Disponibilidad y obtención del crédito de las PYME : evidencia del mercado peruano
The objective of the present investigation is to analyze two important issues that contribute in great measure to the economic growing of the country, as is the growing and permanence of the SMEs, framed in the access to credit. These issues are the disponibility that have some peruvian financial in...
| Autor: | |
|---|---|
| Tipo de recurso: | tesis doctoral |
| Fecha de publicación: | 2015 |
| País: | España |
| Institución: | Universitat Politècnica de Catalunya (UPC) |
| Repositorio: | UPCommons. Portal del coneixement obert de la UPC |
| Idioma: | español |
| OAI Identifier: | oai:upcommons.upc.edu:2117/95715 |
| Acceso en línea: | https://hdl.handle.net/2117/95715 https://dx.doi.org/10.5821/dissertation-2117-95715 |
| Access Level: | acceso abierto |
| Palabra clave: | Economia d'empresa Empreses petites i mitjanes Àrees temàtiques de la UPC::Economia i organització d'empreses |
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Disponibilidad y obtención del crédito de las PYME : evidencia del mercado peruano |
| title |
Disponibilidad y obtención del crédito de las PYME : evidencia del mercado peruano |
| spellingShingle |
Disponibilidad y obtención del crédito de las PYME : evidencia del mercado peruano Montero Flores, Roberto Elías Economia d'empresa Empreses petites i mitjanes Àrees temàtiques de la UPC::Economia i organització d'empreses |
| title_short |
Disponibilidad y obtención del crédito de las PYME : evidencia del mercado peruano |
| title_full |
Disponibilidad y obtención del crédito de las PYME : evidencia del mercado peruano |
| title_fullStr |
Disponibilidad y obtención del crédito de las PYME : evidencia del mercado peruano |
| title_full_unstemmed |
Disponibilidad y obtención del crédito de las PYME : evidencia del mercado peruano |
| title_sort |
Disponibilidad y obtención del crédito de las PYME : evidencia del mercado peruano |
| dc.creator.none.fl_str_mv |
Montero Flores, Roberto Elías |
| author |
Montero Flores, Roberto Elías |
| author_facet |
Montero Flores, Roberto Elías |
| author_role |
author |
| dc.contributor.none.fl_str_mv |
Lafuente González, Esteban Miguel Vendrell Herrero, Ferran |
| dc.subject.none.fl_str_mv |
Economia d'empresa Empreses petites i mitjanes Àrees temàtiques de la UPC::Economia i organització d'empreses |
| topic |
Economia d'empresa Empreses petites i mitjanes Àrees temàtiques de la UPC::Economia i organització d'empreses |
| description |
The objective of the present investigation is to analyze two important issues that contribute in great measure to the economic growing of the country, as is the growing and permanence of the SMEs, framed in the access to credit. These issues are the disponibility that have some peruvian financial institutions and their propensity to get it. The academic literature revision shows that in some occasions the enterprises prefer to stay operating with own resources, or look for a foreign debt source, leaving to the end the new capital income, because this can contribute to the loss of enterprise control, as well as his permanence as such. The literature is limited from the point of view of the financial institutions because the most of this studies are make since the point of view of the SMEs, so in this investigation we will center in the empiric evidence obtained from the peruvian market, principally gotten from these financial institutions that are supervised by the regulator entity of the government Superintendencia de Banca, Seguros y Administradoras de Fondo de Pensiones (SBS) to give an approximation of the strategies that this financial institutions apply at the moment to give credit to the SMEs. Moreover, since the point of view of the SMEs has been analyzed, using empiric evidence, the factors that contributes to this kind of businesses to obtain credit from the financial institutions. From an important way focused in the fact of the SMEs permanency and subsistence and how this factor is important to the development of the country. For this aspect we search literature that allows us to know about different theories that refer to the credits awarded to the SMEs such as the Theory of the capital structure, the Theory of the hierarchical selection, the Theory of static equilibrium and the Theory of the asymmetry of the information. These theories let us to structure a theoretical model, the same that has been contrasted with the hypothesis in order to obtain our conclusions that are show in this investigation. Finally, uniting both aspects indicated previously we could find conclusions about the strategies that the financial institutions apply to the availability of SMEs credits and, moreover, those factors that make possible that these enterprises can obtain credit for their development and their permanence in the peruvian market. |
| publishDate |
2015 |
| dc.date.none.fl_str_mv |
2015 2015-06-16 2015 2015-07-17 |
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doctoral thesis http://purl.org/coar/resource_type/c_db06 VoR http://purl.org/coar/version/c_970fb48d4fbd8a85 |
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info:eu-repo/semantics/doctoralThesis |
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doctoralThesis |
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https://hdl.handle.net/2117/95715 https://dx.doi.org/10.5821/dissertation-2117-95715 |
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https://hdl.handle.net/2117/95715 https://dx.doi.org/10.5821/dissertation-2117-95715 |
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Español spa |
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Español |
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spa |
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open access http://purl.org/coar/access_right/c_abf2 |
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info:eu-repo/semantics/openAccess |
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open access http://purl.org/coar/access_right/c_abf2 |
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openAccess |
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application/pdf |
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Universitat Politècnica de Catalunya |
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Universitat Politècnica de Catalunya |
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reponame:UPCommons. Portal del coneixement obert de la UPC instname:Universitat Politècnica de Catalunya (UPC) |
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Universitat Politècnica de Catalunya (UPC) |
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UPCommons. Portal del coneixement obert de la UPC |
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UPCommons. Portal del coneixement obert de la UPC |
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1869408373408006144 |
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Disponibilidad y obtención del crédito de las PYME : evidencia del mercado peruanoMontero Flores, Roberto ElíasEconomia d'empresaEmpreses petites i mitjanesÀrees temàtiques de la UPC::Economia i organització d'empresesThe objective of the present investigation is to analyze two important issues that contribute in great measure to the economic growing of the country, as is the growing and permanence of the SMEs, framed in the access to credit. These issues are the disponibility that have some peruvian financial institutions and their propensity to get it. The academic literature revision shows that in some occasions the enterprises prefer to stay operating with own resources, or look for a foreign debt source, leaving to the end the new capital income, because this can contribute to the loss of enterprise control, as well as his permanence as such. The literature is limited from the point of view of the financial institutions because the most of this studies are make since the point of view of the SMEs, so in this investigation we will center in the empiric evidence obtained from the peruvian market, principally gotten from these financial institutions that are supervised by the regulator entity of the government Superintendencia de Banca, Seguros y Administradoras de Fondo de Pensiones (SBS) to give an approximation of the strategies that this financial institutions apply at the moment to give credit to the SMEs. Moreover, since the point of view of the SMEs has been analyzed, using empiric evidence, the factors that contributes to this kind of businesses to obtain credit from the financial institutions. From an important way focused in the fact of the SMEs permanency and subsistence and how this factor is important to the development of the country. For this aspect we search literature that allows us to know about different theories that refer to the credits awarded to the SMEs such as the Theory of the capital structure, the Theory of the hierarchical selection, the Theory of static equilibrium and the Theory of the asymmetry of the information. These theories let us to structure a theoretical model, the same that has been contrasted with the hypothesis in order to obtain our conclusions that are show in this investigation. Finally, uniting both aspects indicated previously we could find conclusions about the strategies that the financial institutions apply to the availability of SMEs credits and, moreover, those factors that make possible that these enterprises can obtain credit for their development and their permanence in the peruvian market.El objetivo del presente trabajo de investigación es analizar dos aspectos importantes que constituyen en gran medida al crecimiento económico del país, como lo es el crecimiento y permanencia de la PYME, enmarcado en el acceso al crédito. Estos aspectos son la disponibilidad que tienen por parte de las instituciones financieras peruanas y la propensión que tienen de obtenerlo. La revisión de la literatura académica muestra que en ocasiones las empresas prefieren mantenerse operando con recursos propios, o buscan una fuente externa vía endeudamiento, dejando al final el ingreso de nuevo capital, pues este puede contribuir a la pérdida de control de la empresa, así como a su permanencia como tal. la literatura es limitada desde el punto de vista de las instituciones financieras puesto que la mayoría de estudios se realiza desde el punto de vista de las PYME, por lo que en esta investigación nos centramos en la evidencia empírica obtenida del mercado peruano, principalmente de aquellas instituciones financieras que son supervisadas por el ente regulador del gobierno como es la Superintendencia de Banca, Seguros y Administradoras de Fondo de Pensiones (SBS) para dar una aproximación a las estrategias que estas instituciones financieras aplican al momento de otorgar crédito a las PYME. Por otro lado, desde el punto de vista de las PYME se ha analizado, mediante evidencia empírica, los factores que propician que este tipo de empresas obtengan crédito de las instituciones financieras. De una forma importante centrados en el hecho de la permanencia y subsistencia de las PYME y como factor predominante en el crecimiento del país. Para este aspecto se ha ubicado literatura que nos ha dado a conocer diferentes teorías referidas al crédito hacia las PYME como la Teoría de la estructura del capital, Teoría de la selección jerárquica, Teoría de equilibrio estático y la Teoría de la información asimétrica. Estas teorías nos han permitido determinar un modelo teórico el mismo que ha sido contrastado con las hipótesis para obtener las conclusiones que se presentan en esta investigación. Por último, al unir ambos aspectos indicados anteriormente hemos podido encontrar conclusiones sobre las estrategias que las instituciones financieras aplican para la disponibilidad del crédito a las PYME y por otro lado aquellos factores que hacen posible que estas empresas obtengan crédito para su crecimiento, permanencia en el mercado peruano.Universitat Politècnica de CatalunyaLafuente González, Esteban MiguelVendrell Herrero, Ferran20152015-06-1620152015-07-17doctoral thesishttp://purl.org/coar/resource_type/c_db06VoRhttp://purl.org/coar/version/c_970fb48d4fbd8a85info:eu-repo/semantics/doctoralThesisapplication/pdfhttps://hdl.handle.net/2117/95715https://dx.doi.org/10.5821/dissertation-2117-95715reponame:UPCommons. Portal del coneixement obert de la UPCinstname:Universitat Politècnica de Catalunya (UPC)Españolspaopen accesshttp://purl.org/coar/access_right/c_abf2info:eu-repo/semantics/openAccessoai:upcommons.upc.edu:2117/957152026-05-27T15:37:01Z |
| score |
15.300724 |