El spread bancario frente a la regulación de tasas. / The bank spread facing the interest rate regulation.

  • Iván Weigandi
Palabras clave: Rentabilidad bancaria, Política monetaria, Tasas de interés, Bank profitability, Monetary policy, Interest rates

Resumen

Este trabajo busca analizar los efectos de la disposición de tasas activas máximas y tasas pasivas mínimas por parte del Banco Central de la República Argentina sobre el spread entre el cociente de ingresos financieros sobre los préstamos y el cociente de los egresos sobre los depósitos de los bancos privados que operaron en Argentina en el periodo 20122015. Luego de enumerar algunos modelos teóricos post-keynesianos para explicar cómo definen las diferentes tasas nominales los bancos comerciales, se analiza desde los estados financieros, como se comporto efectivamente el spread bajo las distintas regulaciones de la autoridad monetaria central. Los resultados demuestran que mas allá de las tasas máximas y mínimas, el spread efectivo no disminuyó, sino todo lo contrario.

ABSTRACT:

This paper aims to analyze the effects that maximum lending rates and minimum time deposit rates provided by the Central Bank of Argentina had on the spread between the ratio of financial income on loans, and the ratio of financial expenditures on the private banks deposits, operating in Argentina between 2012 and 2015. After reviewing some post-keynesians theories to explain how the commercial banks define the different nominal rates, this article analyzes, based on the financial statements, the actual spread behavior under the regulations of the central monetary authority. The results show that beyond the maximum and minimum rates, the effective spread does not decrease, but quite the opposite.

Citas

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Publicado
2020-03-26
Cómo citar
Weigandi, I. (2020). El spread bancario frente a la regulación de tasas. / The bank spread facing the interest rate regulation. Revista De Ciencias Empresariales │Universidad Blas Pascal, (2 (2016), 18-35. https://doi.org/10.37767/2468-9785(2016)002