<?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>2395-8715</journal-id>
<journal-title><![CDATA[Revista de economía]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. econ.]]></abbrev-journal-title>
<issn>2395-8715</issn>
<publisher>
<publisher-name><![CDATA[Facultad de Economía, Universidad Autónoma de Yucatán]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2395-87152023000100068</article-id>
<article-id pub-id-type="doi">10.33937/reveco.2023.314</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Una radiografía de las tasas de interés bancarias para las pymes en México]]></article-title>
<article-title xml:lang="en"><![CDATA[A radiography of bank interest rates for SMEs in Mexico]]></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 Administrativas Departamento de Estudios Regionales]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2023</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2023</year>
</pub-date>
<volume>40</volume>
<numero>100</numero>
<fpage>68</fpage>
<lpage>106</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2395-87152023000100068&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2395-87152023000100068&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2395-87152023000100068&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo general del presente trabajo es estudiar la evolución de las tasas de interés bancarias cobradas a las pymes en México, por medio de la revisión de las trayectorias individuales de 14 bancos representativos del sistema bancario mexicano. En particular, se analiza si existe una relación de largo plazo (mediante las pruebas de cointegración de Johansen y de Gregory-Hansen) entre la serie de la tasa de referencia TIIE 28 días y la serie de tasa de interés para Pymes de cada banco. Los resultados muestran que el seguir la misma trayectoria de largo plazo que la tasa de referencia no asegura una conducta competitiva (en precios) por parte de los bancos. Los bancos de escala grande son los únicos capaces de cobrar tasas por encima de la tasa promedio del mercado. Además, no existe una relación entre el nivel de las tasas fijadas por los bancos y su participación de mercado en el crédito a las pymes, lo cual significa que las tasas de interés no representan una variable fundamental de competencia en dicho mercado.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The general objective of this paper is to study the evolution of bank interest rates charged to SMEs in Mexico, reviewing the individual trajectories of 14 representative banks in the Mexican banking system. In particular, it analyzes whether there is a long-term relationship (through Johansen and Gregory-Hansen cointegration tests) between the reference rate TIIE 28 days and the interest rate series for SMEs of each bank. The results show that following the same longterm path as the reference rate does not ensure competitive behavior (in prices) on the part of the banks. Large-scale banks are the only ones capable of charging rates above the average market rate. In addition, there is no relationship between the level of rates set by banks and their market share in credit to SMEs, which means that interest rates do not represent a fundamental variable of competition in such a market.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[crédito bancario]]></kwd>
<kwd lng="es"><![CDATA[pymes]]></kwd>
<kwd lng="es"><![CDATA[tasas de interés]]></kwd>
<kwd lng="es"><![CDATA[concentración de mercado]]></kwd>
<kwd lng="es"><![CDATA[América Latina]]></kwd>
<kwd lng="en"><![CDATA[bank credit]]></kwd>
<kwd lng="en"><![CDATA[SMEs]]></kwd>
<kwd lng="en"><![CDATA[interest rates]]></kwd>
<kwd lng="en"><![CDATA[market concentration]]></kwd>
<kwd lng="en"><![CDATA[Latin America]]></kwd>
</kwd-group>
</article-meta>
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