Publication: Un Estudio de la Influencia del País en los Indicadores Contables Bancarios de México, Chile, Argentina y España
Loading...
Date
2004
Authors
Sánchez Ballesta, Juan Pedro ; Bernabé Pérez, María Mercedes ; Marín-Hernández, Salvador
item.page.secondaryauthor
item.page.director
Publisher
publication.page.editor
publication.page.department
DOI
item.page.type
info:eu-repo/semantics/article
Description
Abstract
Teniendo en cuenta que a lo largo de la última década del siglo XX se inicia y consolida un proceso de expansión de los bancos españoles en América Latina y que la influencia del país puede resultar determinante en la explicación del comportamiento de los indicadores bancarios, en este trabajo estudiamos en qué medida las particularidades bancarias propias de cada país ayudan a explicar el comportamiento de indicador es de rentabilidad, captación de depósitos o concesión de préstamos. Por otro parte, conjuntamente con lo anterior, analizamos la evolución de diversos países latinoamericanos tras la adopción de políticas y normativas bancarias ajustadas a parámetros internacionales. Para ello utilizamos una muestra de entidades financieras de México, Chile, Argentina y España en el período 1995-2001. De los resultados se desprende que la mayor influencia del efecto país radica en la actividad crediticia y en la captación de depósitos, así como que los países latinoamericanos estudiados, en los que en los últimos años de la muestra se demuestra que se nota una clara mejoría y cercanía a parámetros internacionales, deben hacer aún un mayor esfuerzo en “bancarizar” su territorio y ejecutar políticas económicas y monetarias con un mayor enfoque “minorista”
Taking into account that during the last decade of the 20th century a process of growth of Sapnish banks in lLatin America began and was consolidated, and that the influence of a country can be decisive in the explanation of the behaviour of banking indicators, in this paper we study to what extent the distinctive banking characteristics of each country can help to explain the behaviour of profitability indicators, attract deposits or loan granting. On the other hand, together with the above, we analyse the evolution of different Latin American countries after the adoption of banking rules and policies set by international parameters. We use a sample of financial institutions from Mexico, Chile, Argentina and Spain covering a period from 1995-2001. The results show that the biggest influence of country effect lies in the credit activity and banking deposits. The Latin America countries studied, where a clear improvement and a movement towards international parameters is seen in the last years of the sample, must make a greater effort to develop their banking activities and carry out economic and monetary policies wieht a more retail focus.
Taking into account that during the last decade of the 20th century a process of growth of Sapnish banks in lLatin America began and was consolidated, and that the influence of a country can be decisive in the explanation of the behaviour of banking indicators, in this paper we study to what extent the distinctive banking characteristics of each country can help to explain the behaviour of profitability indicators, attract deposits or loan granting. On the other hand, together with the above, we analyse the evolution of different Latin American countries after the adoption of banking rules and policies set by international parameters. We use a sample of financial institutions from Mexico, Chile, Argentina and Spain covering a period from 1995-2001. The results show that the biggest influence of country effect lies in the credit activity and banking deposits. The Latin America countries studied, where a clear improvement and a movement towards international parameters is seen in the last years of the sample, must make a greater effort to develop their banking activities and carry out economic and monetary policies wieht a more retail focus.
publication.page.subject
Citation
item.page.embargo
Ir a Estadísticas
Este ítem está sujeto a una licencia Creative Commons. http://creativecommons.org/licenses/by-nc-nd/4.0/