Determinantes de la oferta de crédito en el sector financiero colombiano

Simple item page
dc.audiencePolicymakerseng
dc.audienceResearcherseng
dc.audienceStudentseng
dc.audienceTeacherseng
dc.coverage.sucursalBogotáspa
dc.creatorMurcia, Andrés
dc.creatorPiñeros-Gordo, José Hernán
dc.creator.firmaAndrés Murcia 
dc.date.accessioned2006-10-10T08:30:10Zeng
dc.date.available2015-12-06T08:30:10Zspa
dc.date.available2015-12-14T08:30:10Zspa
dc.date.available2017-10-24T08:30:10Zspa
dc.date.created2006-10-10spa
dc.date.issued2006-10-10eng
dc.descriptionSe evaluó el ciclo crediticio y los determinantes de oferta y demanda, en el caso colombiano se evalúo el racionamiento de crédito a través de los balances de las entidades financieras.spa
dc.description.abstractElements of both supply and demand interact during a financial crisis, which explains the precarious growth in credit. Nonetheless, it is important that demand-side incentives be generated ex post. These also help to reactivate loans by fueling the supply of credit. The latter usually remains depressed due to aspects that become relevant during and after a crisis, such as low bank capitalization and the increased risk aversion banks experience with a high rate of non-performing and doubtful loans. This situation can balance out when banks find investment alternatives in the financial market that might not provide a great deal of return, but keep risks low compared to the risk of extending credit at that particular moment. Clearly, after one of the worse financial crises in times recent (1998-1999), a number of elements emerged in Colombia that did, in fact, encourage the demand for credit. The reduction in interest rates at a time of generous liquidity, the growth in domestic and foreign investment, and good export performance are some examples, all of which have stimulated the growth in revenue. Moreover, the behavior of agents in the economy, particularly households, shows a low indebtedness level. This surely allowed for a certain amount of momentum in bank loans, which helped put the Colombian economy back on the path to growth. However, to achieve the growth required, for example, to lower the jobless rate and to provide greater well-being, we must identify the barriers might explain the slow growth in loans, especially mortgage loans, and determine if these barriers remain on the supply side.eng
dc.format.extent13 páginas : gráficas, tablasspa
dc.format.mimetypePDFspa
dc.identifier.handlehttps://hdl.handle.net/20.500.12134/2074spa
dc.identifier.urihttps://repositorio.banrep.gov.co/handle/20.500.12134/2074spa
dc.language.isospaspa
dc.publisherBanco de la República de Colombiaspa
dc.relation.doihttps://doi.org/10.32468/tef.21spa
dc.relation.ispartofDocumentos de Trabajospa
dc.relation.ispartofseriesTemas de Estabilidad Financieraspa
dc.relation.isversionofTemas de Estabilidad Financiera ; No. 21spa
dc.relation.numbertef 21eng
dc.relation.repechttps://ideas.repec.org/p/bdr/temest/021.htmlspa
dc.rights.accessRightsOpen Accesseng
dc.rights.ccAtribucion-NoComercial-CompartirIgual CC BY-NC-SA 4.0eng
dc.rights.disclaimerLas opiniones contenidas en el presente documento son responsabilidad exclusiva de los autores y no comprometen al Banco de la República ni a su Junta Directiva.spa
dc.rights.spaAcceso abiertospa
dc.rights.urihttps://creativecommons.org/licenses/by-nc-sa/4.0/eng
dc.source.bibliographicCitationHuertas, C.; Jalil, M.; Olarte, S.; Romero, J. V. (2005) “Algunas consideraciones sobre el canal del crédito y la transmisión de tasas de interés en Colombia”, Borradores de Economía, núm. 351, Banco de la República.spa
dc.source.bibliographicCitationMurcia, A.; Piñeros, H. (2006b). “Determinantes de la oferta de crédito en Colombia: ¿Aún existe un problema de racionamiento de crédito?” (mimeo), Departamento de Estabilidad Financiera, Banco de la República.spa
dc.source.bibliographicCitationUrrutia, M. (1999) “Crédito y reactivación económica” (Nota Editorial), Revista del Banco de la República, núm. 860, v. LXXII, Banco de la República, junio.spa
dc.source.handleRepecRePEc:bdr:temest:021spa
dc.subjectCréditospa
dc.subjectBalancesspa
dc.subjectOferta y demandaspa
dc.subjectRacionamientospa
dc.subjectColombiaspa
dc.subject.jelE50 - Monetary Policy, Central Banking, and the Supply of Money and Credit: Generaleng
dc.subject.jelG21 - Banks; Depository Institutions; Micro Finance Institutions; Mortgageseng
dc.subject.jelG29 - Financial Institutions and Services: Othereng
dc.subject.jelspaE50 - Política monetaria, bancos centrales, oferta de dinero y crédito: Generalidadesspa
dc.subject.jelspaG21 - Bancos; Instituciones de depósito; Instituciones Microfinancieras; Hipotecasspa
dc.subject.jelspaG29 - Instituciones y servicios financieros: Otrosspa
dc.subject.keywordCrediteng
dc.subject.keywordBalanceseng
dc.subject.keywordSupply and demandeng
dc.subject.keywordRationingeng
dc.subject.keywordColombiaeng
dc.subject.lembCrédito -- Colombiaspa
dc.subject.lembInstituciones financieras -- Colombiaspa
dc.subject.lembMercado bancario -- Colombiaspa
dc.titleDeterminantes de la oferta de crédito en el sector financiero colombianospa
dc.title.alternativeCredit supply determinants in the colombian financial sectorspa
dc.typeWorking Papereng
dc.type.hasversionPublished Versioneng
dc.type.spaDocumentos de trabajospa

Files

Original bundle
Now showing 1 - 2 of 2
Thumbnail Image
Name:
tef.pdf
Size:
129.52 KB
Format:
Adobe Portable Document Format
FILE
https://repositorio.banrep.gov.co/bitstream/handle/20.500.12134/2074/tef.pdf
Description:
Temas de Estabilidad Financiera No. 21
Download
Thumbnail Image
Name:
TEF_21.pdf
Size:
109.4 KB
Format:
Adobe Portable Document Format
FILE
https://repositorio.banrep.gov.co/bitstream/handle/20.500.12134/2074/TEF_21.pdf
Description:
Temas de Estabilidad Financiera No. 21i
Download

Collections

Temas de Estabilidad Financiera