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¿Cómo se deberían estructurar las instituciones y los mercados financieros? Análisis y opciones de diseño de sistemas financieros

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  • George G. Kaufman
  • Randall S. Kroszner

Abstract

(Disponible en idioma inglés únicamente) En este trabajo se analizan las consecuencias de estructuras financieras alternativas para la eficiencia y la estabilidad financieras. La atención se centra en la estructura organizativa de los bancos. Las estructuras bancarias alternativas varían desde bancos especializados de ámbito restringido hasta bancos universales de ámbito mucho más amplio. Cada estructura bancaria se evalúa según su capacidad de satisfacer los objetivos de eficiencia y estabilidad en la estabilidad del sistema financieros, las economías de escala y alcance, la competencia, evitar los excesos regulatorios, los conflictos de intereses y la manipulación política, el control empresarial y la gestión de crisis financieras, y el control monetario. Ninguna reforma sirve para todos los países por igual y ninguna reforma garantiza por sí sola el logro o el mantenimiento de los objetivos.

Suggested Citation

  • George G. Kaufman & Randall S. Kroszner, 1997. "¿Cómo se deberían estructurar las instituciones y los mercados financieros? Análisis y opciones de diseño de sistemas financieros," Research Department Publications 4055, Inter-American Development Bank, Research Department.
    • Handle: RePEc:idb:wpaper:4055
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