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Determinantes de la dinámica de la cuota de manejo de las tarjetas de crédito en Colombia: el caso de la franquicia VISA

Author

Listed:
  • Dennis Sánchez Navarro
  • Juan Pablo Herrera Saavedra
  • Aura María García Pabón
  • Jacobo Campo Robledo
  • jcampo@sic.gov.co

Abstract

El presente documento realiza una aproximación al estudio de los determinantes de la cuota de manejo, como una variable decisiva en el uso de la tarjeta de crédito. Se estima un modelo econométrico dinámico a través de un panel de datos estimado por el MGM en donde la cuota de manejo está explicada por variables del tamano de la entidad financiera, variables sobre el uso de las tarjetas y la tasa de interés. La base de datos utilizada está confirmada por 17 bancos durante el periodo comprendido entre enero de 2009 y junio de 2013, con frecuencia trimestral. Los resultados indican que las variables reflejan el comportamiento sugerido por la teoría económica y ayudan a evidenciar la dinámica del precio de las tarjetas de crédito en Colombia.

Suggested Citation

  • Dennis Sánchez Navarro & Juan Pablo Herrera Saavedra & Aura María García Pabón & Jacobo Campo Robledo & jcampo@sic.gov.co, 2016. "Determinantes de la dinámica de la cuota de manejo de las tarjetas de crédito en Colombia: el caso de la franquicia VISA," Estudios Económicos SIC 17719, Superintendencia de Industria y Comercio.
    • Handle: RePEc:col:000458:017719
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    File URL: https://www.sic.gov.co/sites/default/files/files/Proteccion_Competencia/Estudios_Economicos/DT022_%20Aproximaci%C3%B3n%20emp%C3%ADrica%20tarjetas%20de%20cr%C3%A9dito-VISA%20%20VF.pdf
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    More about this item

    Keywords

    tarjetas de crédito; panel dinámico; MGM; sistema financiero; Colombia.;
    All these keywords.

    JEL classification:

    • C23 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Models with Panel Data; Spatio-temporal Models
    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • G10 - Financial Economics - - General Financial Markets - - - General (includes Measurement and Data)
    • G20 - Financial Economics - - Financial Institutions and Services - - - General

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