El comportamiento del sector bancario, en los últimos años, se ha determinado mediante indicadores no estructurales de competencia. Sin embargo, este comportamiento no ha sido evaluado diferenciando los diferentes segmentos del mercado de crédito, pese a la evidencia de disparidades en grados de concentración, costos e ingresos marginales proveniente de cada mercado. Por ende, el presente trabajo estima el poder de mercado para cada segmento y, se analiza las interacciones entre mercados, a través de un modelo de variaciones conjeturales, para ver si los movimientos iniciales de un mercado afectan el equilibrio de otro mercado. A raíz de ello, se determina que las firmas incrementan sus márgenes cuando reducen su participación en los segmentos mayoristas para incrementar su cuota de participación en los segmentos minorista. Dado que, la coyuntura macroeconómica en los últimos años, incentivo un mayor crecimiento. de la demanda interna de este tipo de créditos. / The performance of the banking sector in recent years has been determined by non-structural indicators of competition. However, this behavior has not been evaluated by differentiating the different segments of the credit market, despite evidence of disparities in concentration, costs, and marginal revenues from each market. Therefore, this paper estimates the market power for each segment and analyzes the interactions between markets through a model of conjectural variations to see if the initial movements of one market affect the equilibrium of another market. As a result, it is determined that firms increase their margins when they reduce their participation in the wholesale segments to increase their share in the retail segments. Given that the macroeconomic situation in recent years has encouraged greater growth in the domestic demand for this type of credit, we have found that firms increase their margins when they reduce their share in the wholesale segments to increase their share in the retail segments. / Trabajo de investigación
| Identifer | oai:union.ndltd.org:PERUUPC/oai:repositorioacademico.upc.edu.pe:10757/656653 |
| Date | 02 June 2021 |
| Creators | Orellano Risco, Karla Beliza |
| Contributors | Jopen Sánchez, Guillermo Héctor |
| Publisher | Universidad Peruana de Ciencias Aplicadas (UPC), PE |
| Source Sets | Universidad Peruana de Ciencias Aplicadas (UPC) |
| Language | Spanish |
| Detected Language | English |
| Type | info:eu-repo/semantics/bachelorThesis |
| Format | application/pdf, application/epub, application/msword |
| Source | Universidad Peruana de Ciencias Aplicadas (UPC), Repositorio Académico - UPC |
| Rights | info:eu-repo/semantics/openAccess, Attribution-NonCommercial-ShareAlike 4.0 International, http://creativecommons.org/licenses/by-nc-sa/4.0/ |
Page generated in 0.0021 seconds