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Competencia y concentración en el sistema financiero en el Perú

Author

Listed:
  • Eduardo Morón

    (Universidad del Pacífico)

  • Johanna Tejada

    (Universidad del Pacífico)

  • Alonso Villacorta

    (Universidad del Pacífico)

Abstract

La mirada convencional de los no especialistas es que la alta concentración en un mercado implica necesariamente falta de competencia, por ello se demanda medidas para evitar la alta concentración. La teoría económica sugiere muchas razones para que este vínculo no exista. En este documento analizamos 7 productos bancarios en el Perú y mostramos, a través de la estimación econométrica de un modelo de demanda residual corregido por la calidad del producto que ofrece cada institución financiera, que en efecto la alta concentración no implica falta de competencia. Por el contrario, los datos sugieren que en la mayoría de los mercados la competencia aumentó.

Suggested Citation

  • Eduardo Morón & Johanna Tejada & Alonso Villacorta, 2010. "Competencia y concentración en el sistema financiero en el Perú," Working Papers 10-03, Centro de Investigación, Universidad del Pacífico.
  • Handle: RePEc:pai:wpaper:10-03
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