Estrategias Competitivas de los Bancos Nacionales y Extranjeros en México después del TLCAN

Francisco Vargas Serrano; Miguel Ángel Vázquez Ruiz; Oscar Alfredo Erquizio Espinal

MERCADOS EMERGENTES Y LA INTERCULTURALIDAD

Vol. 1 Núm. 1 (2007): El fomento de la competitividad en los países en vías de desarrollo. ISBN: 978-968-9514-00-8

Estrategias Competitivas de los Bancos Nacionales y Extranjeros en México después del TLCAN

Francisco Vargas Serrano⁺⁻
Miguel Ángel Vázquez Ruiz⁺⁻
Oscar Alfredo Erquizio Espinal⁺⁻

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Enviado: julio 20, 2016
Publicado: 2007-11-23

Resumen

El objetivo de este trabajo es comparar las estrategias competitivas de los bancos comerciales de capital nacional establecidos en México con las correspondientes de los bancos extranjeros, dos años después de que entró en vigor el TLCAN.
La hipótesis principal es que los bancos extranjeros comparados con los bancos nacionales se desempeñan en mejores condiciones debido a que existe una cultura bancaria cualitativamente distinta, la cual se refleja en diferentes estrategias financieras. El análisis se realiza a partir de tres grupos de indicadores básicos: riesgo, rentabilidad y crecimiento.

Citas

Awdeh, A. (2005). Domestic Banks´ and Foreign Banks´ Profitability: Differences and Determinants. London: Cass Business School.
Banco de México. (1994). Informe Anual. México: Banco de México.
Barajas, A., R. Steiner,and N. Salazar, (2000). “Foreign Investment in Colombia's Financial Sector,” in Claessens, S. and Marion Jansen, (eds.) The Internationalization of Financial Services: Issues and Lessons for Developing Countries, Boston, Mass.: Kluwer Academic Press.
Berger, N. Allen, Robert DeYoung, Hesna Genay y Gregory F. Udell (2000).Globalization of Financial Institutions: Evidence from Cross-Border Banking Performance. U.S.A: Brookings -Wharton Papers on Financial Services.
Bonin, P. John, Iftekhar Hasan y Paul Wachtel. (2004) Privatization Matters: Bank Efficency in Transition Countries.World Bank Conference on Bank Privatization. Washington, D.C.: World Bank.
Botteron, P. (2001): Real Options as a Tool in the Decision to Relocate: An Application to The Banking Industry. Thunderbird International Business Review, Volume 43, Issue 3, Pp. 469 – 479.
Chakravarty, S.P. and Altunbas, Y. (1998) Efficiency Measures and the Banking Structure in Europe. Economic Letters, 60, 205-208.
Claessens, Stijn; Asli Demirgüç-Kunt, and Harry Huizinga(1998). How Does Foreign Entry Affect the Domestic Banking Market? Policy Research Working Paper (1918). Washington, D.C.: World Bank.
Claessens, S y Laeven, L. (2003). What Drives Bank Competition? Some International Evidence. World Bank Policy Research. Working Paper 3113. Washington, D.C.: World Bank.
Clarke, George, Robert Cull, Maria Soledad Martinez Peria y Susana M. Sanchez. (2001). Foreign Bank Entry: Experience, Implications for Developing Countries, and Agenda for Further Research. Washington, D.C.: The World Bank.
Demirgüç-Kunt, Asli y Harry Huizinga (1998).Determinants of Commercial Bank Interest Margin and Profitability: Some International Evidence. Washington, D.C.: The World Bank.
De Paula, L. F. (2002).Banking Internationalisation and the Expansion Strategies or European Banks to Brazil during the 1990s. Austria: Société Universitaire Européenne de Recherches Financières.
Dueñas, R. (2003). Metodología de Panzar y Rosse para la Medición de Competencia en la Banca Mexicana a Partir de la Entrada de Capital Extranjero (1997-2002). Instituto Tecnológico Autónomo de México. Gaceta de Economía, Año 9, Núm. 17.
Dymski, G. A. (2002). The Global Bank Merger Wave: Implications for Developing Countries. Deparment of Economics; USA: University of California.
Chantapong, S. (2005). Cost Efficiency of Domestic and Foreign Banks in Thailand: Evidence from Panel Data. Working Paper. Alemania: University of Hannover.
Garrido, C. (2001). Fusiones y Adquisiciones Transfronterizas en Mexico Durante los Años Noventa. Serie Desarrollo Productivo, Num. 111. Santiago de Chile: CEPAL.
Haber, S. y Musacchio, A. (2005) Foreign Banks and the Mexican Economy, 1997-2004. Working Paper. USA: Stanford University.
Havrylchyk, O. (2006). Efficiency of the Polish Banking Industry: Foreign Versus National Banks. Journal of Banking & Finance. Vol. 30, Num. 7.
Isik, I. et al. (2003) Assesing the Relationship Between Liberalization, Ownership and Performance: The Case of Turkish Banks.Working Paper.USA: Rowan University.
Jeon, Y., Miller, S.M. y Natke, P.A. (2005). Do Foreign Bank Operation Provide a Stabilizing Influence in Korea? The Quarterly Review of Economics and Finance. 46(2006) 82-109.
Kosmidou, K., Pasiouras F., Floropoulos, J. (2004). Linking Profits to Asset-Liability Management of Domestic and Foreign Bank in the UK. Applied Financial Economics, 14, 1319-1324.
Kimball, C. R. (1998). “Economic Profit and Performance Measurement in Banking”, New England Economic Review. Julio-Agosto.
Leung, M. K.; Rigby, D; y Young, T. (2003). Entry of Foreign Banks in the People´s Republic of China: a Survival Analysis. Applied Economics, 2003, 35, 21-31.
Levine, R. (1996). Foreign Banks, Financial Development, and Economic Growth, En Barfield, E. Claude. International Financial Markets Harmonization Versus Competition, 224-254. Washington, D.C.: The AEI Press.
Levy, Y. E. y Micco, A. (2003). Concentration and Foreign Penetration in Latin American Banking Sectors: Impact on Competition and Risk. Documento de Trabajo 12/2003. Centro de Investigación en Finanzas, Escuela de Negocios. Argentina: Universidad Torcuato Di Tella y IADB.
Magri, S, et al (2004). The Entry and the Activity level of Foreign Banks in Italy: An Analysis of the Determinants. Journal of Banking & Finance, Vol. 29, No. 5, Mayo 2005, Pp. 1295-1310.
Mansell C. C. (1992). Las Nuevas Finanzas en México, p. 454. México: Milenio-Itam-Imef.
Majnoni, G., Shankar, R. y Várhegyi, É. (2003). The Dynamics of Foreign Bank Ownership: Evidence from Hungary. Policy Research, Working Paper 3114, Washington, D.C.: World Bank.
Martinez, P. M.S. y Mody, A. (2004). How Foreign Participation and Market Concentration Impact Bank Spreads: Evidence from Latin America. World Bank Policy Research, Working Paper 3210. Washington, D.C.: World Bank.
Mian, A. (2004). Distance Constraints: The Limits of Foreign Lending In Poor Economies. Graduate School of Business. U.S.A.: University of Chicago.
Micco, Alejandro; Ugo Panizza y Mónica Yañez (2004). Bank Ownership and Performance. Argentina.:IADB.
Montinola, G. y Moreno, R. (2001). The Political Economy of Foreign Bank Entry and Its Impact: Theory and a Case Study. Center for Pacific Basin Monetary and Economic Studies, Working Paper PB01-11. USA: Federal Reserve Bank of San Francisco.
Molyneaux, P. y Rama, S. (1996) Foreign Banks, Profits and Commercial Credit Extension in the United States. Research Paper (9628). USA: Federal Reserve Bank of New York.
Morgan, P. D y Strahan, E.P. (2003). Foreign Bank Entry and Business Volatility: Evidence from U.S. States and Other Countries. Working Paper No. 9710. USA: N.B.E.R.
Nigh, Douglas; Kang Rae Shao y Suresh, Krishnan (1986). The Role of Location-related Factors in US Banking Involvement Abroad: An Empirical Examination. Journal of International Business Studies, 17, 59-72.
Nolle, E. D. y Rama, S. (1996). Do Banks Follow Their Customers Abroad? Research Paper (9620). USA: Federal Reserve Bank of New York.
Porter, E. M. (1980). Competitive Strategy: Techniques for Analyzing Industries and Competitors. U.S.A.: Free Press.
Ramos, M. Alberto. 1998. Capital Structures and Portfolio Composition During Banking Crisis: Lesons from Argentina 1995. Working Paper. USA: International Monetary Fund.
SECOFI (1998) Tratado de Libre Comercio de América del Norte, (14), 442-459, (anexo 7, 10651076). México: Ed. Porrúa.
Sánchez, P. Esther. (2001) Internacionalización de la Banca Española: Evolución y Resultados en los Años Noventa. ICE Sector Exterior Español, No. 794, pp. 137-162. España: Ministerio de Industria y Comercio.
Sathye, M. (2002). The Impact of Foreign Banks on Market Concentration: The Case of India. Applied Econometrics and International Development. Vol. 2-1, pp. 7-20.
Sturm, J. y Williams, B. (2005).What Determines Differences In Foreign Bank Efficiency? Australian Evidence. Working Paper No. 1587. Alemania: Cesifo.
Sturm, J. y Williams, B. (2002).Deregulation, Entry of Foreign Banks and Bank Efficiency in Australia. Working Paper No. 816. Alemania: Cesifo.
Unal, H. y Navarro, M. (1997). The Technical Process of Bank Privatization in Mexico. USA: The Wharton Financial Institutions Center.
Williams, Barry. (1998). Factors affecting the Performance of Foreign-owned banks in Australia: A cross- sectional study. Journal of Banking and Finance, 22, 197-219.
Williams, B. (2002). The Defensive Expansion Approach to Multinational Banking: Evidence to Date. Financial Markets, Institutions & Instruments. Vol. 11, No. 2. pp. 127-203.
Yamori, N. Nobuyoshi. (1998). A Note on the Location Choice of Multinational Banks: The Case of Japanese Financial Institutions. Journal of Banking & Finance, 22, 109-120.

Cómo citar

Vargas Serrano, F., Vázquez Ruiz, M. Ángel, & Erquizio Espinal, O. A. (2007). Estrategias Competitivas de los Bancos Nacionales y Extranjeros en México después del TLCAN. Repositorio De La Red Internacional De Investigadores En Competitividad, 1(1). Recuperado a partir de https://riico.net/index.php/riico/article/view/1075

Derechos de autor 2016 Memorias del Congreso de la Red Internacional de Investigadores en Competitividad

Esta obra está bajo una licencia internacional Creative Commons Atribución-NoComercial 4.0.

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[1] Awdeh, A. (2005). Domestic Banks´ and Foreign Banks´ Profitability: Differences and Determinants. London: Cass Business School.

[2] Banco de México. (1994). Informe Anual. México: Banco de México.

[3] Barajas, A., R. Steiner,and N. Salazar, (2000). “Foreign Investment in Colombia's Financial Sector,” in Claessens, S. and Marion Jansen, (eds.) The Internationalization of Financial Services: Issues and Lessons for Developing Countries, Boston, Mass.: Kluwer Academic Press.

[4] Berger, N. Allen, Robert DeYoung, Hesna Genay y Gregory F. Udell (2000).Globalization of Financial Institutions: Evidence from Cross-Border Banking Performance. U.S.A: Brookings -Wharton Papers on Financial Services.

[5] Bonin, P. John, Iftekhar Hasan y Paul Wachtel. (2004) Privatization Matters: Bank Efficency in Transition Countries.World Bank Conference on Bank Privatization. Washington, D.C.: World Bank.

[6] Botteron, P. (2001): Real Options as a Tool in the Decision to Relocate: An Application to The Banking Industry. Thunderbird International Business Review, Volume 43, Issue 3, Pp. 469 – 479.

[7] Chakravarty, S.P. and Altunbas, Y. (1998) Efficiency Measures and the Banking Structure in Europe. Economic Letters, 60, 205-208.

[8] Claessens, Stijn; Asli Demirgüç-Kunt, and Harry Huizinga(1998). How Does Foreign Entry Affect the Domestic Banking Market? Policy Research Working Paper (1918). Washington, D.C.: World Bank.

[9] Claessens, S y Laeven, L. (2003). What Drives Bank Competition? Some International Evidence. World Bank Policy Research. Working Paper 3113. Washington, D.C.: World Bank.

[10] Clarke, George, Robert Cull, Maria Soledad Martinez Peria y Susana M. Sanchez. (2001). Foreign Bank Entry: Experience, Implications for Developing Countries, and Agenda for Further Research. Washington, D.C.: The World Bank.

[11] Demirgüç-Kunt, Asli y Harry Huizinga (1998).Determinants of Commercial Bank Interest Margin and Profitability: Some International Evidence. Washington, D.C.: The World Bank.

[12] De Paula, L. F. (2002).Banking Internationalisation and the Expansion Strategies or European Banks to Brazil during the 1990s. Austria: Société Universitaire Européenne de Recherches Financières.

[13] Dueñas, R. (2003). Metodología de Panzar y Rosse para la Medición de Competencia en la Banca Mexicana a Partir de la Entrada de Capital Extranjero (1997-2002). Instituto Tecnológico Autónomo de México. Gaceta de Economía, Año 9, Núm. 17.

[14] Dymski, G. A. (2002). The Global Bank Merger Wave: Implications for Developing Countries. Deparment of Economics; USA: University of California.

[15] Chantapong, S. (2005). Cost Efficiency of Domestic and Foreign Banks in Thailand: Evidence from Panel Data. Working Paper. Alemania: University of Hannover.

[16] Garrido, C. (2001). Fusiones y Adquisiciones Transfronterizas en Mexico Durante los Años Noventa. Serie Desarrollo Productivo, Num. 111. Santiago de Chile: CEPAL.

[17] Haber, S. y Musacchio, A. (2005) Foreign Banks and the Mexican Economy, 1997-2004. Working Paper. USA: Stanford University.

[18] Havrylchyk, O. (2006). Efficiency of the Polish Banking Industry: Foreign Versus National Banks. Journal of Banking & Finance. Vol. 30, Num. 7.

[19] Isik, I. et al. (2003) Assesing the Relationship Between Liberalization, Ownership and Performance: The Case of Turkish Banks.Working Paper.USA: Rowan University.

[20] Jeon, Y., Miller, S.M. y Natke, P.A. (2005). Do Foreign Bank Operation Provide a Stabilizing Influence in Korea? The Quarterly Review of Economics and Finance. 46(2006) 82-109.

[21] Kosmidou, K., Pasiouras F., Floropoulos, J. (2004). Linking Profits to Asset-Liability Management of Domestic and Foreign Bank in the UK. Applied Financial Economics, 14, 1319-1324.

[22] Kimball, C. R. (1998). “Economic Profit and Performance Measurement in Banking”, New England Economic Review. Julio-Agosto.

[23] Leung, M. K.; Rigby, D; y Young, T. (2003). Entry of Foreign Banks in the People´s Republic of China: a Survival Analysis. Applied Economics, 2003, 35, 21-31.

[24] Levine, R. (1996). Foreign Banks, Financial Development, and Economic Growth, En Barfield, E. Claude. International Financial Markets Harmonization Versus Competition, 224-254. Washington, D.C.: The AEI Press.

[25] Levy, Y. E. y Micco, A. (2003). Concentration and Foreign Penetration in Latin American Banking Sectors: Impact on Competition and Risk. Documento de Trabajo 12/2003. Centro de Investigación en Finanzas, Escuela de Negocios. Argentina: Universidad Torcuato Di Tella y IADB.

[26] Magri, S, et al (2004). The Entry and the Activity level of Foreign Banks in Italy: An Analysis of the Determinants. Journal of Banking & Finance, Vol. 29, No. 5, Mayo 2005, Pp. 1295-1310.

[27] Mansell C. C. (1992). Las Nuevas Finanzas en México, p. 454. México: Milenio-Itam-Imef.

[28] Majnoni, G., Shankar, R. y Várhegyi, É. (2003). The Dynamics of Foreign Bank Ownership: Evidence from Hungary. Policy Research, Working Paper 3114, Washington, D.C.: World Bank.

[29] Martinez, P. M.S. y Mody, A. (2004). How Foreign Participation and Market Concentration Impact Bank Spreads: Evidence from Latin America. World Bank Policy Research, Working Paper 3210. Washington, D.C.: World Bank.

[30] Mian, A. (2004). Distance Constraints: The Limits of Foreign Lending In Poor Economies. Graduate School of Business. U.S.A.: University of Chicago.

[31] Micco, Alejandro; Ugo Panizza y Mónica Yañez (2004). Bank Ownership and Performance. Argentina.:IADB.

[32] Montinola, G. y Moreno, R. (2001). The Political Economy of Foreign Bank Entry and Its Impact: Theory and a Case Study. Center for Pacific Basin Monetary and Economic Studies, Working Paper PB01-11. USA: Federal Reserve Bank of San Francisco.

[33] Molyneaux, P. y Rama, S. (1996) Foreign Banks, Profits and Commercial Credit Extension in the United States. Research Paper (9628). USA: Federal Reserve Bank of New York.

[34] Morgan, P. D y Strahan, E.P. (2003). Foreign Bank Entry and Business Volatility: Evidence from U.S. States and Other Countries. Working Paper No. 9710. USA: N.B.E.R.

[35] Nigh, Douglas; Kang Rae Shao y Suresh, Krishnan (1986). The Role of Location-related Factors in US Banking Involvement Abroad: An Empirical Examination. Journal of International Business Studies, 17, 59-72.

[36] Nolle, E. D. y Rama, S. (1996). Do Banks Follow Their Customers Abroad? Research Paper (9620). USA: Federal Reserve Bank of New York.

[37] Porter, E. M. (1980). Competitive Strategy: Techniques for Analyzing Industries and Competitors. U.S.A.: Free Press.

[38] Ramos, M. Alberto. 1998. Capital Structures and Portfolio Composition During Banking Crisis: Lesons from Argentina 1995. Working Paper. USA: International Monetary Fund.

[39] SECOFI (1998) Tratado de Libre Comercio de América del Norte, (14), 442-459, (anexo 7, 10651076). México: Ed. Porrúa.

[40] Sánchez, P. Esther. (2001) Internacionalización de la Banca Española: Evolución y Resultados en los Años Noventa. ICE Sector Exterior Español, No. 794, pp. 137-162. España: Ministerio de Industria y Comercio.

[41] Sathye, M. (2002). The Impact of Foreign Banks on Market Concentration: The Case of India. Applied Econometrics and International Development. Vol. 2-1, pp. 7-20.

[42] Sturm, J. y Williams, B. (2005).What Determines Differences In Foreign Bank Efficiency? Australian Evidence. Working Paper No. 1587. Alemania: Cesifo.

[43] Sturm, J. y Williams, B. (2002).Deregulation, Entry of Foreign Banks and Bank Efficiency in Australia. Working Paper No. 816. Alemania: Cesifo.

[44] Unal, H. y Navarro, M. (1997). The Technical Process of Bank Privatization in Mexico. USA: The Wharton Financial Institutions Center.

[45] Williams, Barry. (1998). Factors affecting the Performance of Foreign-owned banks in Australia: A cross- sectional study. Journal of Banking and Finance, 22, 197-219.

[46] Williams, B. (2002). The Defensive Expansion Approach to Multinational Banking: Evidence to Date. Financial Markets, Institutions & Instruments. Vol. 11, No. 2. pp. 127-203.

[47] Yamori, N. Nobuyoshi. (1998). A Note on the Location Choice of Multinational Banks: The Case of Japanese Financial Institutions. Journal of Banking & Finance, 22, 109-120.