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Determinantes del número de relaciones bancarias en Colombia

  • Inés Paola Orozco


  • Jose E. Gómez González


  • Jose Piñeros


  • Jose Vicente Romero


En este documento se realiza una exploración inicial sobre los determinantes del número de relaciones bancarias del sector corporativo privado de Colombia. Siguiendo otros estudios similares que se han realizado para distintos países, se utilizan modelos de datos de cuenta y se estima un modelo de regresión Poisson y un modelo de regresión Binomial Negativo para hallar los determinantes de la variable de interés. Encontramos que los datos presentan sobredispersión, razón por la cual el modelo de regresión Binomial Negativo es más adecuado que el modelo de regresión Poisson en este contexto. Dentro de este ejercicio se encuentra que las variables de liquidez, tamaño de la firma, composición de la deuda, eficiencia, la tasa activa real y la tasa de crecimiento del PIB, resultan ser importantes en la determinación del número de relaciones bancarias. El hecho que las relaciones bancarias sean afectadas por la actividad económica podría sugerir que durante los tiempos de desaceleración económica las empresas buscan fuentes alternativas de financiamiento.

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Paper provided by Banco de la Republica de Colombia in its series Borradores de Economia with number 577.

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Handle: RePEc:bdr:borrec:577
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  1. Bolton, Patrick & Scharfstein, David S, 1996. "Optimal Debt Structure and the Number of Creditors," Journal of Political Economy, University of Chicago Press, vol. 104(1), pages 1-25, February.
  2. Fama, Eugene F., 1985. "What's different about banks?," Journal of Monetary Economics, Elsevier, vol. 15(1), pages 29-39, January.
  3. Kashyap, Anil K & Stein, Jeremy C & Wilcox, David W, 1993. "Monetary Policy and Credit Conditions: Evidence from the Composition of External Finance," American Economic Review, American Economic Association, vol. 83(1), pages 78-98, March.
  4. Ivo Welch & Arturo Bris, 2001. "The Optimal Concentration of Creditors," Yale School of Management Working Papers ysm248, Yale School of Management, revised 01 Apr 2004.
  5. Boot, Arnoud W. A., 2000. "Relationship Banking: What Do We Know?," Journal of Financial Intermediation, Elsevier, vol. 9(1), pages 7-25, January.
  6. Elsas, Ralf, 2005. "Empirical determinants of relationship lending," Journal of Financial Intermediation, Elsevier, vol. 14(1), pages 32-57, January.
  7. Enrica Detragiache & Paolo Garella & Luigi Guiso, 2000. "Multiple versus Single Banking Relationships: Theory and Evidence," Journal of Finance, American Finance Association, vol. 55(3), pages 1133-1161, 06.
  8. Elsas, Ralf & Krahnen, Jan Pieter, 1998. "Is relationship lending special? Evidence from credit-file data in Germany," CFS Working Paper Series 1998/05, Center for Financial Studies (CFS).
  9. Smith, Vernon L, 1976. "The Borrower-Lender Relationship," American Economic Review, American Economic Association, vol. 66(3), pages 406-07, June.
  10. Carlos A. Huertas & Munir Jalil & Sergio Olarte & José Vicente Romero, . "Algunas consideraciones sobre el canal del crédito y la transmisión de tasas de interés en Colombia," Borradores de Economia 351, Banco de la Republica de Colombia.
  11. Jun Qian & Philip E. Strahan, 2007. "How Laws and Institutions Shape Financial Contracts: The Case of Bank Loans," Journal of Finance, American Finance Association, vol. 62(6), pages 2803-2834, December.
  12. Degryse, Hans & Kim, Moshe & Ongena, Steven, 2009. "Microeconometrics of Banking Methods, Applications, and Results," OUP Catalogue, Oxford University Press, number 9780195340471.
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