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Una Visión Global de la Deuda Financiera de los Hogares Chilenos en la Última Década

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Listed:
  • José Miguel Matus
  • Nancy Silva
  • Alejandra Marinovic
  • Karla Flores

Abstract

Este artículo constituye el primer esfuerzo por proporcionar una caracterización extensiva de la deuda financiera de los hogares chilenos en la última década, que permita contribuir al debate con una evaluación del riesgo que este segmento conlleva para el sistema financiero chileno. Con este objetivo se caracterizan los distintos productos crediticios disponibles, los diversos oferentes del crédito y las principales características de los deudores en cada segmento, además de analizar la exposición de los agentes financieros a la deuda de los hogares, incluyendo una comparación de sus indicadores de riesgo de crédito. La deuda de los hogares chilenos muestra un importante dinamismo en el periodo 1997-2008. Este se manifiesta en diversos aspectos, entre los cuales están los cambios en las condiciones crediticias, el ingreso de nuevos proveedores al sistema, modificaciones normativas y una fuerte correlación con el ciclo económico. Si bien el presente análisis apunta a que, por múltiples factores, el riesgo de este segmento crediticio es acotado, también pone en evidencia la relevancia de su constante monitoreo.

Suggested Citation

  • José Miguel Matus & Nancy Silva & Alejandra Marinovic & Karla Flores, 2010. "Una Visión Global de la Deuda Financiera de los Hogares Chilenos en la Última Década," Economic Statistics Series 81, Central Bank of Chile.
    • Handle: RePEc:chb:bcchee:81
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    References listed on IDEAS

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    1. Adolfo Barajas & Leonardo Luna & Jorge Restrepo, 2008. "Macroeconomic Fluctuations and Bank Behavior in Chile," Revista de Analisis Economico – Economic Analysis Review, Universidad Alberto Hurtado/School of Economics and Business, vol. 23(1), pages 21-56, Diciembre.
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    Cited by:

    1. Micco, Alejandro & Parrado, Eric & Piedrabuena, Bernardita & Rebucci, Alessandro, 2012. "Housing Finance in Chile: Instruments, Actors, and Policies," IDB Publications (Working Papers) 3965, Inter-American Development Bank.
    2. Farías, Pablo, 2019. "Determinants of knowledge of personal loans' total costs: How price consciousness, financial literacy, purchase recency and frequency work together," Journal of Business Research, Elsevier, vol. 102(C), pages 212-219.
    3. Andrés Sagner, 2011. "El Índice Cartera Vencida como Medida de Riesgo de Crédito: Análisis y Aplicación al Caso de Chile," Working Papers Central Bank of Chile 618, Central Bank of Chile.
    4. Jaime Ruiz-Tagle & Leidy García & Álvaro Miranda, 2013. "Proceso de Endeudamiento y Sobre Endeudamiento de los Hogares en Chile," Working Papers Central Bank of Chile 703, Central Bank of Chile.

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