Estrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013
Autor(a) principal: | |
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Data de Publicação: | 2014 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Repositório Institucional do FGV (FGV Repositório Digital) |
Texto Completo: | http://hdl.handle.net/10438/12006 |
Resumo: | This present study examined the extent to which the market structure of the Brazilian banking industry - at levels of concentration and competition - affects the risk appetite of its agents. Thus, we examined the relationship between concentration indicators (C3 and HHI), competition (H-statistic) and risk (NPL, Z-score) for the period comprehended between 2001 and 2013. The relationship between non-performing loans (NPL), concentration and competition was empirically tested using panel data models. The results indicates that bank concentration has a significant impact on the NPL, suggesting that more concentrated systems are more fragile. On the other hand, the results for competition and NPL indicates that a more competitive environment may generate a more stable financial system. |
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Ferreira, Caio Henri Guitton TavaresEscolas::EESPMori, RogérioRossi, PedroCarvalho, Laura Barbosa de2014-09-05T19:20:03Z2014-09-05T19:20:03Z2014-08-07FERREIRA, Caio Henri Guitton Tavares. Estrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013. Dissertação (Mestrado Profissional em Finanças e Economia) - FGV - Fundação Getúlio Vargas, São Paulo, 2014.http://hdl.handle.net/10438/12006This present study examined the extent to which the market structure of the Brazilian banking industry - at levels of concentration and competition - affects the risk appetite of its agents. Thus, we examined the relationship between concentration indicators (C3 and HHI), competition (H-statistic) and risk (NPL, Z-score) for the period comprehended between 2001 and 2013. The relationship between non-performing loans (NPL), concentration and competition was empirically tested using panel data models. The results indicates that bank concentration has a significant impact on the NPL, suggesting that more concentrated systems are more fragile. On the other hand, the results for competition and NPL indicates that a more competitive environment may generate a more stable financial system.O presente trabalho analisou em que medida a estrutura de mercado da indústria bancária brasileira – em níveis de concentração e competição – afeta o apetite ao risco de seus agentes. Para tanto, o estudo examinou a relação entre indicadores de concentração (C3 e HHI), competição (Estatística-H) e de risco (NPL, Z-score) para o período entre 2001 e 2013. A relação entre non-performing loans (NPL), concentração e competição foi empiricamente testada através de modelos de dados em painel. Os resultados indicam que a concentração bancária tem impacto significativo no NPL, sugerindo que sistemas mais concentrados são mais frágeis. Por outro lado, os resultados para competição e NPL indicam que em ambientes mais competitivos podem gerar sistemas financeiros menos instáveis.porBrazilian banksMarket structureBank riskBancos brasileirosEstrutura de mercadoRisco bancárioPanzar e RosseCompetiçãoConcentraçãoNPLZ-ScoreEstatística-HFragilidade financeiraEconomiaBancos - BrasilAdministração de riscoConcorrênciaAnálise de painelAdministração bancáriaEstrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013info:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas (FGV)instacron:FGVinfo:eu-repo/semantics/openAccessORIGINALDISSERTAÇÃO - CAIO HENRI GUITTON TAVARES FERREIRA VF3.pdfDISSERTAÇÃO - CAIO HENRI GUITTON TAVARES FERREIRA 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dc.title.por.fl_str_mv |
Estrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013 |
title |
Estrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013 |
spellingShingle |
Estrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013 Ferreira, Caio Henri Guitton Tavares Brazilian banks Market structure Bank risk Bancos brasileiros Estrutura de mercado Risco bancário Panzar e Rosse Competição Concentração NPL Z-Score Estatística-H Fragilidade financeira Economia Bancos - Brasil Administração de risco Concorrência Análise de painel Administração bancária |
title_short |
Estrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013 |
title_full |
Estrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013 |
title_fullStr |
Estrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013 |
title_full_unstemmed |
Estrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013 |
title_sort |
Estrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013 |
author |
Ferreira, Caio Henri Guitton Tavares |
author_facet |
Ferreira, Caio Henri Guitton Tavares |
author_role |
author |
dc.contributor.unidadefgv.por.fl_str_mv |
Escolas::EESP |
dc.contributor.member.none.fl_str_mv |
Mori, Rogério Rossi, Pedro |
dc.contributor.author.fl_str_mv |
Ferreira, Caio Henri Guitton Tavares |
dc.contributor.advisor1.fl_str_mv |
Carvalho, Laura Barbosa de |
contributor_str_mv |
Carvalho, Laura Barbosa de |
dc.subject.eng.fl_str_mv |
Brazilian banks Market structure Bank risk |
topic |
Brazilian banks Market structure Bank risk Bancos brasileiros Estrutura de mercado Risco bancário Panzar e Rosse Competição Concentração NPL Z-Score Estatística-H Fragilidade financeira Economia Bancos - Brasil Administração de risco Concorrência Análise de painel Administração bancária |
dc.subject.por.fl_str_mv |
Bancos brasileiros Estrutura de mercado Risco bancário Panzar e Rosse Competição Concentração NPL Z-Score Estatística-H Fragilidade financeira |
dc.subject.area.por.fl_str_mv |
Economia |
dc.subject.bibliodata.por.fl_str_mv |
Bancos - Brasil Administração de risco Concorrência Análise de painel Administração bancária |
description |
This present study examined the extent to which the market structure of the Brazilian banking industry - at levels of concentration and competition - affects the risk appetite of its agents. Thus, we examined the relationship between concentration indicators (C3 and HHI), competition (H-statistic) and risk (NPL, Z-score) for the period comprehended between 2001 and 2013. The relationship between non-performing loans (NPL), concentration and competition was empirically tested using panel data models. The results indicates that bank concentration has a significant impact on the NPL, suggesting that more concentrated systems are more fragile. On the other hand, the results for competition and NPL indicates that a more competitive environment may generate a more stable financial system. |
publishDate |
2014 |
dc.date.accessioned.fl_str_mv |
2014-09-05T19:20:03Z |
dc.date.available.fl_str_mv |
2014-09-05T19:20:03Z |
dc.date.issued.fl_str_mv |
2014-08-07 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
FERREIRA, Caio Henri Guitton Tavares. Estrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013. Dissertação (Mestrado Profissional em Finanças e Economia) - FGV - Fundação Getúlio Vargas, São Paulo, 2014. |
dc.identifier.uri.fl_str_mv |
http://hdl.handle.net/10438/12006 |
identifier_str_mv |
FERREIRA, Caio Henri Guitton Tavares. Estrutura de mercado da indústria bancária e apetite ao risco no Brasil: uma análise dos anos 2001 e 2013. Dissertação (Mestrado Profissional em Finanças e Economia) - FGV - Fundação Getúlio Vargas, São Paulo, 2014. |
url |
http://hdl.handle.net/10438/12006 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.source.none.fl_str_mv |
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FGV |
institution |
FGV |
reponame_str |
Repositório Institucional do FGV (FGV Repositório Digital) |
collection |
Repositório Institucional do FGV (FGV Repositório Digital) |
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https://repositorio.fgv.br/bitstreams/1a12f8c8-ccd0-4dea-8d1a-4d3b401c04d8/download https://repositorio.fgv.br/bitstreams/509ab205-ef8a-4f92-a307-5704e9fc8eb7/download https://repositorio.fgv.br/bitstreams/22f4bbf9-b405-4219-8292-a213bb3d4ae1/download https://repositorio.fgv.br/bitstreams/51979011-c0e3-4dc2-9a8b-bb574b38717a/download |
bitstream.checksum.fl_str_mv |
3f3af32812885bee6ac6c97f5a66c1ec dfb340242cced38a6cca06c627998fa1 2a4c528b008e3c149579962f472b6e07 c36e0c49cca4392741b8ad5317e5e2e5 |
bitstream.checksumAlgorithm.fl_str_mv |
MD5 MD5 MD5 MD5 |
repository.name.fl_str_mv |
Repositório Institucional do FGV (FGV Repositório Digital) - Fundação Getulio Vargas (FGV) |
repository.mail.fl_str_mv |
|
_version_ |
1810023862304243712 |