Citas bibligráficas
Cabanillas, A., Rodriguez, I. (2023). Efectos de la estructura del mercado de créditos en la rentabilidad del
sistema bancario en Latinoamérica [Trabajo de suficiencia profesional, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/672084
Cabanillas, A., Rodriguez, I. Efectos de la estructura del mercado de créditos en la rentabilidad del
sistema bancario en Latinoamérica [Trabajo de suficiencia profesional]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2023. http://hdl.handle.net/10757/672084
@misc{renati/413966,
title = "Efectos de la estructura del mercado de créditos en la rentabilidad del
sistema bancario en Latinoamérica",
author = "Rodriguez Paucar, Ian Guillermo",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2023"
}
This research aims to demonstrate the impact of concentration and competition on the profitability of the banking system of 17 Latin American countries from 1996 to 2021, as well as to demonstrate whether the COVID 19 pandemic had a significant impact on market performance. . To measure bank profitability, profitability ratios on assets and equity documented during the years of study were used. As a proxy for competition, the Boone indicator was used, while the Herfindahl and Hirschman indicators and the concentration ratio of the 5 largest banks in the country were used to measure concentration. The SCP model was used, seeking to find two relationships: (i) demonstrate the relationship between competition and concentration, and (ii) define the impact of a change in competition on bank profitability. The results demonstrated the inverse relationship between competition and concentration, as well as the direct relationship between competition and profitability; Finally, given a greater concentration of banks in Latin American countries, the profitability of the banking sector will be reduced. Policy makers in the region in question should focus on measures that regulate concentration in the long term to mitigate its impact on the financial sector or promote the competitiveness of the sector.
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