Factores determinantes del número de relaciones bancarias

• Autores: Txomin Iturralde, Amaia Maseda García, Leire San Jose
• Localización: Revista europea de dirección y economía de la empresa, ISSN 1019-6838, Vol. 19, Nº 3, 2010, págs. 113-126
• Idioma: español
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• Resumen

  • En este trabajo se analizan las variables determinantes del número de relaciones bancarias que contratan las empresas, utilizando el análisis logit y la regresión binomial negativa. Además de las variables utilizadas en estudios previos (dimensión empresarial, endeudamiento, edad y rentabilidad), se incorpora el uso de la banca electrónica. Los resultados muestran que las empresas de mayor tamaño, más jóvenes y más endeudadas mantienen un mayor número de relaciones bancarias. Por el contrario, no se puede confirmar la relación entre rentabilidad y número de entidades financieras con las que trabaja la empresa. En lo que respecta a la influencia de las TIC en el número de relaciones bancarias, los resultados obtenidos indican que las empresas que más utilizan la banca electrónica tienden a trabajar con un menor número de entidades financieras.

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