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Orellano, K., (2021). Comportamiento estratégico del sector bancario en el mercado de créditos [Trabajo de investigación, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/656653
Orellano, K., Comportamiento estratégico del sector bancario en el mercado de créditos [Trabajo de investigación]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2021. http://hdl.handle.net/10757/656653
@misc{renati/396222,
title = "Comportamiento estratégico del sector bancario en el mercado de créditos",
author = "Orellano Risco, Karla Beliza",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2021"
}
Title: Comportamiento estratégico del sector bancario en el mercado de créditos
Other Titles: Strategic behavior in the credit market
Authors(s): Orellano Risco, Karla Beliza
Advisor(s): Jopen Sánchez, Guillermo
Keywords: Comportamiento estratégico; Variación conjetural; Crédito financiero; Strategic behavior; Conjectural variation; Financial credit
OCDE field: http://purl.org/pe-repo/ocde/ford#5.00.00; https://purl.org/pe-repo/ocde/ford#5.02.01
Issue Date: 2-Jun-2021
Institution: Universidad Peruana de Ciencias Aplicadas (UPC)
Abstract: El comportamiento del sector bancario, en los últimos años, se ha determinado mediante indicadores no estructurales de competencia. Sin embargo, este comportamiento no ha sido evaluado diferenciando los diferentes segmentos del mercado de crédito, pese a la evidencia de disparidades en grados de concentración, costos e ingresos marginales proveniente de cada mercado. Por ende, el presente trabajo estima el poder de mercado para cada segmento y, se analiza las interacciones entre mercados, a través de un modelo de variaciones conjeturales, para ver si los movimientos iniciales de un mercado afectan el equilibrio de otro mercado. A raíz de ello, se determina que las firmas incrementan sus márgenes cuando reducen su participación en los segmentos mayoristas para incrementar su cuota de participación en los segmentos minorista. Dado que, la coyuntura macroeconómica en los últimos años, incentivo un mayor crecimiento. de la demanda interna de este tipo de créditos.
The performance of the banking sector in recent years has been determined by non-structural indicators of competition. However, this behavior has not been evaluated by differentiating the different segments of the credit market, despite evidence of disparities in concentration, costs, and marginal revenues from each market. Therefore, this paper estimates the market power for each segment and analyzes the interactions between markets through a model of conjectural variations to see if the initial movements of one market affect the equilibrium of another market. As a result, it is determined that firms increase their margins when they reduce their participation in the wholesale segments to increase their share in the retail segments. Given that the macroeconomic situation in recent years has encouraged greater growth in the domestic demand for this type of credit, we have found that firms increase their margins when they reduce their share in the wholesale segments to increase their share in the retail segments.
The performance of the banking sector in recent years has been determined by non-structural indicators of competition. However, this behavior has not been evaluated by differentiating the different segments of the credit market, despite evidence of disparities in concentration, costs, and marginal revenues from each market. Therefore, this paper estimates the market power for each segment and analyzes the interactions between markets through a model of conjectural variations to see if the initial movements of one market affect the equilibrium of another market. As a result, it is determined that firms increase their margins when they reduce their participation in the wholesale segments to increase their share in the retail segments. Given that the macroeconomic situation in recent years has encouraged greater growth in the domestic demand for this type of credit, we have found that firms increase their margins when they reduce their share in the wholesale segments to increase their share in the retail segments.
Link to repository: http://hdl.handle.net/10757/656653
Discipline: Economía y Negocios Internacionales
Grade or title grantor: Universidad Peruana de Ciencias Aplicadas (UPC). Facultad de Economía
Grade or title: Bachiller en Economía y Negocios Internacionales
Register date: 7-Jul-2021
This item is licensed under a Creative Commons License