Liberdade econômica e spread médio bancário: uma análise para os países sul-americanos (2000-2017)

• Autor(a) principal: Alves, Rafael Estevão Garcia
• Data de Publicação: 2020
• Tipo de documento: Dissertação
• Idioma: por
• Título da fonte: Biblioteca Digital de Teses e Dissertações do Mackenzie
• Texto Completo: http://dspace.mackenzie.br/handle/10899/27894
• topic: spread Bancário; crédito; liberdade econômica; América do Sul; CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA

This paper is an analysis study of bank spreads in South American countries and their relationship with economic freedom. Bank spread is a major element of the cost of credit as it represents the difference between the funding rate and the rate charged on lending operations. Thus, spread is one of the key components for increasing demand for credit in economies, as low spreads reduce borrowing costs and stimulate increased financing for investments, projects and consumption. This study aims to analyze the relationship between the level of economic freedom and the size of the bank spread in South America countries. The methodology adopted in this dissertation is quantitative, using panel data (cross section combined with time series).