Guillermo ZamarripaInstituto Tecnológico Autónomo de México (ITAM) · Department of Economics
Guillermo Zamarripa
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13
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Introduction
Skills and Expertise
Publications
Publications (13)
We establish new facts about the way consumers allocate debt among their credit cards using data for a representative sample of cardholders in Mexico. We find that relative prices are weak predictors of the allocation of debt, purchases, and payments. Consumers allocate a large fraction of their debt to high-interest cards, incurring a cost of 31 p...
La red de cajeros automáticos es uno de los tres pilares de la infraestructura bancaria de cualquier país. Además, es un vehículo necesario para facilitarle a los usuarios del sistema financiero hacer transacciones de manera conveniente, y es un elemento para promover la inclusión financiera.
El presente trabajo, único en su tipo, combina un estud...
This chapter is about contagion among financial systems in a world that is global and interconnected. It argues that contagion effects from the recent financial crisis will have direct implications for reshaping the regulatory and supervisory framework.
Most cardholders have more than one credit card, yet, it is not evident how these individuals manage their accounts. In this paper we construct a novel data set that includes information on all the credit cards held by more than 10,000 consumers in Mexico in 2004 and 2005 and empirically study the intra-temporal allocation of debt, payments and pur...
In many countries, banks lend to firms controlled by the bank's owners. We examine the benefits of related lending using a newly assembled data set for Mexico. Related lending is prevalent (20 percent of commercial loans) and takes place on better terms than arm's-length lending (annual interest rates are 4 percentage points lower). Related loans a...
This paper presents direct evidence on an important feature of banking systems in many countries around the world: related lending. Related lending refers to lending by banks to persons who control or own the bank and/or to borrowers controlled, or owned by the same persons who control or own the bank. Using credit-level data for Mexico, we show th...
After a long period of economic stagnation and repression of private sector credit that ended in 1988, Mexico experienced explosive growth of the supply and demand for loanable funds on account of both structural changes and a more favorable macroeconomic environment. At the end of 1994, the economy was vulnerable due to the overindebtedness of fir...
Privatization is tied to dereRulatiofl. This paper studies the effects of deregulation and privatization on commercial banks in Mexico. Our sample allows us to examine the stock market's response to different deregulation and privatization policy actions, The mere announcement of privatization of the banking system produced a mean abnormal ret...
Resumen de un análisis de riesgo crediticio. El documento se compone de: Topos de riesgo y las instituciones financieras; Administración crediticia; Regulación actual de la cartera de créditos comerciales; metodología paramétrica para la medición de la probabilidad de no-pago de créditos comerciales; aplicación del modelo paramétrico y conclusiones...
Tesis (Licenciado en economía) Instituto Tecnológico Autónomo de México.