Cooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasil

Detalhes bibliográficos
Autor(a) principal: Lhacer, Priscilla Maria Villa
Data de Publicação: 2012
Tipo de documento: Tese
Idioma: por
Título da fonte: Repositório Institucional do FGV (FGV Repositório Digital)
Texto Completo: http://hdl.handle.net/10438/9520
Resumo: This work aims to study whether credit unions can influence loan and deposit interest rates charged by Brazilian commercial banks. We based our research on Monti-Klein model for banks, Smith model for credit unions and the theory of Fama and Jensen about agency problems in the banking system. Therefore, we develop a theoretical framework to analyze the interaction between commercial banks and credit unions in credit and deposits markets. The empirical tests showed that credit unions influence banking interest rates through their market share. Higher credit union´s market share is associated to higher bank interest rates in credit operations. No evidence of impact of credit union´s market share in bank interest rates to deposits was found.
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spelling Lhacer, Priscilla Maria VillaEscolas::EAESPBertucci, Luiz AlbertoEid Júnior, WilliamFarias, Lauro Emilio GonzalezMinardi, Andrea Maria Accioly FonsecaGarcia, Fábio Gallo2012-03-30T18:43:00Z2012-03-30T18:43:00Z2012-02-29LHACER, Priscilla Maria Villa. Cooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasil. Tese (Doutorado em Administração de Empresas) - FGV - Fundação Getúlio Vargas, São Paulo, 2012.http://hdl.handle.net/10438/9520This work aims to study whether credit unions can influence loan and deposit interest rates charged by Brazilian commercial banks. We based our research on Monti-Klein model for banks, Smith model for credit unions and the theory of Fama and Jensen about agency problems in the banking system. Therefore, we develop a theoretical framework to analyze the interaction between commercial banks and credit unions in credit and deposits markets. The empirical tests showed that credit unions influence banking interest rates through their market share. Higher credit union´s market share is associated to higher bank interest rates in credit operations. No evidence of impact of credit union´s market share in bank interest rates to deposits was found.O presente trabalho tem como objetivo estudar se as cooperativas de crédito influenciam as taxas de juros praticadas pelos bancos comerciais e múltiplos com carteira comercial em suas operações de crédito e de depósitos a prazo. A pesquisa baseou-se no modelo de oligopólio de Monti-Klein (para os bancos), no modelo de Smith (para as cooperativas de crédito) e na teoria de Fama e Jensen sobre problemas de agência para criar uma estrutura teórica que permite entender a interação entre bancos e cooperativas de crédito nos mercados de crédito e de depósitos a prazo. A validade desta estrutura teórica foi testada empiricamente e os resultados evidenciaram que as cooperativas de crédito brasileiras influenciam as taxas de juros de crédito praticadas pelos bancos por meio de sua participação de mercado (market share). Uma maior participação de mercado das cooperativas de crédito está associada a maiores taxas de juros cobradas pelos bancos nas operações de crédito. Os resultados empíricos também evidenciaram que a participação de mercado das cooperativas de crédito não impacta as taxas de juros dos bancos para os depósitos a prazo.porCooperativas de créditoAdministração de empresasCooperativas de créditoCrédito bancário - BrasilBancos - BrasilCooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasilinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/doctoralThesisreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas (FGV)instacron:FGVinfo:eu-repo/semantics/openAccessORIGINALPriscilla Maria Villa Lhacer tese final.pdfPriscilla Maria Villa Lhacer tese final.pdfTeseapplication/pdf845496https://repositorio.fgv.br/bitstreams/4a9f4e32-3bfe-4974-a82f-b7b5bef8bbcc/downloada8f36360d9cf595e76c5501bbe2c61a1MD51LICENSElicense.txtlicense.txttext/plain; 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dc.title.por.fl_str_mv Cooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasil
title Cooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasil
spellingShingle Cooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasil
Lhacer, Priscilla Maria Villa
Cooperativas de crédito
Administração de empresas
Cooperativas de crédito
Crédito bancário - Brasil
Bancos - Brasil
title_short Cooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasil
title_full Cooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasil
title_fullStr Cooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasil
title_full_unstemmed Cooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasil
title_sort Cooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasil
author Lhacer, Priscilla Maria Villa
author_facet Lhacer, Priscilla Maria Villa
author_role author
dc.contributor.unidadefgv.por.fl_str_mv Escolas::EAESP
dc.contributor.member.none.fl_str_mv Bertucci, Luiz Alberto
Eid Júnior, William
Farias, Lauro Emilio Gonzalez
Minardi, Andrea Maria Accioly Fonseca
dc.contributor.author.fl_str_mv Lhacer, Priscilla Maria Villa
dc.contributor.advisor1.fl_str_mv Garcia, Fábio Gallo
contributor_str_mv Garcia, Fábio Gallo
dc.subject.por.fl_str_mv Cooperativas de crédito
topic Cooperativas de crédito
Administração de empresas
Cooperativas de crédito
Crédito bancário - Brasil
Bancos - Brasil
dc.subject.area.por.fl_str_mv Administração de empresas
dc.subject.bibliodata.por.fl_str_mv Cooperativas de crédito
Crédito bancário - Brasil
Bancos - Brasil
description This work aims to study whether credit unions can influence loan and deposit interest rates charged by Brazilian commercial banks. We based our research on Monti-Klein model for banks, Smith model for credit unions and the theory of Fama and Jensen about agency problems in the banking system. Therefore, we develop a theoretical framework to analyze the interaction between commercial banks and credit unions in credit and deposits markets. The empirical tests showed that credit unions influence banking interest rates through their market share. Higher credit union´s market share is associated to higher bank interest rates in credit operations. No evidence of impact of credit union´s market share in bank interest rates to deposits was found.
publishDate 2012
dc.date.accessioned.fl_str_mv 2012-03-30T18:43:00Z
dc.date.available.fl_str_mv 2012-03-30T18:43:00Z
dc.date.issued.fl_str_mv 2012-02-29
dc.type.status.fl_str_mv info:eu-repo/semantics/publishedVersion
dc.type.driver.fl_str_mv info:eu-repo/semantics/doctoralThesis
format doctoralThesis
status_str publishedVersion
dc.identifier.citation.fl_str_mv LHACER, Priscilla Maria Villa. Cooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasil. Tese (Doutorado em Administração de Empresas) - FGV - Fundação Getúlio Vargas, São Paulo, 2012.
dc.identifier.uri.fl_str_mv http://hdl.handle.net/10438/9520
identifier_str_mv LHACER, Priscilla Maria Villa. Cooperativas de crédito e formação da taxa de juros nas operações bancárias: teoria e evidências empíricas para o Brasil. Tese (Doutorado em Administração de Empresas) - FGV - Fundação Getúlio Vargas, São Paulo, 2012.
url http://hdl.handle.net/10438/9520
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dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
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