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Créditos al consumo tras la crisis: el boom del consumer finance en Argentina

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  • D'Onofrio, Federico

Abstract

El nivel de crédito en la economía argentina más que se duplicó en los últimos cinco años, de 56,2 millones de pesos en 2003 paso a 123,4 millones de pesos en 2007. Durante dicho proceso de recuperación se destaco el crecimiento de los créditos destinados a financiar consumo a través de Préstamos Personales y Tarjetas de Crédito, que incrementaron su participación en el total de créditos desde el 9% a cerca del 30%. Mientras que en la década previa a la crisis de 2001 este tipo de créditos estaban orientados principalmente hacia los sectores de la población de nivel socioeconómico medio/alto, durante este último proceso de crecimiento se evidenció un desvío hacia las clases medias bajas y bajas de la población. Este mercado, destinado principalmente a brindar facilidades crediticias a los sectores sociales de menores recursos se denomina "Consumer Finance". El objetivo principal de este trabajo consiste en establecer el vínculo entre el desarrollo del mercado de "Consumer Finance" en el período 2003 y 2007; y los cambios en la estructura socio-económica argentina que tuvieron lugar consecuencia de la crisis de 2001. Adicionalmente se presentaran los resultados de un estudio de campo tendiente a identificar las estrategias comerciales aplicadas por las entidades financieras para aprovechar la potencialidad de negocios en la base de la pirámide social. La importancia de este trabajo radica en su aporte para comprender cómo la masificación de facilidades crediticias destinadas a financiar a los sectores de menores ingresos, ayudaron a recomponer el poder adquisitivo, al tiempo que impulsaron el consumo, uno de principales motores de la reactivación económica Argentina en los últimos cinco años.

Suggested Citation

  • D'Onofrio, Federico, 2008. "Créditos al consumo tras la crisis: el boom del consumer finance en Argentina," Nülan. Deposited Documents 634, Universidad Nacional de Mar del Plata, Facultad de Ciencias Económicas y Sociales, Centro de Documentación.
    • Handle: RePEc:nmp:nuland:634
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    References listed on IDEAS

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    1. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 71(3), pages 393-410, June.
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