Las cajas rurales y la importancia del sector agrario en su modelo de negocio

Beatriz Duval

Revista Espanola de Estudios Agrosociales y Pesqueros, 2010, issue 226, 35

Abstract: Las cooperativas de Credito, y mas concretamente las Cajas Rurales, tradicionalmente vinculadas al sector agrario, operan en un entorno fuertemente competitivo, dodnde cada vez estan menos asegurados los <> y la tradicional fidelidad de su clientela. Como cooperativas que son, se espera de ellas el cumplimiento de una serie de objetivos sociales claramente establecidos y definidos, a nivel legislativo y estutario, y socialmente reconocidos. Sin embargo, como entidades financieras, deben operar en un entorno donde es fundamental la busqueda de rentabilidad como via de creacion de valor y servico, sostenida sobre unos adecuados niveles de solvencia. Este trabajo se centrara en analizar, por un lado, la participacion del sector agrario en el modelo de negocio de las cooperativas de credito, comparativamente con la situacion en Bancos y Cajas de Ahorros, y por otro, el peso que las Cooperativas de Credito tienen en la financiacion a los diferentes sectores productivos, y mas concretamente al sector agrario, respecto de las restantes entidades financieras. La situacion actual de crisis ha impulsado el debate interno en el sector de las Cooperativas de Credito, sobre la necesidad de un replanteamiento de su modelo de negocio. Cooperative Banks, and more specifically Rural Banks, traditionally linked to the agrarian sector, operate in a strongly competitive environment, where the <> and the traditional loyalty of its customers are less and less assured. As cooperatives, they are expected to fulfill a series of social aims, clearly established at a legislative and statutory level, socially recognized. Nevertheless, as financial institutions, they must operate in an environment where the search of profitability is mandatory as route of creation of value and service, based on suitable levels of solvency. This will analyze, on the one hand, the participation of the agrarian sector in the business model of Credit Cooperatives, comparatively with the situations in Banks and Savings Banks, and on other one, the weight that the Credit Cooperatives have in the financing to the different productive sectors, and more concretely the agrarian sector, with regard to the remaining financial institutions. The current situation of crisis has driven the internal debate in the sector of the Credit Cooperatives, on the need of a rethinking of his business model.

Keywords: Agricultural Finance; Financial Economics (search for similar items in EconPapers)
Date: 2010
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Persistent link: https://EconPapers.repec.org/RePEc:ags:spreea:186501

DOI: 10.22004/ag.econ.186501

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