<?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>0186-1042</journal-id>
<journal-title><![CDATA[Contaduría y administración]]></journal-title>
<abbrev-journal-title><![CDATA[Contad. Adm]]></abbrev-journal-title>
<issn>0186-1042</issn>
<publisher>
<publisher-name><![CDATA[Universidad Nacional Autónoma de México, Facultad de Contaduría y Administración]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0186-10422022000200003</article-id>
<article-id pub-id-type="doi">10.22201/fca.24488410e.2022.2958</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Competencia en el sistema crediticio mexicano: una aproximación biológica]]></article-title>
<article-title xml:lang="en"><![CDATA[Competition in the Mexican credit system: A biological approach]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Gutiérrez-Vargas]]></surname>
<given-names><![CDATA[Octavio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Gavira-Durón]]></surname>
<given-names><![CDATA[Nora]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
<xref ref-type="aff" rid="Aaf"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Cruz-Aké]]></surname>
<given-names><![CDATA[Salvador]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Instituto Politécnico Nacional  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad de las Américas  ]]></institution>
<addr-line><![CDATA[Puebla ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2022</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2022</year>
</pub-date>
<volume>67</volume>
<numero>2</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0186-10422022000200003&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0186-10422022000200003&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0186-10422022000200003&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Se analiza la velocidad y adaptación de bancos mexicanos que otorgan créditos, ante cambios de estrategia de sus competidores, con sistemas de ecuaciones diferenciales para un juego evolutivo &#8220;piedra, papel o tijera&#8221;; para el grado de competencia, se incluye un parámetro de mutación de estrategias del mercado. Los resultados muestran que para trayectorias de solución estables debe existir adaptación de estrategias en los competidores; el parámetro de mutación no cero, resulta una variable oculta que mide grado de competencia y rige la variable temporal tiempo de adaptación. La principal aportación es la inclusión de un movimiento browniano a la ecuación que modela la función de pagos de cada banco y un factor de mutación para modelar el efecto de la información asimétrica, lo que permite medir el grado de competencia industrial. Una limitación es no considerar los casos en que el grado de innovación sea pequeña o grande.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The speed and adaptation of Mexican banks that grant loans, in the face of changes in the strategy of their competitors, with differential equation systems for an evolutionary game of "rock, paper or scissors" are analyzed; for the degree of competition, a mutation parameter of market strategies is included. The results show that for stable solution trajectories there must be an adaptation of strategies in the competitors; the non-zero mutation parameter results in a hidden variable that measures the degree of competition and governs the adaptation time temporal variable. The main contribution is the inclusion of a Brownian movement to the equation that models the payment function of each bank and a mutation factor to model the effect of asymmetric information, which allows measuring the degree of industrial competition. A limitation is not to consider the cases in which the degree of innovation is small or large.]]></p></abstract>
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<kwd lng="es"><![CDATA[C73]]></kwd>
<kwd lng="es"><![CDATA[H81]]></kwd>
<kwd lng="es"><![CDATA[métodos matemáticos]]></kwd>
<kwd lng="es"><![CDATA[métodos de simulación]]></kwd>
<kwd lng="es"><![CDATA[juegos dinámicos y estocásticos]]></kwd>
<kwd lng="es"><![CDATA[créditos]]></kwd>
<kwd lng="en"><![CDATA[C02]]></kwd>
<kwd lng="en"><![CDATA[C63]]></kwd>
<kwd lng="en"><![CDATA[C73]]></kwd>
<kwd lng="en"><![CDATA[H81]]></kwd>
<kwd lng="en"><![CDATA[mathematics methods]]></kwd>
<kwd lng="en"><![CDATA[simulation models, stochastics and dynamic games]]></kwd>
<kwd lng="en"><![CDATA[credits]]></kwd>
</kwd-group>
</article-meta>
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