Se analiza la encuesta sobre la situación del crédito que recoge información cualitativa sobre las percepciones que tienen las instituciones financieras sobre el mercado de crédito, con el propósito de evaluar el racionamiento de crédito en la economía de Colombia.

To complement a number of studies done in Colombia, based largely on figures from institutional balance sheets, Banco de la Republica has conducted three surveys to date on the credit situation in Colombia. The aim is to collect qualitative information that can be used to determine how financial institutions feel about different aspects of the credit business. The questionnaire for the credit survey done in November 2005 was filled out by the commercial and/or credit vice presidents of 18 credit institutions. The other two surveys, which are similar, were conducted in 2001 and 2003, making it possible to compare the results found at different stages of the economic and credit cycle. One of the primary objectives of the present study, which is the result of an assessment and analysis of the survey, is to determine if credit dynamics respond more to supply factors than to demand, and if these - particularly the supply factors - have changed in recent years. With this information, it is possible to assess the presence of credit rationing in the Colombian economy.