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Regulación de comisiones en cajeros automáticos. Análisis de la reforma: caso México. El caso de bancos con redes de distinto tamaño

Author

Listed:
  • Pedro Isidoro González Ramírez.

    (Facultad de Economía, Universidad Autónoma de San Luis Potosí, México.)

  • Juan Carlos Neri Guzmán

    (Universidad Politécnica de San Luis Potosí, México.)

Abstract

Partiendo de un escenario asimétrico en el tamaño de red, se analizan los efectos de la regulación establecida por el Banco de México en 2010 en comisiones por transacciones interbancarias en cajeros automáticos. Se estudia el efecto de la regulación sobre aquellos bancos con redes de cajeros pequeños y por lo tanto con mayores proporciones de retiros de clientes propios en cajeros ajenos. Se observa que las comisiones por transacciones interbancarias se mantienen relativamente sin cambios. Los resultados revelan que la regulación aumenta los precios por apertura de cuenta, al prohibir el cobro por transacciones a usuarios propios en cajeros propios. Finalmente, el aumento de precios por apertura de cuenta es menor para el banco con menos cajeros instalados, por lo que la regulación favorece a los bancos pequeños.

Suggested Citation

  • Pedro Isidoro González Ramírez. & Juan Carlos Neri Guzmán, 2017. "Regulación de comisiones en cajeros automáticos. Análisis de la reforma: caso México. El caso de bancos con redes de distinto tamaño," Economía: teoría y práctica, Universidad Autónoma Metropolitana, México, vol. 47(2), pages 167-190, Julio-Dic.
    • Handle: RePEc:ety:journl:v:47:y:2017:i:2:p:167-190
    DOI: 10.24275/ETYPUAM/NE/472017/Gonzalez
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    More about this item

    Keywords

    Cajeros automáticos; cuotas de intercambio; comisión por uso de cajero ajeno; cuota de sobrecargo; cobro directo;
    All these keywords.

    JEL classification:

    • D40 - Microeconomics - - Market Structure, Pricing, and Design - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L51 - Industrial Organization - - Regulation and Industrial Policy - - - Economics of Regulation

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