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La demanda de crédito a nivel de personas: RCC conoce a ENAHO

Author

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  • Céspedes Reynaga, Nikita

    (Banco Central de Reserva del Perú)

Abstract

En este documento se estudia la demanda de crédito a nivel de personas en Perú. Se emplea una base de datos única que resulta de la fusión entre datos administrativos de los créditos bancarios incluidos en el Registro Consolidado de Créditos (RCC) y la Encuesta Nacional de Hogares (ENAHO). Los datos permiten identificar de manera ideal el monto del crédito y la tasa de interés así como las características de la oferta y demanda de cada crédito otorgado en el sistema bancario peruano. La elasticidad de la demanda de crédito respecto a la tasa de interés es aproximadamente -0,29, este valor implica que un incremento de 1% en la tasa de interés de mercado hace que la demanda de crédito sea menor en 0,29 %. Esta elasticidad es ligeramente inferior a la evidencia internacional y es heterogénea según el tipo de crédito, según la moneda en la cual se otorga el crédito y según el nivel de ingreso y la educación de las personas que acceden al crédito.

Suggested Citation

  • Céspedes Reynaga, Nikita, 2017. "La demanda de crédito a nivel de personas: RCC conoce a ENAHO," Working Papers 2017-009, Banco Central de Reserva del Perú.
    • Handle: RePEc:rbp:wpaper:2017-009
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    JEL classification:

    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • E52 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Monetary Policy

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