<?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>1665-5346</journal-id>
<journal-title><![CDATA[Revista mexicana de economía y finanzas]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. mex. econ. finanz]]></abbrev-journal-title>
<issn>1665-5346</issn>
<publisher>
<publisher-name><![CDATA[Instituto Mexicano de Ejecutivos de Finanzas A.C.]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1665-53462015000100073</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA["Morosidad en el pago de créditos y rentabilidad de la banca comercial en México"]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Chavarín Rodríguez]]></surname>
<given-names><![CDATA[Rubén]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de Guadalajara Centro Universitario de Ciencias Económico Departamento de Estudios Regionales]]></institution>
<addr-line><![CDATA[Jalisco ]]></addr-line>
<country>MX</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2015</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2015</year>
</pub-date>
<volume>10</volume>
<numero>1</numero>
<fpage>73</fpage>
<lpage>85</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1665-53462015000100073&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1665-53462015000100073&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1665-53462015000100073&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Una crítica que se formula desde hace varios años a los bancos comerciales establecidos en México es que no incrementan el volumen de crédito que otorgan a la sociedad. Esta crítica se ha vuelto más marcada a raíz del bajo crecimiento económico logrado por el país a partir de la crisis financiera internacional iniciada en 2008. Una de las posibles explicaciones para la restricción de crédito que mantiene la banca es que, dados los sistemas vigentes de identificación y calificación de las solicitudes de crédito, el índice de morosidad de los prestatarios se vuelve una variable que impacta de manera negativa y significativa a la rentabilidad obtenida por los bancos. Esta hipótesis se analiza mediante un modelo estático con estimadores Hausman-Taylor y un modelo de panel dinámico con estimadores Arellano-Bover/Blundell-Bond. Los resultados preliminares sugieren rechazar la hipótesis puesto que los factores determinantes de la rentabilidad son el nivel de capitalización, el tamaño, el nivel total de exposición al riesgo, los gastos de administración y la mezcla de actividades.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[One criticism that is formulated for several years to commercial banks in Mexico is that they do not increase the volume of credit they give to society. This review has become more marked as a result of low economic growth achieved by the country from the international financial crisis that began in 2008. One of the possible explanations for the credit crisis that keeps banking is that, given the existing systems identification and assessment of credit applications, the delinquency rate of borrowers becomes a variable that impacts negatively and significantly to the profitability of banks manner. This hypothesis is analyzed by a static model estimator with Hausman -Taylor estimator and a model of dynamic panel estimators Arellano - Bover / Blundell -Bond. Preliminary results suggest reject the hypothesis since the determinants of profitability are the level of capitalization, the size, the overall level of risk exposure and the administration costs and the combination of activities.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Banks]]></kwd>
<kwd lng="es"><![CDATA[Latin America]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Poder de mercado o eficiencia: Origen de las utilidades del sistema bancario mexicano de 1995 a 1999]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Arteaga]]></surname>
<given-names><![CDATA[Julio César]]></given-names>
</name>
</person-group>
<source><![CDATA[Ensayos]]></source>
<year>2001</year>
<volume>20</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>35-48</page-range><publisher-loc><![CDATA[Monterrey ]]></publisher-loc>
<publisher-name><![CDATA[Universidad Autónoma de Nuevo León]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Athanasoglou]]></surname>
<given-names><![CDATA[Panayiotis P.]]></given-names>
</name>
<name>
<surname><![CDATA[Delis]]></surname>
<given-names><![CDATA[Matthaios D.]]></given-names>
</name>
<name>
<surname><![CDATA[Staikouras]]></surname>
<given-names><![CDATA[Christos K.]]></given-names>
</name>
</person-group>
<source><![CDATA[Determinants of bank profitability in the South Eastern Europe region]]></source>
<year>2006</year>
<publisher-name><![CDATA[Bank of Greece]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Bank-specific, industry-specific and macroeconomic determinants of bank profitability]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Athanasoglou]]></surname>
<given-names><![CDATA[Panayiotis P.]]></given-names>
</name>
<name>
<surname><![CDATA[Brissimis]]></surname>
<given-names><![CDATA[Sophocles N.]]></given-names>
</name>
<name>
<surname><![CDATA[Delis]]></surname>
<given-names><![CDATA[Matthaios D.]]></given-names>
</name>
</person-group>
<source><![CDATA[International Financial Markets, Institutions and Money]]></source>
<year>2008</year>
<volume>18</volume>
<page-range>121-36</page-range></nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[The Relationship between Capital and Earnings in Banking]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Berger]]></surname>
<given-names><![CDATA[Allen N.]]></given-names>
</name>
</person-group>
<source><![CDATA[Journal of Money, Credit and Banking]]></source>
<year>1995</year>
<volume>27</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>432-56</page-range></nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Credit risk determinants: Evidence from a cross-country study]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chaibi]]></surname>
<given-names><![CDATA[Hasna]]></given-names>
</name>
<name>
<surname><![CDATA[Zied]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
</person-group>
<source><![CDATA[Research in International Business and Finance]]></source>
<year>2015</year>
<volume>33</volume>
<page-range>1-16</page-range></nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chavarín]]></surname>
<given-names><![CDATA[Rubén]]></given-names>
</name>
</person-group>
<source><![CDATA[Determinants of commercial bank profitability in Mexico]]></source>
<year>2014</year>
<publisher-name><![CDATA[Social Science Research Network]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Market structure, profits, and spreads in the Mexican banking industry]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chortareas]]></surname>
<given-names><![CDATA[Georgios]]></given-names>
</name>
<name>
<surname><![CDATA[Garza-García]]></surname>
<given-names><![CDATA[Jesús G.]]></given-names>
</name>
</person-group>
<source><![CDATA[Banks and Bank Sistems]]></source>
<year>2009</year>
<volume>4</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>43-52</page-range></nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Díaz-Quevedo]]></surname>
<given-names><![CDATA[Óscar]]></given-names>
</name>
</person-group>
<source><![CDATA[Determinantes del ratio de morosidad en el sistema financiero boliviano]]></source>
<year>2009</year>
<publisher-name><![CDATA[Banco Central de Bolivia]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[The determinants of commercial banking profitability in low-, middle-, and high-income countries]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Dietrich]]></surname>
<given-names><![CDATA[Andreas]]></given-names>
</name>
<name>
<surname><![CDATA[Wanzenried]]></surname>
<given-names><![CDATA[Gabrielle]]></given-names>
</name>
</person-group>
<source><![CDATA[The Quarterly Review of Economics and Finance]]></source>
<year>2014</year>
</nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Flamini]]></surname>
<given-names><![CDATA[Valentina]]></given-names>
</name>
<name>
<surname><![CDATA[McDonald]]></surname>
<given-names><![CDATA[Calvin]]></given-names>
</name>
<name>
<surname><![CDATA[Schumacher]]></surname>
<given-names><![CDATA[Liliana]]></given-names>
</name>
</person-group>
<source><![CDATA[The determinants of commercial bank profitability in Sub-Saharan Africa]]></source>
<year>2009</year>
<publisher-name><![CDATA[International Monetary Fund]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Does market power influence bank profits in Mexico? A study on market power and efficiency]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Garza-García]]></surname>
<given-names><![CDATA[Jesús Gustavo]]></given-names>
</name>
</person-group>
<source><![CDATA[Applied Financial Economics]]></source>
<year>2012</year>
<volume>22</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>21-32</page-range></nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Dynamics of Growth and Profitability in Banking]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Goddard]]></surname>
<given-names><![CDATA[John]]></given-names>
</name>
<name>
<surname><![CDATA[Molyneaux]]></surname>
<given-names><![CDATA[Phil]]></given-names>
</name>
<name>
<surname><![CDATA[Wilson]]></surname>
<given-names><![CDATA[John O.S.]]></given-names>
</name>
</person-group>
<source><![CDATA[Journal of Money, Credit and Banking]]></source>
<year>2004</year>
<volume>36</volume>
<numero>6</numero>
<issue>6</issue>
<page-range>1069-90</page-range></nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Rentabilidad, concentración y eficiencia en el sistema bancario mexicano]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Guerrero]]></surname>
<given-names><![CDATA[Rodolfo]]></given-names>
</name>
<name>
<surname><![CDATA[Villalpando]]></surname>
<given-names><![CDATA[Mario]]></given-names>
</name>
</person-group>
<source><![CDATA[El Trimestre Económico]]></source>
<year>2009</year>
<volume>76</volume>
<numero>301</numero>
<issue>301</issue>
<page-range>237-63</page-range><publisher-loc><![CDATA[México ]]></publisher-loc>
<publisher-name><![CDATA[Fondo de Cultura Económica]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Se apoyan en México los bancos extranjeros]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Huerta]]></surname>
<given-names><![CDATA[Héctor]]></given-names>
</name>
</person-group>
<source><![CDATA[El Economista]]></source>
<year>2012</year>
<publisher-loc><![CDATA[México ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Revisiting bank profitability: A semi-parametric approach]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kanas]]></surname>
<given-names><![CDATA[Angelos]]></given-names>
</name>
<name>
<surname><![CDATA[Vasiliou]]></surname>
<given-names><![CDATA[Dimitros]]></given-names>
</name>
<name>
<surname><![CDATA[Eriotis]]></surname>
<given-names><![CDATA[Nikolaos]]></given-names>
</name>
</person-group>
<source><![CDATA[Journal of International Financial Markets, Institutions &amp; Money]]></source>
<year>2012</year>
<volume>22</volume>
<page-range>990-1005</page-range></nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Non-interest income, profitability, and risk in banking industry: A cross-country analysis]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lee]]></surname>
<given-names><![CDATA[Chien-Chiang]]></given-names>
</name>
<name>
<surname><![CDATA[Shih-Jui]]></surname>
<given-names><![CDATA[Yang]]></given-names>
</name>
<name>
<surname><![CDATA[Chi-Hung]]></surname>
<given-names><![CDATA[Chang]]></given-names>
</name>
</person-group>
<source><![CDATA[North American Journal of Economics and Finance]]></source>
<year>2014</year>
<volume>27</volume>
<page-range>48-67</page-range></nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Macroeconomic and bank-specific determinants of non- performing loans in Greece: A comparative study of mortgage, business and consumer loan portfolios]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Louzis]]></surname>
<given-names><![CDATA[Dimitrios P.]]></given-names>
</name>
<name>
<surname><![CDATA[Vouldis]]></surname>
<given-names><![CDATA[Angelos T.]]></given-names>
</name>
<name>
<surname><![CDATA[Metaxas]]></surname>
<given-names><![CDATA[Vasilios L.]]></given-names>
</name>
</person-group>
<source><![CDATA[Journal of Banking and Finance]]></source>
<year>2012</year>
<volume>36</volume>
<page-range>1012-27</page-range></nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Bad luck or bad management? Emerging banking market experience]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Podpiera]]></surname>
<given-names><![CDATA[Jirí]]></given-names>
</name>
<name>
<surname><![CDATA[Weill]]></surname>
<given-names><![CDATA[Laurent]]></given-names>
</name>
</person-group>
<source><![CDATA[Journal of Financial Stability]]></source>
<year>2008</year>
<volume>4</volume>
<page-range>135-48</page-range></nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Reinhart]]></surname>
<given-names><![CDATA[Carmen]]></given-names>
</name>
<name>
<surname><![CDATA[Rogoff]]></surname>
<given-names><![CDATA[Kenneth]]></given-names>
</name>
</person-group>
<source><![CDATA[From Financial Crash to Debt Crisis]]></source>
<year>2010</year>
<publisher-name><![CDATA[National Bureau of Economic Research]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Concentración industrial y rentabilidad de la banca en México. Evaluación posterior a la crisis de 1995]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rodríguez]]></surname>
<given-names><![CDATA[Eduardo]]></given-names>
</name>
</person-group>
<source><![CDATA[El Trimestre Económico]]></source>
<year>2003</year>
<volume>70</volume>
<numero>278</numero>
<issue>278</issue>
<page-range>371-404</page-range><publisher-loc><![CDATA[México ]]></publisher-loc>
<publisher-name><![CDATA[Fondo de Cultura Económica]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Indicadores de rentabilidad y eficiencia operativa de la banca comercial]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rodríguez]]></surname>
<given-names><![CDATA[Abigail]]></given-names>
</name>
<name>
<surname><![CDATA[Venegas]]></surname>
<given-names><![CDATA[Francisco]]></given-names>
</name>
</person-group>
<source><![CDATA[Problemas del Desarrollo]]></source>
<year>2010</year>
<volume>41</volume>
<numero>161</numero>
<issue>161</issue>
<page-range>165-91</page-range><publisher-loc><![CDATA[México ]]></publisher-loc>
<publisher-name><![CDATA[Universidad Nacional Autónoma de México]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Vallcorba]]></surname>
<given-names><![CDATA[Martín]]></given-names>
</name>
<name>
<surname><![CDATA[Delgado]]></surname>
<given-names><![CDATA[Javier]]></given-names>
</name>
</person-group>
<source><![CDATA[Determinantes de la morosidad bancaria en una economía dolarizada. El caso Uruguayo]]></source>
<year>2007</year>
<publisher-name><![CDATA[Banco de España]]></publisher-name>
</nlm-citation>
</ref>
</ref-list>
</back>
</article>
