de intercambio (interchange fees) en un mercado de tarjetas de multi-agente. A efectos de nuestro estudio, en diversas instancias (escenarios) del modelo se analizan los efectos investigados durante todo el proceso de adopcion, hasta alcanzarse el punto de saturacion del mercado. A continuacion, en cada escenario se comparan dos niveles diferentes de cuotas de intercambio y un grado diferente de conocimiento de consumidores y comerciantes. Para ello, hemos modelado explicitamente las interacciones entre consumidores y comerciantes en el punto de venta. En el modelo, los emisores de tarjetas pueden cobrar a los consumidores comisiones fijas y ofrecer beneficios netos por el uso de las tarjetas, mientras que los adquirientes pueden cobrar tasas fijas y por transaccion a los comercios. Las cuotas de intercambio fluyen de los adquirientes hacia los emisores. No obstante, reconocemos que el punto de saturacion del mercado no solamente esta determinado por las externalidades de la red y por el nivel de las cuotas de intercambio, sino tambien por factores macroeconomicos que no se analizan en esta fase de la investigacion.

Suggested Citation

  • F. Javier Morales & Sara G. Castellanos & Mariana A. Toran, 2012. "Analisis del uso de servicios financieros por parte de las empresas en Mexico. Que nos dice el Censo Economico 2009," Working Papers 1215, BBVA Bank, Economic Research Department.
  • Handle: RePEc:bbv:wpaper:1215
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    References listed on IDEAS

    as
    1. Bruhn, Miriam, 2013. "A tale of two species: Revisiting the effect of registration reform on informal business owners in Mexico," Journal of Development Economics, Elsevier, pages 275-283.
    2. Bruhn, Miriam, 2013. "A tale of two species: Revisiting the effect of registration reform on informal business owners in Mexico," Journal of Development Economics, Elsevier, pages 275-283.
    3. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, pages 393-410.
    Full references (including those not matched with items on IDEAS)

    Citations

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    Cited by:

    1. Angel de la Fuente, 2013. "La evolución de la financiación de las comunidades autónomas de régimen común, 2002-2011," UFAE and IAE Working Papers 937.13, Unitat de Fonaments de l'Anàlisi Econòmica (UAB) and Institut d'Anàlisi Econòmica (CSIC).
    2. de la Fuente, Ángel, 2015. "Algunas Propuestas para la Reforma del sistema de Financiación de las Comunidades Autónomas de Régimen Común," QM&ET Working Papers 15-1, University of Alicante, D. Quantitative Methods and Economic Theory.
    3. Angel De la Fuente, 2009. "A Mixed Splicing Procedure for Economic Time Series," CESifo Working Paper Series 2876, CESifo Group Munich.
    4. Angel de la Fuente & Rafael Domènech, 2012. "Educational Attainment in the OECD, 1960-2010," Working Papers 658, Barcelona Graduate School of Economics.
    5. Ángel de la Fuente, 2012. "El sistema de financiación regional: la liquidación de 2010 y algunas reflexiones sobre la reciente reforma," Hacienda Pública Española, IEF, pages 121-138.
    6. Rafael Domenech, 2012. "Las perspectivas de la economia espanola en 2012," Working Papers 1217, BBVA Bank, Economic Research Department.
    7. Ángel de la Fuente, 2013. "Las finanzas autonómicas en boom y en crisis (2003-12)," Hacienda Pública Española, IEF, vol. 205(2), pages 127-150, June.
    8. Angel De la Fuente, 2013. "La financiacion de las comunidades autonomas de regimen comun en 2011," Working Papers 1330, BBVA Bank, Economic Research Department.
    9. Javier Alonso & Maria Lamuedra & David Tuesta, 2013. "Potentiality of reverse mortgages to supplement pension: the case of Chile," Working Papers 1311, BBVA Bank, Economic Research Department.
    10. Amparo Castello Climent & Rafael Domenech, 2014. "Capital and Income Inequality: Some Facts and Some Puzzles (Update of WP 12/28 published in October 2012)," Working Papers 1228, BBVA Bank, Economic Research Department.
    11. Luis J. Carranza & Angel Melguizo & David Tuesta, 2012. "Aportaciones compartidas para pensiones en Colombia, Mexico y Peru: Experiencias y perspectivas," Working Papers 1234, BBVA Bank, Economic Research Department.
    12. Angel De la Fuente, 2012. "Algunas propuestas para la reforma del sistema de financiacion de las comunidades autonomas de regimen comun," Working Papers 1227, BBVA Bank, Economic Research Department.
    13. Angel De la Fuente, 2012. "Series enlazadas de empleo y VAB para Espana, 1955-2010," Working Papers 1225, BBVA Bank, Economic Research Department.
    14. Angel De la Fuente, 2012. "Series enlazadas de los principales agregados nacionales de la EPA, 1964-2009," Working Papers 1221, BBVA Bank, Economic Research Department.
    15. Angel De la Fuente, 2013. "La evolucion de la financiacion de las comunidades autonomas de regimen comun, 2002-2010," Working Papers 1310, BBVA Bank, Economic Research Department.
    16. repec:bbv:wpaper:1223 is not listed on IDEAS

    More about this item

    Keywords

    México; credito bancario a empresas; uso de cuentas bancarias entre empresas; micro; pequenas y medianas empresas; racionamiento voluntario e involuntario en mercados financieros;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements

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