Determinantes del Spread en las Tasas de Interés Bancarias en Costa Rica

Abstract

Determine the factors that determine the Costa Rican banking spread, through an analysis of qualitative data with information from the Costa Rican financial system using the methodology used in similar other studies prepared for Latin America, which consist in analize the microeconomic, macroeconomic and institutional variables that theoretically affect the composition of the spread and compare it to the specific case of Costa Rica by an expert opinion. Also, this investigation made a comparison between the Costa Rican bank spread to other countries in the region between the period 2005 to 2014, in order to visualize the evolution that has taken this indicator in recent years was performed. This type of study could be useful to discern certain regulatory measures that can be applied in Costa Rica to improve financial intermediation margin.