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Inclusión financiera empresarial: evidencia con registros administrativos

Author

Listed:
  • Juan Guillermo VALDERRAMA
  • Federico MEDINA
  • Camilo PEÑA GÓMEZ
  • Freddy CASTRO
  • Daniela LONDOÑO

Abstract

Con el fin de complementar el diagnóstico de la inclusión financiera se explican los factores que inciden en el acceso a productos de depósito y crédito de las empresas registradas en las 57 cámaras de comercio de Colombia. Para ello se utilizan los registros de la central de información TransUnion y la base de datos del Registro Único Empresarial y Social (RUES). Los resultados sugieren que las firmas más grandes y antiguas tienen una mayor probabilidad de contar con productos financieros activos y aquellas que pertenecen a los sectores agropecuario y minero son las más rezagadas en términos de acceso y uso de servicios financieros. Asimismo, se destacan los depósitos electrónicos y los microcréditos como los productos más utilizados por las organizaciones que tienen menores niveles de acceso.

Suggested Citation

  • Juan Guillermo VALDERRAMA & Federico MEDINA & Camilo PEÑA GÓMEZ & Freddy CASTRO & Daniela LONDOÑO, 2021. "Inclusión financiera empresarial: evidencia con registros administrativos," Archivos de Economía 019066, Departamento Nacional de Planeación.
  • Handle: RePEc:col:000118:019066
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    Keywords

    formalidad empresarial; sistema financiero colombiano.;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • D21 - Microeconomics - - Production and Organizations - - - Firm Behavior: Theory
    • L2 - Industrial Organization - - Firm Objectives, Organization, and Behavior

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