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Acceso a servicios financieros en Colombia

Author

Listed:
  • Carlos Gustavo Cano
  • Maria del Pilar Esguerra Umaña
  • Nidia García
  • Leonardo Rueda
  • Andrés Mauricio Velasco Martínez

Abstract

El acceso a los servicios financieros constituye un derecho fundamental contemporáneo y un instrumento insustituible en la asignación de los recursos que permitan la acumulación de capital. Así las cosas, desde el ángulo del crecimiento y la igualdad, el alcance social de dicha herramienta resulta crucial para el desarrollo económico en términos de equidad y sostenibilidad. Por tal motivo, la exclusión financiera equivale a una forma de exclusión social. Lo cual justifica que con la más alta prioridad el Estado garantice a través del marco regulatorio el acceso a los servicios financieros de los segmentos más vulnerables de la población. En este trabajo, se discute la importancia de la definición de inclusión financiera en contraposición al concepto tradicional de bancarización; y se analizan las variables que determinan la inclusión financiera desde el punto de vista de la demanda, a través de la agregación de los servicios financieros.

Suggested Citation

  • Carlos Gustavo Cano & Maria del Pilar Esguerra Umaña & Nidia García & Leonardo Rueda & Andrés Mauricio Velasco Martínez, 2013. "Acceso a servicios financieros en Colombia," Borradores de Economia 776, Banco de la Republica de Colombia.
    • Handle: RePEc:bdr:borrec:776
    DOI: 10.32468/be.776
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    Cited by:

    1. Daisy Johana Pacheco & Ana María Yaruro, 2016. "Factores que afectan la tenencia de productos financieros en Colombia," Borradores de Economia 978, Banco de la Republica de Colombia.
    2. Ximena Pena & Carmen Hoyo & David Tuesta, 2014. "Determinants of financial inclusion in Mexico based on the 2012 National Financial Inclusion Survey (ENIF)," Working Papers 1415, BBVA Bank, Economic Research Department.

    More about this item

    Keywords

    Inclusión financiera; Capacidades financieras; Regulación en Colombia.;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D18 - Microeconomics - - Household Behavior - - - Consumer Protection
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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