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

  • Beatriz Irene Balmaseda Perez
  • Lizbeth Necoechea
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    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.

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    File URL: http://www.bbvaresearch.com/wp-content/uploads/migrados/WP_1224_Mexico_tcm346-361431.pdf
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    Paper provided by BBVA Bank, Economic Research Department in its series Working Papers with number 1224.

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    Length: 22 pages
    Date of creation: Nov 2012
    Date of revision:
    Handle: RePEc:bbv:wpaper:1224
    Contact details of provider: Web page: https://www.bbvaresearch.com/

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