preferência pela liquidez, racionamento de crédito e concentração bancária uma nova teoria pós-keynesiana da firma bancária

Clicks: 171
ID: 231908
2005
Free PDF
Article Quality & Performance Metrics
Overall Quality
Not rated
Combines reader engagement with the AI quality analysis. This article has not been analysed, so there is no overall score — reader engagement is measured and shown alongside.
AI Quality Assessment
Not analyzed
Readership in this journal
Steady

Ranked #24 of 42 articles by views in trends in biochemical sciences

Most read Least read

Bar heights use a square-root scale.

Mint this article as an NFT
Not yet minted

Create a permanent, verifiable on-chain record of this article on the Scimatic Network. The NFT is held in your Journament account, and you can withdraw it to your own wallet at any time.

5 SUSD one-off · no wallet required
Sign in to mint
Abstract
O presente artigo tem por objetivo apresentar um modelo geral de firma bancária que incorpore a teoria pós-keynesiana da preferência pela liquidez dos bancos, a hipótese Stiglitz-Weiss de que a taxa de inadimplência dos devedores é uma função crescente da taxa de juros e a hipótese tobiniana de que a proporção dos depósitos que o banco consegue reter é uma função crescente do grau de concentração do setor bancário. Esse modelo geral nos permite obter três conclusões importantes. Em primeiro lugar, demonstra-se que o spread bancário ótimo é uma função crescente do grau de concentração do setor bancário. Em se-gundo lugar, demonstra-se que um aumento da taxa básica de juros irá resultar (i) numa redução do spread bancário ótimo e (ii) numa redução do volume de crédito ofertado pelo banco. Por fim, demonstra-se que um aumento do grau de concentração tem um efeito ambíguo sobre a oferta de crédito bancário.
The objective of the present article is to present a general model of the banking firm beha-vior which encompasses the post Keynesian theory of bank's liquidity preference, the Stiglitz-Weiss´s hypothesis that expected default rate is an increasing function of loan interest rate and the Tobinisque hypothesis that the deposit retention coefficient is an increasing function of the concentration ratio in banking industry. This general model allows us to arrive at some interesting conclusions. First of all, we show that the optimal banking spread is an increasing function of the concentration ratio in banking industry. Second, we show that an increase in the level of the interest rate controlled by the Central Bank will (i) reduce the optimal level of the banking spread, and (ii) will reduce de supply of banking credit. Last, but not least, we show that an increase in the concentration ratio in banking industry has an ambiguous effect over the supply of banking credit.
Reference Key
oreiro2005estudospreferncia Use this key to autocite in the manuscript while using SciMatic Manuscript Manager or Thesis Manager
Authors José Luís Oreiro
Are you one of these authors? Claim your profile
Journal trends in biochemical sciences
Year 2005
DOI
10.1590/S0101-41612005000100004
URL
http://www.scielo.br/scielo.php?script=sci_arttext&pid=S0101-41612005000100004
Keywords
bancos

Citations

No citations found. To add a citation, contact the admin at info@scimatic.org

Comments

No comments yet. Be the first to comment on this article.