<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0185-1667</journal-id>
<journal-title><![CDATA[Investigación económica]]></journal-title>
<abbrev-journal-title><![CDATA[Inv. Econ]]></abbrev-journal-title>
<issn>0185-1667</issn>
<publisher>
<publisher-name><![CDATA[Universidad Nacional Autónoma de México, Facultad de Economía]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0185-16672021000300109</article-id>
<article-id pub-id-type="doi">10.22201/fe.01851667p.2021.317.77127</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Las finanzas de los hogares mexicanos: análisis con redes bayesianas]]></article-title>
<article-title xml:lang="en"><![CDATA[The finance of Mexican households: analysis with Bayesian networks]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Dávila Aragón]]></surname>
<given-names><![CDATA[Griselda]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Ortiz Arango]]></surname>
<given-names><![CDATA[Francisco]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Cabrera Llanos]]></surname>
<given-names><![CDATA[Agustín I.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Panamericana Escuela de Ciencias Económicas y Empresariales ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Panamericana Escuela de Ciencias Económicas y Empresariales ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Instituto Politécnico Nacional Unidad Profesional Interdisciplinaria de Biotecnología ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>09</month>
<year>2021</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>09</month>
<year>2021</year>
</pub-date>
<volume>80</volume>
<numero>317</numero>
<fpage>109</fpage>
<lpage>134</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0185-16672021000300109&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0185-16672021000300109&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0185-16672021000300109&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN El bienestar de los hogares está ligado en gran parte al desarrollo de los mercados financieros. El estudio de las finanzas de los hogares analiza las formas en que estos utilizan instrumentos financieros para satisfacer sus necesidades y objetivos; este análisis representa un gran desafío debido a la escasa información estadística y la interrelación entre las variables consideradas. En este trabajo, pionero en el uso de las redes bayesianas en este campo, utilizamos de manera conjunta las finanzas tradicionales y las conductuales. Medimos la probabilidad de prevalencia de estabilidad financiera de los hogares en México; obtenemos un resultado base y posteriormente, al generar distintos escenarios, descubrimos que las variables más determinantes son el manejo del crédito y la conformación de los hogares. Estos resultados subrayan la importancia de promover iniciativas de educación financiera en los distintos niveles, modalidades y subsistemas educativos.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT In today's economy, the well-being of households is considered to be linked mainly to the development of financial markets. The field of household finance analyzes how households use financial instruments to satisfy their needs and achieve objectives. This analysis represents a significant challenge due to scarce statistical information and the interrelation among the variables involved. We follow two aspects: Traditional and behavioral finance. This paper pioneers the use of Bayesian networks in the field. A model measuring the probability of prevalence of financial stability of households in Mexico is used; a baseline result is obtained and then, while generating different scenarios, we discover that credit management and household composition are the most determining variables. These results underscore the importance of promoting different financial education initiatives at different educational levels, modalities, and subsystems.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[finanzas del hogar]]></kwd>
<kwd lng="es"><![CDATA[mercados financieros]]></kwd>
<kwd lng="es"><![CDATA[redes bayesianas]]></kwd>
<kwd lng="en"><![CDATA[Household finance]]></kwd>
<kwd lng="en"><![CDATA[financial markets]]></kwd>
<kwd lng="en"><![CDATA[Bayesian networks]]></kwd>
</kwd-group>
</article-meta>
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