<?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>0301-7036</journal-id>
<journal-title><![CDATA[Problemas del desarrollo]]></journal-title>
<abbrev-journal-title><![CDATA[Prob. Des]]></abbrev-journal-title>
<issn>0301-7036</issn>
<publisher>
<publisher-name><![CDATA[Universidad Nacional Autónoma de México, Instituto de Investigaciones Económicas]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0301-70362016000100061</article-id>
<article-id pub-id-type="doi">10.1016/j.rpd.2016.01.004</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Capital social y mercados financieros crediticios: demanda de crédito en México, 2010]]></article-title>
<article-title xml:lang="fr"><![CDATA[Capital social et marchés financiers créditeurs: demande de crédit au Mexique, 2010]]></article-title>
<article-title xml:lang="pt"><![CDATA[Capital social e mercados financeiros creditícios: demanda de crédito no México, 2010]]></article-title>
<article-title xml:lang="zh"><![CDATA[&#31038;&#20250;&#36164;&#26412;&#21644;&#20449;&#36151;&#37329;&#34701;&#24066;&#22330;&#65306;2010&#24180;&#22696;&#35199;&#21733;&#20449;&#36151;&#38656;&#27714;]]></article-title>
<article-title xml:lang="en"><![CDATA[Social Capital and Financial Credit Markets: Credit Demand in Mexico, 2010]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Zepeda]]></surname>
<given-names><![CDATA[Ernesto]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Leos]]></surname>
<given-names><![CDATA[Juan Antonio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Carvallo]]></surname>
<given-names><![CDATA[Félix]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma Chapingo  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>MX</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>03</month>
<year>2016</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>03</month>
<year>2016</year>
</pub-date>
<volume>47</volume>
<numero>184</numero>
<fpage>61</fpage>
<lpage>85</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0301-70362016000100061&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0301-70362016000100061&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0301-70362016000100061&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[En presencia de fallas de mercado, las personas necesitan encontrar mecanismos aceptables que permitan reducir la incertidumbre y maximizar su posible beneficio. Como la principal falla es la asimetría de la información existente, las personas recurren a canales de transmisión de información que compensen las fallas. Estos canales son las redes de relaciones sociales. Esto es el Capital Social, la red de personas que un individuo posee, y cuyo uso puede traerle beneficios. En el caso del mercado financiero (crediticio en especial), las personas hacen uso del Capital Social antes de tomar decisiones dentro del mercado. Mediante una serie de modelos lineales, tomando información de la wvs-2010 y ENIGH-2010, se encontró que la demanda de crédito responde a algunas variables que muestran la percepción de los individuos sobre su entorno (información).]]></p></abstract>
<abstract abstract-type="short" xml:lang="fr"><p><![CDATA[RésuméFace à des déficiences du marché, les gens ont besoin de trouver des mécanismes acceptables qui permettent de réduire l'incertitude et de maximiser leur possibilité de bénéfice. Comme la principale déficience est la diversité de l'information existante, les personnes recourent à des canaux de transmission d'information qui compensent les déficiences. Ces canaux sont les réseaux de relation sociale. Ceci est le capital social, le réseau de relations personnelles dont dispose un individu a et dont l'usage peut lui générer des bénéfices. Dans le cas du marché financier (créditeur en particulier), les gens font usage du capital social avant de prendre des décisions vis-à-vis du marché. A travers une série de modèles linéaires, en prenant en compte des informations de la WVS-2010 et ENIGH-2010, il a été constaté que la demande de crédit répond à certaines variables révélatrices de la perception qu'ont les individus de leur environnement (information).]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Na presença de falhas de mercado, as pessoas necessitam encontrar mecanismo aceitáveis que permitam reduzir a incerteza e maximizar o seu possível benefício. Como a principal falha é assimetria da informação existente, as pessoas recorrem a canais de transmissão de informação que compensem estas falhas. Estes canais são as redes de relações sociais. Este é o Capital Social, a rede de personas que um indivíduo possui, e cujo uso pode lhe trazer benefícios. No caso do mercado financeiro (creditício em especial), as pessoas usam o Capital Social antes de tomar decisões dentro do mercado. Através de uma série de modelos lineares, tomando informação da WVS- 2010 e ENIGH-2010, se encontrou que a demanda de crédito responde a algumas variáveis que mostram a percepção dos indivíduos sobre o seu entorno (informação).]]></p></abstract>
<abstract abstract-type="short" xml:lang="zh"><p><![CDATA[&#25688;&#35201;&#38754;&#23545;&#24066;&#22330;&#22833;&#28789;&#65292;&#20154;&#20204;&#24517;&#39035;&#25214;&#21040;&#20854;&#20182;&#26041;&#27861;&#20197;&#20943;&#23569;&#19981;&#30830;&#23450;&#24615;&#24182;&#23558;&#21487;&#33021;&#21463;&#30410;&#26368;&#22823;&#21270;&#12290;&#30001;&#20110; &#24066;&#22330;&#26368;&#20027;&#35201;&#30340;&#22833;&#28789;&#22312;&#20110;&#29616;&#23384;&#20449;&#24687;&#30340;&#19981;&#23545;&#31216;&#24615;&#65292;&#20154;&#20204;&#20415;&#23547;&#27714;&#20854;&#20182;&#20449;&#24687;&#20256;&#36882;&#30340;&#28192;&#36947;&#20197;&#24357; &#34917;&#24066;&#22330;&#22833;&#28789;&#12290;&#36825;&#20123;&#28192;&#36947;&#23601;&#26159;&#31038;&#20250;&#20851;&#31995;&#32593;&#32476;&#65292;&#21363;&#31038;&#20250;&#36164;&#26412;&#65292;&#20063;&#23601;&#26159;&#19968;&#20010;&#20154;&#25152;&#25317;&#26377;&#30340;&#20154; &#33033;&#36164;&#28304;&#12290;&#20154;&#33033;&#30340;&#36816;&#29992;&#33021;&#22815;&#24102;&#26469;&#21033;&#30410;&#12290;&#23601;&#37329;&#34701;&#24066;&#22330; &#23588;&#20854;&#26159;&#20449;&#36151;&#24066;&#22330;&#65289;&#32780;&#35328;&#65292;&#20154;&#20204;&#22312; &#20570;&#20915;&#23450;&#21069;&#36890;&#24120;&#20250;&#36816;&#29992;&#20182;&#30340;&#31038;&#20250;&#36164;&#26412;&#12290;&#36890;&#36807;&#19968;&#31995;&#21015;&#32447;&#24615;&#27169;&#22411;&#65292;&#19988;&#23558;2010&#24180;WVS&#27169;&#22411;&#21644; 2010&#24180;ENIGH&#27169;&#22411;&#30340;&#20449;&#24687;&#32435;&#20837;&#32771;&#34385;&#21518;&#65292;&#20154;&#20204;&#21457;&#29616;&#65292;&#20449;&#36151;&#38656;&#27714;&#19982;&#26576;&#20123;&#21464;&#37327;&#30456;&#20851;&#65292;&#32780;&#36825; &#20123;&#21464;&#37327;&#21453;&#24212;&#20102;&#20010;&#20154;&#23545;&#20854;&#21608;&#22260;&#20449;&#24687;&#29615;&#22659;&#30340;&#35748;&#35782;&#12290;]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[In the presence of market failures, people need to find acceptable mechanisms to reduce uncertainty and maximize potential benefits. Because the principal failure is the asymmetry of information available, people resort to channels that transmit information to compensate for these drawbacks. These channels are networks of social relationships. This phenomenon is referred to as Social Capital, the network of people that an individual possesses, and whose use could bring about benefits. In the case of the financial market (especially the credit market), people make use of Social Capital when making decisions within the market. Through a series of linear models, drawing on data from wvs-2010 and enigh-2010, it was found that credit demand responds to a few variables that indicate individuals' perceptions of their environment (information).]]></p></abstract>
<kwd-group>
<kwd lng="pt"><![CDATA[capital social]]></kwd>
<kwd lng="pt"><![CDATA[créditos]]></kwd>
<kwd lng="pt"><![CDATA[mercados financeiros]]></kwd>
<kwd lng="pt"><![CDATA[serviços financeiros]]></kwd>
<kwd lng="pt"><![CDATA[modelos lineares]]></kwd>
<kwd lng="fr"><![CDATA[capital social]]></kwd>
<kwd lng="fr"><![CDATA[crédit]]></kwd>
<kwd lng="fr"><![CDATA[marchés financiers]]></kwd>
<kwd lng="fr"><![CDATA[services financiers]]></kwd>
<kwd lng="fr"><![CDATA[modèles linéaires]]></kwd>
<kwd lng="es"><![CDATA[capital social]]></kwd>
<kwd lng="es"><![CDATA[créditos]]></kwd>
<kwd lng="es"><![CDATA[mercados financieros]]></kwd>
<kwd lng="es"><![CDATA[servicios financieros]]></kwd>
<kwd lng="es"><![CDATA[modelos lineales]]></kwd>
<kwd lng="zh"><![CDATA[&#31038;&#20250;&#36164;&#26412;]]></kwd>
<kwd lng="zh"><![CDATA[&#20449;&#36151;]]></kwd>
<kwd lng="zh"><![CDATA[&#37329;&#34701;&#24066;&#22330;]]></kwd>
<kwd lng="zh"><![CDATA[&#37329;&#34701;&#26381;&#21153;]]></kwd>
<kwd lng="zh"><![CDATA[&#32447;&#24615;&#27169;&#22411;]]></kwd>
<kwd lng="en"><![CDATA[capital]]></kwd>
<kwd lng="en"><![CDATA[credit]]></kwd>
<kwd lng="en"><![CDATA[financial markets]]></kwd>
<kwd lng="en"><![CDATA[financial services]]></kwd>
<kwd lng="en"><![CDATA[linear models]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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