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Análisis del Endeudamiento de los Hogares Colombianos

Author

Listed:
  • Mario alejandro González

  • John Jairo León

Abstract

Este documento analiza los determinantes del endeudamiento de los hogares en Colombia en los últimos 14 años. A partir de un modelo simple de elecci´on y con base en los datos de las Cuentas Financieras del Banco de la Rep´ublica y de la muestra aleatoria codificada de los renglones de las declaraciones correspondientes a los contribuyentes personas naturales declarantes del impuesto sobre la renta para los períodos gravables 1993 a 2004, se determinan las principales variables que afectan la decisión de endeudamiento. Los resultados sugieren que el colateral, los niveles de deuda anterior y la carga financiera son los determinantes del endeudamiento de los hogares en Colombia y, por lo tanto, las acciones de política deben enfocarse en vigilar el patrimonio de los hogares y la dinámica de la tasa de interés para evitar una crisis de repudio similar a aquella de 1999.

Suggested Citation

  • Mario alejandro González & John Jairo León, 2007. "Análisis del Endeudamiento de los Hogares Colombianos," Borradores de Economia 452, Banco de la Republica de Colombia.
    • Handle: RePEc:bdr:borrec:452
    DOI: 10.32468/be.452
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    JEL classification:

    • C22 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Time-Series Models; Dynamic Quantile Regressions; Dynamic Treatment Effect Models; Diffusion Processes
    • D13 - Microeconomics - - Household Behavior - - - Household Production and Intrahouse Allocation
    • D31 - Microeconomics - - Distribution - - - Personal Income and Wealth Distribution

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