El costo del crédito en el Perú, revisión de la evolución reciente

Mario Mesía (), Eduardo Costa (), Oscar Graham (), Robert Soto () and Alejandro Rabanal ()
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Mario Mesía: Central Bank of Peru
Eduardo Costa: Central Bank of Peru
Oscar Graham: Central Bank of Peru
Robert Soto: Central Bank of Peru
Alejandro Rabanal: Central Bank of Peru

No 2006-004, Working Papers from Banco Central de Reserva del Perú

Abstract: This paper evaluates from a microeconomic perspective the lending cost determinants in the Peruvian banking system in the June 2004-December 2005 period. The evaluation considers the credit market segments identified in a prior study (published in 2002). Furthermore, it reviews the progress occurred in the financial system infrastructure –asymmetric information, credit risk assessing technologies, competitive structure, and credit guarantees performance– in the aforementioned period. The paper also contains a set of “study cases” that contributes to a better understanding of the credit market dynamics. We found evidence that supports the presence of a higher level of competition in every market segment, especially for that of corporate borrowers. Finally, the paper suggests a set of policies to further reduce the cost of credit.

Keywords: Interest Rate; Credit Cost (search for similar items in EconPapers)
JEL-codes: C11 C53 E31 E37 E47 (search for similar items in EconPapers)
Date: 2006-06
New Economics Papers: this item is included in nep-fmk and nep-mac
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Persistent link: https://EconPapers.repec.org/RePEc:rbp:wpaper:2006-004

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