{"id":"https://openalex.org/W3122954879","doi":null,"title":"Regulaci\u00f3n prudencial y ciclos de cr\u00e9dito: un enfoque microecon\u00f3mico","display_name":"Regulaci\u00f3n prudencial y ciclos de cr\u00e9dito: un enfoque microecon\u00f3mico","publication_year":2000,"publication_date":"2000-01-01","ids":{"openalex":"https://openalex.org/W3122954879","mag":"3122954879"},"language":"es","primary_location":{"id":"pmh:oai:RePEc:bku:doctra:2000008","doi":null,"is_oa":false,"landing_page_url":"https://www.bcu.gub.uy/Estadisticas-e-Indicadores/Documentos%20de%20Trabajo/8.2000.pdf","pdf_url":"https://www.bcu.gub.uy/Estadisticas-e-Indicadores/Documentos%20de%20Trabajo/8.2000.pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"preprint"},"volume":null,"type":"preprint","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://dialnet.unirioja.es/descarga/articulo/3183830.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5013563859","display_name":"Mario E. Bergara","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210114270","display_name":"Banco Central del Uruguay","ror":"https://ror.org/024z18394","country_code":"UY","type":"other","lineage":["https://openalex.org/I4210114270"]}],"countries":["UY"],"is_corresponding":false,"raw_author_name":"Mario Bergara Mario Bergara","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5044400345","display_name":"Jos\u00e9 Antonio Licandro","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Jos\u00e9 Antonio Licandro","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":1,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":"25","issue":"2","first_page":"141","last_page":"160"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10007","display_name":"Monetary Policy and Economic Impact","score":0.0005000000237487257,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10503","display_name":"Global Financial Crisis and Policies","score":0.00019999999494757503,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/prudential-regulation","display_name":"prudential regulation","score":0.984000027179718},{"id":"https://openalex.org/keywords/capital-requirements","display_name":"capital requirements","score":0.8519999980926514},{"id":"https://openalex.org/keywords/loan-loss-provisions","display_name":"loan loss provisions","score":0.6240000128746033},{"id":"https://openalex.org/keywords/credit-cycles","display_name":"credit cycles","score":0.460999995470047},{"id":"https://openalex.org/keywords/business-cycles","display_name":"business cycles","score":0.6389999985694885},{"id":"https://openalex.org/keywords/moral-hazard","display_name":"moral hazard","score":0.5180000066757202},{"id":"https://openalex.org/keywords/risk-taking-incentives","display_name":"risk-taking incentives","score":0.5799999833106995}],"concepts":[{"id":"https://openalex.org/C15708023","wikidata":"https://www.wikidata.org/wiki/Q80083","display_name":"Humanities","level":1,"score":0.5903583765029907},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.3602386713027954},{"id":"https://openalex.org/C121332964","wikidata":"https://www.wikidata.org/wiki/Q413","display_name":"Physics","level":0,"score":0.33738964796066284},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.2772648334503174}],"mesh":[],"locations_count":4,"locations":[{"id":"pmh:oai:RePEc:bku:doctra:2000008","doi":null,"is_oa":false,"landing_page_url":"https://www.bcu.gub.uy/Estadisticas-e-Indicadores/Documentos%20de%20Trabajo/8.2000.pdf","pdf_url":"https://www.bcu.gub.uy/Estadisticas-e-Indicadores/Documentos%20de%20Trabajo/8.2000.pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"preprint"},{"id":"mag:3122954879","doi":null,"is_oa":false,"landing_page_url":"https://econpapers.repec.org/RePEc:bku:doctra:2000008","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"RePEc: Research Papers in Economics","raw_type":null},{"id":"mag:47925586","doi":null,"is_oa":true,"landing_page_url":"https://dialnet.unirioja.es/descarga/articulo/3183830.pdf","pdf_url":null,"source":{"id":"https://openalex.org/S4210185312","display_name":"Revista de Econom\u00eda Facultad de Econom\u00eda Universidad Aut\u00f3noma de Yucat\u00e1n","issn_l":"2395-8715","issn":["2395-8715"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["cwts-core","doaj","latindex","scielo"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Revista de Econom\u00eda Facultad de Econom\u00eda Universidad Aut\u00f3noma de Yucat\u00e1n","raw_type":null},{"id":"pmh:oai:dialnet.unirioja.es:ART0000345653","doi":null,"is_oa":false,"landing_page_url":"https://dialnet.unirioja.es/servlet/oaiart?codigo=3183830","pdf_url":null,"source":{"id":"https://openalex.org/S4306401293","display_name":"Dialnet (Universidad de la Rioja)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I168974976","host_organization_name":"Universidad de La Rioja","host_organization_lineage":["https://openalex.org/I168974976"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Revista de econom\u00eda, ISSN 0797-5546, Vol. 8, N\u00ba. 2, 2001, pags. 167-188","raw_type":"text (article)"}],"best_oa_location":{"id":"mag:47925586","doi":null,"is_oa":true,"landing_page_url":"https://dialnet.unirioja.es/descarga/articulo/3183830.pdf","pdf_url":null,"source":{"id":"https://openalex.org/S4210185312","display_name":"Revista de Econom\u00eda Facultad de Econom\u00eda Universidad Aut\u00f3noma de Yucat\u00e1n","issn_l":"2395-8715","issn":["2395-8715"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["cwts-core","doaj","latindex","scielo"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Revista de Econom\u00eda Facultad de Econom\u00eda Universidad Aut\u00f3noma de Yucat\u00e1n","raw_type":null},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7096236821","https://openalex.org/W2953401091","https://openalex.org/W7204797276","https://openalex.org/W1561714591","https://openalex.org/W2974737542","https://openalex.org/W2035221619","https://openalex.org/W4232678105","https://openalex.org/W7005399404","https://openalex.org/W2752085216","https://openalex.org/W2996383265"],"abstract_inverted_index":{"Existe":[0],"la":[1,5,9,59,98,149,156,170],"idea":[2],"generalizada":[3],"que":[4,65,79,139,148],"regulaci\u00f3n":[6],"prudencial":[7],"amplifica":[8],"variabilidad":[10],"del":[11,54,100,103,122,137],"cr\u00e9dito":[12,55,101],"otorgado":[13],"por":[14,19,72,86,117,127],"las":[15,66,107,115],"entidades":[16],"bancarias,":[17],"exacerbando,":[18],"tanto,":[20],"el":[21,51,76,87,128,134,164],"ciclo":[22],"econ\u00f3mico.":[23],"Para":[24],"analizar":[25],"estos":[26],"aspectos":[27],"en":[28,113,120,167],"un":[29,35,91],"marco":[30],"de":[31,38,40,58,61,68,96,106,124,143,152,172],"consistencia,":[32],"se":[33,81],"elabora":[34],"modelo":[36],"sencillo":[37],"selecci\u00f3n":[39],"portafolio":[41],"con":[42],"microfundamentos.":[43],"Se":[44],"concluye":[45],"que,":[46,85],"bajo":[47],"ciertas":[48],"condiciones":[49],"generales,":[50],"comportamiento":[52],"proc\u00edclico":[53],"depende":[56,102],"b\u00e1sicamente":[57],"miop\u00eda":[60],"los":[62,141,160],"banqueros":[63],"y":[64,70],"normas":[67],"capitalizaci\u00f3n":[69],"previsionamiento":[71],"incobrabilidad":[73,118],"no":[74,132],"ejercen":[75],"efecto":[77,92],"amplificador":[78],"normalmente":[80],"les":[82],"imputa":[83],"sino":[84],"contrario,":[88],"suelen":[89],"tener":[90],"amortiguador.":[93],"La":[94],"capacidad":[95],"mitigar":[97],"prociclicidad":[99],"dise\u00f1o":[104],"concreto":[105],"normas:":[108],"una":[109],"soluci\u00f3n":[110],"implementable":[111],"consiste":[112],"determinar":[114],"previsiones":[116],"corrientes":[119],"funci\u00f3n":[121],"riesgo":[123],"incumplimiento":[125],"ajustado":[126],"ciclo.":[129],"Este":[130],"aspecto":[131],"resuelve":[133],"problema":[135],"t\u00edpico":[136],"banquero":[138],"percibe":[140],"riesgos":[142],"manera":[144,153],"miope,":[145],"pero":[146],"hace":[147],"normativa":[150],"mitigue":[151],"m\u00e1s":[154],"eficaz":[155],"prociclicidad,":[157],"sin":[158],"sacrificar":[159],"incentivos":[161],"para":[162],"combatir":[163],"da\u00f1o":[165],"moral":[166],"cuanto":[168],"a":[169],"toma":[171],"riesgos.":[173]},"counts_by_year":[{"year":2015,"cited_by_count":1}],"updated_date":"2026-11-01T11:40:01.658920","created_date":"2021-02-01T00:00:00"}