{"id":7483,"date":"2022-06-27T12:37:08","date_gmt":"2022-06-27T17:37:08","guid":{"rendered":"https:\/\/sitios.udla.edu.ec\/econometria\/?p=7483"},"modified":"2022-07-19T13:43:47","modified_gmt":"2022-07-19T18:43:47","slug":"concentracion-de-mercado-en-el-sistema-bancario-ecuatoriano-y-el-margen-de-intermediacion-financiera-en-el-periodo-2017-2021","status":"publish","type":"post","link":"https:\/\/sitios.udla.edu.ec\/econometria\/concentracion-de-mercado-en-el-sistema-bancario-ecuatoriano-y-el-margen-de-intermediacion-financiera-en-el-periodo-2017-2021\/","title":{"rendered":"Concentraci\u00f3n de mercado en el sistema bancario ecuatoriano y el margen de intermediaci\u00f3n financiera en el per\u00edodo 2017-2021"},"content":{"rendered":"\n<p>La investigaci\u00f3n estudia la relaci\u00f3n existente entre la concentraci\u00f3n bancaria y el margen de intermediaci\u00f3n financiera en el Ecuador, desde la hip\u00f3tesis que una alta concentraci\u00f3n del sector bancario (medida por el \u00cdndice IHH) genera un aumento en el margen de intermediaci\u00f3n (medido por el diferencial de tasas de inter\u00e9s impl\u00edcitas en los balances) de dicho sector. Para la construcci\u00f3n del an\u00e1lisis de evidencia emp\u00edrica se utilizaron indicadores de concentraci\u00f3n del Sistema Bancario, indicadores financieros propios de cada banco (mediante c\u00e1lculos que utilizan cuentas contables presentes en los estados financieros mensuales) y a la vez se utilizaron variables macroecon\u00f3micas como controles. Se realiz\u00f3 una estimaci\u00f3n bajo el M\u00e9todo de Sistema de Momentos Generalizados (GMM) para datos de panel din\u00e1micos y los resultados obtenidos comprobaron la hip\u00f3tesis que, a un mayor nivel de concentraci\u00f3n, mayor es el margen de intermediaci\u00f3n, pero s\u00f3lo para segmentos de bancos grandes y peque\u00f1os.<\/p>\n","protected":false},"excerpt":{"rendered":"La investigaci\u00f3n estudia la relaci\u00f3n existente entre la concentraci\u00f3n bancaria y el margen de intermediaci\u00f3n financiera en el Ecuador, desde&#8230;","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[84],"tags":[],"class_list":["post-7483","post","type-post","status-publish","format-standard","hentry","category-documentos-de-trabajo"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Concentraci\u00f3n de mercado en el sistema bancario ecuatoriano y el margen de intermediaci\u00f3n financiera en el per\u00edodo 2017-2021 - Econometr\u00eda<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sitios.udla.edu.ec\/econometria\/concentracion-de-mercado-en-el-sistema-bancario-ecuatoriano-y-el-margen-de-intermediacion-financiera-en-el-periodo-2017-2021\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Concentraci\u00f3n de mercado en el sistema bancario ecuatoriano y el margen de intermediaci\u00f3n financiera en el per\u00edodo 2017-2021 - Econometr\u00eda\" \/>\n<meta property=\"og:description\" content=\"La investigaci\u00f3n estudia la relaci\u00f3n existente entre la concentraci\u00f3n bancaria y el margen de intermediaci\u00f3n financiera en el Ecuador, desde...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/sitios.udla.edu.ec\/econometria\/concentracion-de-mercado-en-el-sistema-bancario-ecuatoriano-y-el-margen-de-intermediacion-financiera-en-el-periodo-2017-2021\/\" \/>\n<meta property=\"og:site_name\" content=\"Econometr\u00eda\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-27T17:37:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-19T18:43:47+00:00\" \/>\n<meta name=\"author\" content=\"webmastermkt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"webmastermkt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/sitios.udla.edu.ec\/econometria\/concentracion-de-mercado-en-el-sistema-bancario-ecuatoriano-y-el-margen-de-intermediacion-financiera-en-el-periodo-2017-2021\/\",\"url\":\"https:\/\/sitios.udla.edu.ec\/econometria\/concentracion-de-mercado-en-el-sistema-bancario-ecuatoriano-y-el-margen-de-intermediacion-financiera-en-el-periodo-2017-2021\/\",\"name\":\"Concentraci\u00f3n de mercado en el sistema bancario ecuatoriano y el margen de intermediaci\u00f3n financiera en el per\u00edodo 2017-2021 - 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