An analysis of commercial banking financing in Mexico 1994-2022

After almost thirty years, a growing commercial and financial openness has been observed, as well as a significant reduction in the participation of the State in the Mexican economy, changes that were originally established as first generation structural reforms and with the government of 2012. Thes...

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Detalles Bibliográficos
Autor principal: Vega Miranda, Faustino
Formato: Artículo publishedVersion
Lenguaje:Español
Publicado: CIMBAGE - IADCOM - Facultad de Ciencias Económicas - Universidad de Buenos Aires 2023
Materias:
FINANCIARIZACIÓN
FINANCIAMIENTO
INSTITUCIONES Y SERVICIOS FINANCIEROS
FINANCIALIZATION
FINANCING
INSTITUTIONS AND FINANCIAL SERVICES
Acceso en línea:https://ojs.economicas.uba.ar/CIMBAGE/article/view/2891
https://repositoriouba.sisbi.uba.ar/gsdl/cgi-bin/library.cgi?a=d&c=cimbage&d=2891_oai
Aporte de:
Repositorio Digital de la Universidad de Buenos Aires (UBA) de Universidad de Buenos Aires
id I28-R145-2891_oai
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institution Universidad de Buenos Aires
institution_str I-28
repository_str R-145
collection Repositorio Digital de la Universidad de Buenos Aires (UBA)
language Español
orig_language_str_mv spa
topic FINANCIARIZACIÓN
FINANCIAMIENTO
INSTITUCIONES Y SERVICIOS FINANCIEROS
FINANCIALIZATION
FINANCING
INSTITUTIONS AND FINANCIAL SERVICES
spellingShingle FINANCIARIZACIÓN
FINANCIAMIENTO
INSTITUCIONES Y SERVICIOS FINANCIEROS
FINANCIALIZATION
FINANCING
INSTITUTIONS AND FINANCIAL SERVICES
Vega Miranda, Faustino
An analysis of commercial banking financing in Mexico 1994-2022
topic_facet FINANCIARIZACIÓN
FINANCIAMIENTO
INSTITUCIONES Y SERVICIOS FINANCIEROS
FINANCIALIZATION
FINANCING
INSTITUTIONS AND FINANCIAL SERVICES
description After almost thirty years, a growing commercial and financial openness has been observed, as well as a significant reduction in the participation of the State in the Mexican economy, changes that were originally established as first generation structural reforms and with the government of 2012. These changes were continued with the second-generation reforms (legal regulations). In the original narrative, these macro changes would bring about high rates of economic growth as credit would flow to sectors that needed it to encourage productive activities that the Mexican government had not been able to help. However, this has not happened. In this sense, the objective of the research is to know the role of commercial banking through the study of the distribution of financing that it grants to two economic actors (households and companies) in Mexico in the period 1994-2022. In this way, the text is developed describing, in a general way, the context in which the structural changes in the Mexican economy occurred in said period of analysis, emphasizing what is related to financial liberalization. Secondly, the increase in finance in the economies is characterized as financialization processes and concludes with the contrast of the credit dynamics (consumer and industrial sector) in the Mexican economy with the review of the specialized literature on financialization. Based on the results achieved, a series of actions and lines of research are proposed to continue studying the subject.
format Artículo
publishedVersion
author Vega Miranda, Faustino
author_facet Vega Miranda, Faustino
author_sort Vega Miranda, Faustino
title An analysis of commercial banking financing in Mexico 1994-2022
title_short An analysis of commercial banking financing in Mexico 1994-2022
title_full An analysis of commercial banking financing in Mexico 1994-2022
title_fullStr An analysis of commercial banking financing in Mexico 1994-2022
title_full_unstemmed An analysis of commercial banking financing in Mexico 1994-2022
title_sort analysis of commercial banking financing in mexico 1994-2022
publisher CIMBAGE - IADCOM - Facultad de Ciencias Económicas - Universidad de Buenos Aires
publishDate 2023
url https://ojs.economicas.uba.ar/CIMBAGE/article/view/2891
https://repositoriouba.sisbi.uba.ar/gsdl/cgi-bin/library.cgi?a=d&c=cimbage&d=2891_oai
work_keys_str_mv AT vegamirandafaustino ananalysisofcommercialbankingfinancinginmexico19942022
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spelling I28-R145-2891_oai2025-02-11 Vega Miranda, Faustino 2023-11-27 After almost thirty years, a growing commercial and financial openness has been observed, as well as a significant reduction in the participation of the State in the Mexican economy, changes that were originally established as first generation structural reforms and with the government of 2012. These changes were continued with the second-generation reforms (legal regulations). In the original narrative, these macro changes would bring about high rates of economic growth as credit would flow to sectors that needed it to encourage productive activities that the Mexican government had not been able to help. However, this has not happened. In this sense, the objective of the research is to know the role of commercial banking through the study of the distribution of financing that it grants to two economic actors (households and companies) in Mexico in the period 1994-2022. In this way, the text is developed describing, in a general way, the context in which the structural changes in the Mexican economy occurred in said period of analysis, emphasizing what is related to financial liberalization. Secondly, the increase in finance in the economies is characterized as financialization processes and concludes with the contrast of the credit dynamics (consumer and industrial sector) in the Mexican economy with the review of the specialized literature on financialization. Based on the results achieved, a series of actions and lines of research are proposed to continue studying the subject. Después de casi de treinta años, se ha observado una creciente apertura comercial y financiera, así como una importante reducción de la participación del Estado en la economía mexicana, cambios que de origen se establecieron como reformas estructurales de primera generación y con el gobierno de 2012 se dio continuidad a esos cambios con las reformas de segunda generación (reglamentaciones legales). En la narrativa original, estos macro cambios traerían consigo altas tasas de crecimiento económico pues el crédito fluiría a sectores que lo necesitaran para incentivar actividades productivas que el gobierno mexicano no había podido ayudar. Sin embargo, esto no ha sucedido. En ese sentido, el objetivo de la investigación es conocer el papel de la banca comercial por medio del estudio de la distribución del financiamiento que otorga a dos actores económicos (hogares y empresas) en México en el periodo 1994-2022. De tal forma, el texto se desarrolla describiendo, de manera general, el contexto en el que se dieron los cambios estructurales en la economía mexicana en dicho periodo de análisis, enfatizando lo relacionado con la liberación financiera. En segundo lugar, se caracterizó el aumento de las finanzas en las economías como procesos de financiarización y se concluye con el contraste de la dinámica de los créditos (consumo y al sector industrial) en la economía mexicana con la revisión de la literatura especializada sobre financiarización. Con base en los resultados alcanzados, se proponen una serie de acciones y líneas de investigación para seguir estudiando el tema. application/pdf text/html https://ojs.economicas.uba.ar/CIMBAGE/article/view/2891 10.56503/CIMBAGE/Vol.2/Nro.25(2023)p.1-13 spa CIMBAGE - IADCOM - Facultad de Ciencias Económicas - Universidad de Buenos Aires https://ojs.economicas.uba.ar/CIMBAGE/article/view/2891/3716 https://ojs.economicas.uba.ar/CIMBAGE/article/view/2891/3753 Derechos de autor 2023 Cuadernos del CIMBAGE Cuadernos del CIMBAGE; Vol. 2 No. 25 (2023): Cuadernos del CIMBAGE N°25 (Diciembre 2023); 1-13 Cuadernos del CIMBAGE; Vol. 2 Núm. 25 (2023): Cuadernos del CIMBAGE N°25 (Diciembre 2023); 1-13 1669-1830 1666-5112 FINANCIARIZACIÓN FINANCIAMIENTO INSTITUCIONES Y SERVICIOS FINANCIEROS FINANCIALIZATION FINANCING INSTITUTIONS AND FINANCIAL SERVICES An analysis of commercial banking financing in Mexico 1994-2022 Un análisis del financiamiento de la banca comercial en México 1994-2022 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion https://repositoriouba.sisbi.uba.ar/gsdl/cgi-bin/library.cgi?a=d&c=cimbage&d=2891_oai

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