Incidencia de la diversificación del mercado crediticio en la rentabilidad del Banco Continental del Perú: 2010-2019
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Date
2021
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Universidad Nacional de Trujillo
Abstract
El objetivo general de la presente investigación es determinar la incidencia de la diversificación del mercado crediticio en la rentabilidad del Banco Continental del Perú (BBVA): 2010-2019. El estudio es no experimental de corte longitudinal y correlacional. Mediante un modelo de econométrico se evalúa el grado de incidencia de la variable diversificación del mercado y las variables de control sobre la rentabilidad de la institución. Se halló que la diversificación del mercado de créditos tiene una incidencia inversa y significativa sobre la rentabilidad del Banco Continental. Donde su rentabilidad, tuvo una dism Scotiabank y Banco Continental. Por último, la evidencia econométrica indica un buen ajuste de modelo. Donde, la diversificación (B1= -2.42) tiene incidencia inversa y significativa; mientras que la participación de mercado (B2= 0.04), la liquidez (B3= 0.05), la eficiencia (B4= 1.77) y la solvencia (B5= 0.03) tienen incidencia directa y significativa. Las variables consideradas explican el 97.6% la rentabilidad del Banco Continental.
ABSTRACT The general objective of this research is to determine the impact of the diversification of the credit market on the profitability of Banco Continental del Perú (BBVA): 2010-2019. The study is non-experimental, longitudinal and correlational. Using an econometric model, the degree of incidence of the market diversification variable and the control variables on the profitability of the institution is evaluated. It was found that the diversification of the credit market has an inverse and significant impact on the profitability of Banco Continental. Where its profitability had a decrease in the analyzed period and this market behaves like an oligopoly where the main financial companies that participate are Banco de Crédito del Perú (BCP), Scotiabank and Banco Continental. Finally, the econometric evidence indicates a good model fit. Where, diversification (B1 = -2.42) has an inverse and significant incidence; while market share (B2 = 0.04), liquidity (B3 = 0.05), efficiency (B4 = 1.77) and solvency (B5 = 0.03) have a direct and significant impact. The variables considered explain 97.6% the profitability of Banco Continental.
ABSTRACT The general objective of this research is to determine the impact of the diversification of the credit market on the profitability of Banco Continental del Perú (BBVA): 2010-2019. The study is non-experimental, longitudinal and correlational. Using an econometric model, the degree of incidence of the market diversification variable and the control variables on the profitability of the institution is evaluated. It was found that the diversification of the credit market has an inverse and significant impact on the profitability of Banco Continental. Where its profitability had a decrease in the analyzed period and this market behaves like an oligopoly where the main financial companies that participate are Banco de Crédito del Perú (BCP), Scotiabank and Banco Continental. Finally, the econometric evidence indicates a good model fit. Where, diversification (B1 = -2.42) has an inverse and significant incidence; while market share (B2 = 0.04), liquidity (B3 = 0.05), efficiency (B4 = 1.77) and solvency (B5 = 0.03) have a direct and significant impact. The variables considered explain 97.6% the profitability of Banco Continental.
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Keywords
Mercado financiero, Rentabilidad, Crédito