Bibliographic citations
Soto, A., (2021). Poder de mercado y morosidad en el mercado financiero peruano para los años 2010 al 2019 [Trabajo de investigación, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/657516
Soto, A., Poder de mercado y morosidad en el mercado financiero peruano para los años 2010 al 2019 [Trabajo de investigación]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2021. http://hdl.handle.net/10757/657516
@misc{renati/397296,
title = "Poder de mercado y morosidad en el mercado financiero peruano para los años 2010 al 2019",
author = "Soto Zorrilla, Alicia Carolina",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2021"
}
Considering that the financial sector can be a means to promote the economic development of a country, influencing capital investment in productive activities and expansion of markets, analyzing possible determinants that affect its development is important. The purpose of this research work is to determine whether competition influences the quality of the credit portfolio of credit granting institutions, and, if so, to analyze whether the effect is positive or negative. The years 2010 to 2019 are taken for the period of analysis and for three groups of financial institutions that are banks and, representing the microfinance sector, we have the municipal savings banks and rural savings banks. Previous studies have shown a mostly positive relationship between the delinquency rate and the increase in competition; however, it is not a conclusive result for all countries and periods, therefore determining the relationship for the Peruvian case and in the given years it is innovative. To empirically test that competition affects the loan portfolio, the default rate variable was used to measure the impact of portfolio quality. Likewise, it was proposed to estimate the Lerner index as an indicator of market power in representation of the competition variable. The data panel estimates were made, through which, because of the different econometric tests carried out, it was decided to use the GLS method for the regressions. The results obtained allow us to validate the hypothesis that the relationship between the competition between financial institutions granting credit and the delinquency rate is positive. Finally, the results obtained could justify research related to regulation in the financial sector with respect to banking competition and its determinants.
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