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Radiografía del costo del crédito en el Perú

Author

Listed:
  • Choy, Marylin
  • Costa, Eduardo
  • Churata, Eloy

Abstract

El presente estudio analiza la evolución de los componentes de las tasas de interés en el periodo 2010-2014, a fin de explicar la disparidad de las tasas de interés activas entre segmentos en el mercado de crédito peruano y los niveles de esas tasas con relación a las tasas de interés de los depósitos. Se concluye que los costos operativos y el riesgo de crédito son los principales factores que explican el nivel y la disparidad de las tasas. Asimismo, se encuentra que la competencia ha implicado que las entidades financieras sean operativamente más eficientes en todos los segmentos. En los segmentos de pequeñas y micro empresas como el de consumo la competencia es entre las entidades financieras, a diferencia del segmento de empresas mayoristas, en el cual la competencia proviene también del mercado de capitales. Finalmente el análisis indica que las tasas de interés de los créditos en soles son mayores que las de los créditos en dólares. Esta diferencia obedece a que los créditos en dólares están concentrados en los deudores de menor riesgo de cada segmento.

Suggested Citation

  • Choy, Marylin & Costa, Eduardo & Churata, Eloy, 2015. "Radiografía del costo del crédito en el Perú," Revista Estudios Económicos, Banco Central de Reserva del Perú, issue 30, pages 25-55.
    • Handle: RePEc:rbp:esteco:ree-30-02
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    References listed on IDEAS

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    Cited by:

    1. Walter Cuba & Eduardo Diaz, 2023. "Effect of caps on interest rates in Peru," IHEID Working Papers 02-2023, Economics Section, The Graduate Institute of International Studies.
    2. World Bank, 2015. "Peru Building on Success," World Bank Publications - Reports 22984, The World Bank Group.

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    More about this item

    JEL classification:

    • G14 - Financial Economics - - General Financial Markets - - - Information and Market Efficiency; Event Studies; Insider Trading
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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