Competição entre cooperativas de crédito e bancos em mercados locais

Detalhes bibliográficos
Autor(a) principal: Souza, Fábio Augusto Pera de
Data de Publicação: 2017
Tipo de documento: Tese
Idioma: por
Título da fonte: Repositório Institucional do FGV (FGV Repositório Digital)
Texto Completo: http://hdl.handle.net/10438/18060
Resumo: This study evaluates competition between Brazilian Cooperative Financial Institutions (CFIs) and commercial banks in local credit markets running a pooled OLS of bank interest rate as a function of CFI market share, competition and county characteristics. Database has 55920 observations regarding the four quarters of 2013. Results show no significant impact of CFI presence on bank interest rates. On the other hand, bank type and Human Development Index (HDI) are important determinants of bank rates. It is necessary to look at relationship between CFIs and banks beyond traditional literature on banking competition. Moreover, regulators should not treat them the same way for empowering population should be a main goal of government.
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spelling Souza, Fábio Augusto Pera deEscolas::EAESPFarias, Lauro Emilio GonzalezCoelho, Fernando de SouzaOliva, Fabio LottiMettenheim, Kurt von2017-03-20T16:16:40Z2017-03-20T16:16:40Z2017-02-24SOUZA, Fábio Augusto Pera de. Competição entre cooperativas de crédito e bancos em mercados locais. Tese (Doutorado em Administração Pública e Governo) - FGV - Fundação Getúlio Vargas, São Paulo, 2017.http://hdl.handle.net/10438/18060This study evaluates competition between Brazilian Cooperative Financial Institutions (CFIs) and commercial banks in local credit markets running a pooled OLS of bank interest rate as a function of CFI market share, competition and county characteristics. Database has 55920 observations regarding the four quarters of 2013. Results show no significant impact of CFI presence on bank interest rates. On the other hand, bank type and Human Development Index (HDI) are important determinants of bank rates. It is necessary to look at relationship between CFIs and banks beyond traditional literature on banking competition. Moreover, regulators should not treat them the same way for empowering population should be a main goal of government.Este estudo analisa a competição entre cooperativas de crédito (CFIs) e bancos comerciais em mercados de crédito locais por meio de modelos MQO tendo a taxa de juros dos bancos em função da participação de mercado das CFIs, do nível de competição e de características locais. A base de dados contém as operações de cada trimestre de 2013, totalizando 55920 observações. Os resultados não mostram efeito significativo da presença de CFIs sobre as taxas dos bancos. Por outro lado, o tipo de banco e o Índice de Desenvolvimento Humano (IDHm) são importantes determinantes da taxa. É necessário analisar o relacionamento entre CFIs e bancos para além da literatura tradicional sobre concorrência bancária. Além disso, o regulador não deve tratar instituições cooperativas e bancárias da mesma forma. 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dc.title.por.fl_str_mv Competição entre cooperativas de crédito e bancos em mercados locais
title Competição entre cooperativas de crédito e bancos em mercados locais
spellingShingle Competição entre cooperativas de crédito e bancos em mercados locais
Souza, Fábio Augusto Pera de
Local markets
Competition
Credit
Mercados locais
Concorrência
Crédito
Administração pública
Concorrência
Bancos
Mercado financeiro
Cooperativas de crédito
title_short Competição entre cooperativas de crédito e bancos em mercados locais
title_full Competição entre cooperativas de crédito e bancos em mercados locais
title_fullStr Competição entre cooperativas de crédito e bancos em mercados locais
title_full_unstemmed Competição entre cooperativas de crédito e bancos em mercados locais
title_sort Competição entre cooperativas de crédito e bancos em mercados locais
author Souza, Fábio Augusto Pera de
author_facet Souza, Fábio Augusto Pera de
author_role author
dc.contributor.unidadefgv.por.fl_str_mv Escolas::EAESP
dc.contributor.member.none.fl_str_mv Farias, Lauro Emilio Gonzalez
Coelho, Fernando de Souza
Oliva, Fabio Lotti
dc.contributor.author.fl_str_mv Souza, Fábio Augusto Pera de
dc.contributor.advisor1.fl_str_mv Mettenheim, Kurt von
contributor_str_mv Mettenheim, Kurt von
dc.subject.eng.fl_str_mv Local markets
Competition
Credit
topic Local markets
Competition
Credit
Mercados locais
Concorrência
Crédito
Administração pública
Concorrência
Bancos
Mercado financeiro
Cooperativas de crédito
dc.subject.por.fl_str_mv Mercados locais
Concorrência
Crédito
dc.subject.area.por.fl_str_mv Administração pública
dc.subject.bibliodata.por.fl_str_mv Concorrência
Bancos
Mercado financeiro
Cooperativas de crédito
description This study evaluates competition between Brazilian Cooperative Financial Institutions (CFIs) and commercial banks in local credit markets running a pooled OLS of bank interest rate as a function of CFI market share, competition and county characteristics. Database has 55920 observations regarding the four quarters of 2013. Results show no significant impact of CFI presence on bank interest rates. On the other hand, bank type and Human Development Index (HDI) are important determinants of bank rates. It is necessary to look at relationship between CFIs and banks beyond traditional literature on banking competition. Moreover, regulators should not treat them the same way for empowering population should be a main goal of government.
publishDate 2017
dc.date.accessioned.fl_str_mv 2017-03-20T16:16:40Z
dc.date.available.fl_str_mv 2017-03-20T16:16:40Z
dc.date.issued.fl_str_mv 2017-02-24
dc.type.status.fl_str_mv info:eu-repo/semantics/publishedVersion
dc.type.driver.fl_str_mv info:eu-repo/semantics/doctoralThesis
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status_str publishedVersion
dc.identifier.citation.fl_str_mv SOUZA, Fábio Augusto Pera de. Competição entre cooperativas de crédito e bancos em mercados locais. Tese (Doutorado em Administração Pública e Governo) - FGV - Fundação Getúlio Vargas, São Paulo, 2017.
dc.identifier.uri.fl_str_mv http://hdl.handle.net/10438/18060
identifier_str_mv SOUZA, Fábio Augusto Pera de. Competição entre cooperativas de crédito e bancos em mercados locais. Tese (Doutorado em Administração Pública e Governo) - FGV - Fundação Getúlio Vargas, São Paulo, 2017.
url http://hdl.handle.net/10438/18060
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dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.source.none.fl_str_mv reponame:Repositório Institucional do FGV (FGV Repositório Digital)
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