RESUMENEl concepto de bancarización tiendea relacionarse con el acceso de losagentes económicos al crédito. Sinembargo, se trata de un concepto másamplio que hace referencia al accesoa todos los servicios financieros disponibles.La bancarización es a suvez una herramienta clave para...

El objetivo de este documento es realizar una estimación de la distribución de pérdidas de las carteras comercial y de microcrédito mediante una aproximación no paramétrica. Se utilizó la metodología de bootstrapping para encontrar esta distribución de pérdidas como porcentaje del...

In this paper we show that the equilibrium in the Stiglitz-Weiss model (Stiglitz and Weiss, 1981) is a two-interest rate equilibrium. For this we use the true return-function for banks shown by Arnold (2005), the assumption of Bertrand competition and make a consideration for a discrete number...

This paper analyzes the individual bidding behaviour of German banks in the money market auctions conducted by the ECB from the beginning of the third quarter of 2000 to the end of the first quarter of 2001. Our approach takes a variety of characteristics of the individual banks into account. In...

A number of studies have pointed to various mistakes that consumers might make in their consumption-saving and financial decisions. We utilize a unique market experiment conducted by a large U.S. bank to assess how systematic and costly such mistakes are in practice. The bank offered consumers a...

Credit relationships between commercial banks and quoted firms are studied for the structure and its temporal change from the year 1980 to 2005. At each year, the credit network is regarded as a weighted bipartite graph where edges correspond to the relationships and weights refer to the amounts...

We present a new approach to understanding credit relationships between commercial banks and quoted firms, and with this approach, examine the temporal change in the structure of the Japanese credit network from 1980 to 2005. At each year, the credit network is regarded as a weighted bipartite...

At present West European banks are increasingly branching out into asset management as well as the consulting business, which cannot be directly influenced by monetary controls. We have therefore carried out a regression analysis and a factor analysis of banks' balance-sheet items, and we have...

At present, Western European banks are increasingly branching out into asset management as well as the consulting business, which cannot be influenced directly by monetary controls. We have therefore conducted a factor analysis of banks' balance-sheet items, and we have also plotted figures from...

At present, Western European banks are increasingly branching out into asset management as well as the consulting business, which cannot be influenced directly by monetary controls. We have therefore conducted a factor analysis of banks' balance-sheet items, and we have also plotted figures from...