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El mercado de crédito comercial y las restricciones de endeudamiento en Colombia

Author

Listed:
  • Adriana María Corredor-Waldron
  • David Pérez-Reyna

Abstract

En este trabajo se estudian los determinantes de la oferta y demanda de la cartera comercial en Colombia, tanto a nivel macroeconómico como usando información por empresas, por medio de un modelo de desequilibrio que permite analizar posibles restricciones de crédito. Para esto se usa información a nivel de firma de desembolsos de crédito, al igual que otras variables del balance y del estado de resultados, disponibles desde 1998 hasta 2008. Las estimaciones indican que el nivel de actividad de las empresas tiene una relación positiva con la demanda de crédito, y que el valor del colateral y la percepción de riesgo que se tenga de la firma influyen sobre la oferta.

Suggested Citation

  • Adriana María Corredor-Waldron & David Pérez-Reyna, 2009. "El mercado de crédito comercial y las restricciones de endeudamiento en Colombia," Temas de Estabilidad Financiera 042, Banco de la Republica de Colombia.
    • Handle: RePEc:bdr:temest:042
    DOI: 10.32468/tef.42
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    File URL: https://doi.org/10.32468/tef.42
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    Cited by:

    1. Santiago Caicedo & David Pérez-Reyna, 2010. "Implications on Households of Bank's Asset Substitution," Temas de Estabilidad Financiera 053, Banco de la Republica de Colombia.

    More about this item

    Keywords

    Modelo de desequilibrio; restricciones de crédito; Mercado de crédito comercial; Sistema financiero colombiano.;
    All these keywords.

    JEL classification:

    • C31 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Cross-Sectional Models; Spatial Models; Treatment Effect Models; Quantile Regressions; Social Interaction Models
    • E32 - Macroeconomics and Monetary Economics - - Prices, Business Fluctuations, and Cycles - - - Business Fluctuations; Cycles
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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