Resumo

GUTIERREZ-VARGAS, Octavio; GAVIRA-DURON, Nora  e  CRUZ-AKE, Salvador. Competition in the Mexican credit system: A biological approach. Contad. Adm [online]. 2022, vol.67, n.2, pp.-.  Epub 10-Jul-2024. ISSN 0186-1042.  https://doi.org/10.22201/fca.24488410e.2022.2958.

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.

Palavras-chave : C02; C63; C73; H81; mathematics methods; simulation models, stochastics and dynamic games; credits.

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