¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela

Este estudo apresenta evidência empírica para a economia venezuelana (entre 1970 e 2009) da possível relação que existe entre o acesso e o uso dos serviços financeiros por parte da população e o grau de desenvolvimento humano. Ao usar várias proxies de bancarização, o estudo encontra resultados fort...

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Autores:: Vera, Leonardo
Hernández, Albany
Osorio, Dorelia

Tipo de recurso:: Article of journal

Fecha de publicación:: 2013

Institución:: Universidad Católica de Colombia

Repositorio:: RIUCaC - Repositorio U. Católica

Idioma:: spa

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dc.title.spa.fl_str_mv	¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela
title	¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela
spellingShingle	¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela DESARROLLO HUMANO BANCARIZACIÓN PROFUNDIDAD FINANCIERA DESARROLLO FINANCIERO VENEZUELA
title_short	¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela
title_full	¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela
title_fullStr	¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela
title_full_unstemmed	¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela
title_sort	¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela
dc.creator.fl_str_mv	Vera, Leonardo Hernández, Albany Osorio, Dorelia
dc.contributor.author.spa.fl_str_mv	Vera, Leonardo Hernández, Albany Osorio, Dorelia
dc.subject.proposal.spa.fl_str_mv	DESARROLLO HUMANO BANCARIZACIÓN PROFUNDIDAD FINANCIERA DESARROLLO FINANCIERO VENEZUELA
topic	DESARROLLO HUMANO BANCARIZACIÓN PROFUNDIDAD FINANCIERA DESARROLLO FINANCIERO VENEZUELA
description	Este estudo apresenta evidência empírica para a economia venezuelana (entre 1970 e 2009) da possível relação que existe entre o acesso e o uso dos serviços financeiros por parte da população e o grau de desenvolvimento humano. Ao usar várias proxies de bancarização, o estudo encontra resultados fortes que indicam que uma maior rede de serviços e cobertura de depositantes explica as melhorias relatadas no Índice de Desenvolvimento Humano (IDH). O IDH também é impactado positivamente pela evolução que o preço real dos hidrocarbonetos petroleiros e o gasto público por habitante vêm tomando. Dessa maneira, a análise se afasta da muito conhecida, mas controvertida, relação entre desenvolvimento financeiro e crescimento econômico, cujo cunho explicativo se centraliza nos lucros de eficiência para se concentrar mais na importância que tem a massificação dos serviços financeiros no bem-estar da população.
publishDate	2013
dc.date.issued.spa.fl_str_mv	2013-01
dc.date.accessioned.spa.fl_str_mv	2018-09-28T20:58:17Z
dc.date.available.spa.fl_str_mv	2018-09-28T20:58:17Z
dc.type.spa.fl_str_mv	Artículo de revista
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dc.identifier.citation.spa.fl_str_mv	Vera, L., Hernández, A. & Osorio, D. (2013). ¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela Revista Finanzas y Política Económica, 5 (1) 23-42. Obtenido de https://editorial.ucatolica.edu.co/ojsucatolica/revistas_ucatolica/index.php/RFYPE/article/view/451/449
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dc.identifier.uri.spa.fl_str_mv	https://hdl.handle.net/10983/18245
identifier_str_mv	Vera, L., Hernández, A. & Osorio, D. (2013). ¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela Revista Finanzas y Política Económica, 5 (1) 23-42. Obtenido de https://editorial.ucatolica.edu.co/ojsucatolica/revistas_ucatolica/index.php/RFYPE/article/view/451/449 2248-6046
url	https://hdl.handle.net/10983/18245
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language	spa
dc.relation.ispartof.spa.fl_str_mv	Revista Finanzas y Política Económica, Vol. 5, no. 1 (ene. – jun. 2013) p. 23-42.
dc.relation.references.spa.fl_str_mv	Anastasi, A., Blanco, E., Elosegui, P. & Sangiácomo, M. (2006). Bancarization and Determinants of Availability of Banking Services in Argentina (Working Paper 15). Buenos Aires: Investigaciones Económicas, Banco Central de la República Argentina. Ang, J. (2008). A Survey of Recent Developments in the Literature of Finance and Growth. Journal of Economic Surveys, 22, 536-577. Arestis, P. & Demetriades, P. (1997). Financial Development and Economic Growth: Assessing the Evidence. The Economic Journal, 107(442), 783-799. Asian Development Bank (2005). The Changing Face of the Microfinance Industry: Building Financial Systems for the Poor (Theme Paper No. 14). Manila: ADB. Barro, R. (1991). Economic Growth in a Cross Section of Countries. The Quarterly Journal of Economics, 106, 407-443. Beck, T. & Augusto de la Torre (2005). The Analytics of Access to Finance: Introducing the Access Possibilities Frontier (mimeo). World Bank. Beck, T., Demirgüç-Kunt, A. & Martinez, M. S. (2005). Reaching Out Access to and use of Banking Services Across Countries (World Bank Policy Research Working Paper N° 3754). Washington D.C.: World Bank. Beck, T., Demirgüç-Kunt, A. & Martinez, M. S. (2006). Banking Services for Everyone? Barriers to Bank Access and Use around the World (World Bank Policy Research Working Paper N° 4079). Washington D.C.: World Bank. Chaia, A., Dalal, A., Goland, T., Gonzalez, M. J., Morduch, J. & Schiff, R. (2009). Half the World is Unbanke (Financial Access Initiative Framing Note). New York: Financial Access Initiative. Claessens, S. (2006). Access to Financial Services: A Review of the Issues and Public Policy Objectives. The World Bank Research Observer, 21(2), 207-240. Davies, A. & Quinlivan, G. (2006). A Panel Data Analysis of the Impact of Trade on Social Welfare. Journal of Socioeconomics, 35(5), 868-876. Deaton, A. (1991). Household Savings in LDCs: Credit Markets, Insurance and Welfare. Scandinavian Journal of Economics, 94(2), 253-273. Demetriades, P. O. & Andrianova, S. (2004) Finance and Growth: What We Know and What We Need to Know. En C. A. E. Goodhart (Ed.), Financial Development and Growth: Explaining the Links (pp. 38-65). Basingstoke: Palgrave Macmillan Demirguc-Kunt, A. & Levine, R. (2008). Finance, Financial Sector Policies, and Long-Run Growth (Policy Research Working Paper Series 4469). Washington D.C.: The World Bank. Elliott, G., Rothenberg, T. J. & Stock, J. H. (1996). Efficient Tests for an Autoregressive Unit Root. Econometrica, 64(4), 813-836. Ellis, K., Lemma, A. & Rud, J. P. (2010). Investigating the Impact of Access to Financial Services on Household Investment. London: Overseas Development Institute, UK Department for International Development. Eswaran, M. & Kotwal, A. (1990). Implications of Credit Constraints for Risk Behaviour in Less Developed Economies. Oxford Economic Papers, 42(2), 473-482. Federación Latinoamericana de Bancos. (2007). ¿Qué sabemos sobre bancarización en América Latina? Un inventario de fuentes de datos y literatura. Bogotá Fernando, N. (2007). Low-Income Households Access to Financial Services. Philippines: Asian Development Bank. Gurley, J. G. & Shaw, E. S. (1955). Financial Aspects of Economic Development. American Economic Review, 45(4), 515-538. Goldsmith, R. W. (1969). Financial Structure and Development. New Haven, CT: Yale University Press. Helms, B. (2006). Access for All: Building Inclusive Financial Systems. Washington, D.C.: World Bank. Honohan, P. (2008). Cross-Country Variation in Household Access to Financial Services. Journal of Banking and Finance, 32(11), 2493-2500. Kappel, V. (2010). The Effects of Financial Development on Income Inequality and Poverty. Zurich: Center of Economic Research at ETH Zurich. Swiss Federal Institute of Technology Zurich. King, R. G. & Levine, R. (1993). Finance and Growth: Schumpeter Might Be Right. Quarterly Journal of Economics, 108, 717-737. McKinnon, R. I. (1973). Money and Capital in Economic Development. Washington, D.C.: Brookings Institution. Morales, L. & Yañez, A. (2008). La Bancarización en Chile, concepto y medición (Serie Técnica Superintendencia de Bancos e Instituciones Financieras de Chile). Santiago de Chile. Patrick, H. T. (1966). Financial Development and Economic Growth in Underdeveloped Countries. Economic Development and Cultural Change, 14, 174-189. Programa de las Naciones Unidas para el Desarrollo. (2010). Informe de desarrollo humano 2010. Nueva York. Rashmi, A. (2010). Measuring Financial Access. Gold Coast: Griffith University. N. 2010-07. Rojas Suárez, L. (2005). El acceso a los servicios bancarios en América Latina: identificación de obstáculos. Madrid: Secretaría General Iberoamericana. Ruiz, J. M. (2007). Bancarización en Latinoamérica, un desafío para los bancos españoles. Revista de Estabilidad Financiera, 13, 1-20. Sarma, M. (2008). Index of Financial Inclusion. Delhi: Indian Council for Research on International Economic Relations. Sarma, M. & Pais, J. (2008). Financial Inclusion and Development. A Cross Country Analysis. Presentation for the Annual Conference of the Human Development and Capability Association, New Delhi, 10-13 September 2008. Shaw, E. S. (1973). Financial Deepening in Economic Development. New York: Oxford University Press. Stone, R. (2005). Financial Access Indicators Stocktake (Paper prepared for DFID Emerging Markets Economics). London: Deparment for International Development. United Nations. (2006). Building Inclusive Financial Sectors for Development. New York: United Nations. Von Pischke, J. D. (1998). Poverty, Human Development and Financial Services (Occasional Paper nº 25). New York: United Nations Development Program.
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spelling	Vera, Leonardod6e9cfce-3dff-482b-9747-b09a541f81a5-1Hernández, Albanyb9cb74e5-97a0-4677-8e50-11260a40cd58-1Osorio, Dorelia38ed0d7f-c0ef-4b97-826d-f5cdd29544be-12018-09-28T20:58:17Z2018-09-28T20:58:17Z2013-01Este estudo apresenta evidência empírica para a economia venezuelana (entre 1970 e 2009) da possível relação que existe entre o acesso e o uso dos serviços financeiros por parte da população e o grau de desenvolvimento humano. Ao usar várias proxies de bancarização, o estudo encontra resultados fortes que indicam que uma maior rede de serviços e cobertura de depositantes explica as melhorias relatadas no Índice de Desenvolvimento Humano (IDH). O IDH também é impactado positivamente pela evolução que o preço real dos hidrocarbonetos petroleiros e o gasto público por habitante vêm tomando. Dessa maneira, a análise se afasta da muito conhecida, mas controvertida, relação entre desenvolvimento financeiro e crescimento econômico, cujo cunho explicativo se centraliza nos lucros de eficiência para se concentrar mais na importância que tem a massificação dos serviços financeiros no bem-estar da população.Este estudio presenta evidencia empírica para la economía venezolana (entre los años 1970 y 2009) de la posible relación que existe entre el acceso y uso de los servicios financieros por parte de la población y el grado de desarrollo humano. Usando varias proxis de bancarización, el estudio encuentra resultados robustos que indican que una mayor red de servicios y cobertura de depositantes explica las mejoras reportadas en el índice de desarrollo humano (IDH). El IDH también es impactado positivamente por la evolución que ha tomado el precio real de los hidrocarburos petroleros y el gasto público por habitante. De esta manera, el análisis se aleja de la muy conocida, pero controvertida relación entre desarrollo financiero y crecimiento económico, cuyo cuño explicativo se centra en las ganancias de eficiencia, para concentrarse más bien en la importancia que tiene la masificación de los servicios financieros en el bienestar de la población.This study presents empirical evidence for Venezuelan economy (between 1970 and 2009) regarding a possible relation between how people access and use financing services and human development level. Using several proxies for access to banking services, the study finds robust results that indicate that a larger net of services and coverage of depositors explains reported improvements in Human Development Index (HDI). Evolutions of the real price of petroleum hydrocarbon and of the government expenditure per capita have had a positive impact on HDI. Thus, the analysis drifts apart from the well known, but controversial, connection between financial development and economic growth which is based on efficiency profits and it rather concentrates on the importance that financing services massification has on people's welfare.application/pdfVera, L., Hernández, A. & Osorio, D. (2013). ¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela Revista Finanzas y Política Económica, 5 (1) 23-42. Obtenido de https://editorial.ucatolica.edu.co/ojsucatolica/revistas_ucatolica/index.php/RFYPE/article/view/451/4492248-6046https://hdl.handle.net/10983/18245spaUniversidad Católica de Colombia. Facultad de Ciencias Económicas y AdministrativasRevista Finanzas y Política Económica, Vol. 5, no. 1 (ene. – jun. 2013) p. 23-42.Anastasi, A., Blanco, E., Elosegui, P. & Sangiácomo, M. (2006). Bancarization and Determinants of Availability of Banking Services in Argentina (Working Paper 15). Buenos Aires: Investigaciones Económicas, Banco Central de la República Argentina.Ang, J. (2008). A Survey of Recent Developments in the Literature of Finance and Growth. Journal of Economic Surveys, 22, 536-577.Arestis, P. & Demetriades, P. (1997). Financial Development and Economic Growth: Assessing the Evidence. The Economic Journal, 107(442), 783-799.Asian Development Bank (2005). The Changing Face of the Microfinance Industry: Building Financial Systems for the Poor (Theme Paper No. 14). Manila: ADB.Barro, R. (1991). Economic Growth in a Cross Section of Countries. The Quarterly Journal of Economics, 106, 407-443.Beck, T. & Augusto de la Torre (2005). The Analytics of Access to Finance: Introducing the Access Possibilities Frontier (mimeo). World Bank.Beck, T., Demirgüç-Kunt, A. & Martinez, M. S. (2005). Reaching Out Access to and use of Banking Services Across Countries (World Bank Policy Research Working Paper N° 3754). Washington D.C.: World Bank.Beck, T., Demirgüç-Kunt, A. & Martinez, M. S. (2006). Banking Services for Everyone? Barriers to Bank Access and Use around the World (World Bank Policy Research Working Paper N° 4079). Washington D.C.: World Bank.Chaia, A., Dalal, A., Goland, T., Gonzalez, M. J., Morduch, J. & Schiff, R. (2009). Half the World is Unbanke (Financial Access Initiative Framing Note). New York: Financial Access Initiative.Claessens, S. (2006). Access to Financial Services: A Review of the Issues and Public Policy Objectives. The World Bank Research Observer, 21(2), 207-240.Davies, A. & Quinlivan, G. (2006). A Panel Data Analysis of the Impact of Trade on Social Welfare. Journal of Socioeconomics, 35(5), 868-876.Deaton, A. (1991). Household Savings in LDCs: Credit Markets, Insurance and Welfare. Scandinavian Journal of Economics, 94(2), 253-273.Demetriades, P. O. & Andrianova, S. (2004) Finance and Growth: What We Know and What We Need to Know. En C. A. E. Goodhart (Ed.), Financial Development and Growth: Explaining the Links (pp. 38-65). Basingstoke: Palgrave MacmillanDemirguc-Kunt, A. & Levine, R. (2008). Finance, Financial Sector Policies, and Long-Run Growth (Policy Research Working Paper Series 4469). Washington D.C.: The World Bank.Elliott, G., Rothenberg, T. J. & Stock, J. H. (1996). Efficient Tests for an Autoregressive Unit Root. Econometrica, 64(4), 813-836.Ellis, K., Lemma, A. & Rud, J. P. (2010). Investigating the Impact of Access to Financial Services on Household Investment. London: Overseas Development Institute, UK Department for International Development.Eswaran, M. & Kotwal, A. (1990). Implications of Credit Constraints for Risk Behaviour in Less Developed Economies. Oxford Economic Papers, 42(2), 473-482.Federación Latinoamericana de Bancos. (2007). ¿Qué sabemos sobre bancarización en América Latina? Un inventario de fuentes de datos y literatura. BogotáFernando, N. (2007). Low-Income Households Access to Financial Services. Philippines: Asian Development Bank.Gurley, J. G. & Shaw, E. S. (1955). Financial Aspects of Economic Development. American Economic Review, 45(4), 515-538.Goldsmith, R. W. (1969). Financial Structure and Development. New Haven, CT: Yale University Press.Helms, B. (2006). Access for All: Building Inclusive Financial Systems. Washington, D.C.: World Bank.Honohan, P. (2008). Cross-Country Variation in Household Access to Financial Services. Journal of Banking and Finance, 32(11), 2493-2500.Kappel, V. (2010). The Effects of Financial Development on Income Inequality and Poverty. Zurich: Center of Economic Research at ETH Zurich. Swiss Federal Institute of Technology Zurich.King, R. G. & Levine, R. (1993). Finance and Growth: Schumpeter Might Be Right. Quarterly Journal of Economics, 108, 717-737.McKinnon, R. I. (1973). Money and Capital in Economic Development. Washington, D.C.: Brookings Institution.Morales, L. & Yañez, A. (2008). La Bancarización en Chile, concepto y medición (Serie Técnica Superintendencia de Bancos e Instituciones Financieras de Chile). Santiago de Chile.Patrick, H. T. (1966). Financial Development and Economic Growth in Underdeveloped Countries. Economic Development and Cultural Change, 14, 174-189.Programa de las Naciones Unidas para el Desarrollo. (2010). Informe de desarrollo humano 2010. Nueva York.Rashmi, A. (2010). Measuring Financial Access. Gold Coast: Griffith University. N. 2010-07.Rojas Suárez, L. (2005). El acceso a los servicios bancarios en América Latina: identificación de obstáculos. Madrid: Secretaría General Iberoamericana.Ruiz, J. M. (2007). Bancarización en Latinoamérica, un desafío para los bancos españoles. Revista de Estabilidad Financiera, 13, 1-20.Sarma, M. (2008). Index of Financial Inclusion. Delhi: Indian Council for Research on International Economic Relations.Sarma, M. & Pais, J. (2008). Financial Inclusion and Development. A Cross Country Analysis. Presentation for the Annual Conference of the Human Development and Capability Association, New Delhi, 10-13 September 2008.Shaw, E. S. (1973). Financial Deepening in Economic Development. New York: Oxford University Press.Stone, R. (2005). Financial Access Indicators Stocktake (Paper prepared for DFID Emerging Markets Economics). London: Deparment for International Development.United Nations. (2006). Building Inclusive Financial Sectors for Development. New York: United Nations.Von Pischke, J. D. (1998). Poverty, Human Development and Financial Services (Occasional Paper nº 25). New York: United Nations Development Program.Derechos Reservados - Universidad Católica de Colombia, 2013info:eu-repo/semantics/openAccessAtribución-NoComercial-SinDerivadas 4.0 Internacional (CC BY-NC-ND 4.0)https://creativecommons.org/licenses/by-nc-nd/4.0/http://purl.org/coar/access_right/c_abf2https://editorial.ucatolica.edu.co/ojsucatolica/revistas_ucatolica/index.php/RFYPE/article/view/451/449DESARROLLO HUMANOBANCARIZACIÓNPROFUNDIDAD FINANCIERADESARROLLO FINANCIEROVENEZUELA¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para VenezuelaArtículo de revistahttp://purl.org/coar/resource_type/c_6501http://purl.org/coar/resource_type/c_2df8fbb1Textinfo:eu-repo/semantics/articlehttp://purl.org/redcol/resource_type/ARTinfo:eu-repo/semantics/publishedVersionhttp://purl.org/coar/version/c_970fb48d4fbd8a85PublicationORIGINAL2Puede el desarrollo financiero promover el desarrollo humano Evidencia para Venezuela.pdf2Puede el desarrollo financiero promover el desarrollo humano Evidencia para Venezuela.pdfapplication/pdf1473424https://repository.ucatolica.edu.co/bitstreams/3337826a-ac1c-4601-88f5-45b0ffd4992f/download2df256e23d0a98853692b8d99b3a379bMD51TEXT2Puede el desarrollo financiero promover el desarrollo humano Evidencia para Venezuela.pdf.txt2Puede el desarrollo financiero promover el desarrollo humano Evidencia para Venezuela.pdf.txtExtracted texttext/plain67929https://repository.ucatolica.edu.co/bitstreams/50aba58b-0032-49f8-8f78-ffccb60f9813/download4c024df92f3438f343157266bbe47be1MD52THUMBNAIL2Puede el desarrollo financiero promover el desarrollo humano Evidencia para Venezuela.pdf.jpg2Puede el desarrollo financiero promover el desarrollo humano Evidencia para Venezuela.pdf.jpgRIUCACimage/jpeg25644https://repository.ucatolica.edu.co/bitstreams/c05958f9-5d83-4cf6-ba00-91ff0b085f35/download9a210dbb7395403a02d90fed5ede6b0dMD5310983/18245oai:repository.ucatolica.edu.co:10983/182452023-03-24 15:59:49.818https://creativecommons.org/licenses/by-nc-nd/4.0/Derechos Reservados - Universidad Católica de Colombia, 2013https://repository.ucatolica.edu.coRepositorio Institucional Universidad Católica de Colombia - RIUCaCbdigital@metabiblioteca.com

¿Puede el desarrollo financiero promover el desarrollo humano? Evidencia para Venezuela

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