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Metodologia de estimación del numero de clientes del Sistema Bancario en Mexico

Author

Listed:
  • Beatriz Irene Balmaseda Perez
  • Lizbeth Necoechea

Abstract

Los clientes del sistema bancario mexicano son aquellos que tienen al menos una cuenta de ahorro o credito, en alguno de los bancos del pais. Con el fin de evaluar el avance de bancarizacion y establecer metas de inclusion financiera, este documento propone un metodo para calcular el numero de usuarios con tenencia de productos de captacion y/o credito en alguna de las instituciones bancarias. Al no haber cifras publicadas del numero de clientes de cada banco, por parte de las autoridades o de las propias instituciones bancarias; la metodologia que se presenta es el resultado de hacer uso del numero de cuentas, saldos de captacion y saldos de credito que las instituciones financieras reportan. En la medida en que no se cuente con informacion precisa de cuantos usuarios hay en cada banco y el numero de ellos que pertenecen a dos o mas bancos, existe la posibilidad de aplicar la metodologia que se describe en este documento de trabajo, la cual se basa en teoria de conjuntos, conceptos de curvas de nivel y calculo de probabilidades.

Suggested Citation

  • Beatriz Irene Balmaseda Perez & Lizbeth Necoechea, 2012. "Metodologia de estimación del numero de clientes del Sistema Bancario en Mexico," Working Papers 1224, BBVA Bank, Economic Research Department.
  • Handle: RePEc:bbv:wpaper:1224
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    More about this item

    Keywords

    clientes multi-producto; bancos; teoria de conjuntos; curvas de n ivel;

    JEL classification:

    • C02 - Mathematical and Quantitative Methods - - General - - - Mathematical Economics
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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