Viva o FMI! Fora bancos! (ou vice-versa)

Todo mundo vê na TV aquele bando de gente gritando: “fora fmi! abaixo banqueiros!”

E quando um economista do FMI escreve um artigo onde cita evidências de que os bancos na América Latina são economicamente ineficientes? Ahá! Ok, a opinião não necessariamente representa a da instituição (o que, qualquer bobo sabe, evita problemas maiores com censores autoritários).

Aí vai o abstract:

Intermediation spreads in Latin America are high by international standards. This paper examines the determinants of bank interest margins in that region using bank- and countrylevel data from 85 countries, including 14 Latin American economies. The results suggest that Latin America has higher interest rates, less efficient banks, and larger reserve requirements than other regions and that these factors have a significant impact on spreads. However, Latin American countries do not differ markedly from their peers in other aspects that are found important in determining the cost of financial intermediation, such as inflation and bank profit taxation.

Gostou? Vai lá ler…

Claudio

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