Concentración y Competencia en el Sistema Bancario Paraguayo (2016-2025)
Palabras clave:
concentración bancaria, competencia, índice de Herfindahl-Hirschman, Paraguay, sistema financieroResumen
El presente estudio analiza la dinámica de concentración y competencia en el sistema bancario paraguayo durante el período 2016-2025, empleando indicadores ampliamente reconocidos en la literatura económica como el Índice de Herfindahl-Hirschman (HHI) y el Ratio de Concentración de las cuatro principales entidades (CR4). La investigación examina tres segmentos críticos del mercado financiero: depósitos, cartera crediticia y tarjetas de crédito. Los resultados evidencian que el mercado de depósitos y créditos se mantiene en niveles de concentración (HHI entre 900 y 1,220), mientras que el segmento de tarjetas de crédito presenta niveles de concentración elevados (HHI superior a 1,750). Se observa una tendencia de desconcentración gradual en el período 2016-2021, seguida de un incremento en la concentración a partir de 2022, posiblemente asociado a procesos de fusión bancaria. El análisis contribuye al entendimiento de la estructura de mercado del sector financiero paraguayo y proporciona evidencia empírica relevante para la formulación de políticas de competencia.
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Derechos de autor 2025 Juan Antonio Moreno Mareco, Zaidy Merlyna Galeano Morel, Luz Fabiola Gimenez Estigarribia, Oliver Elias Pereira Caballero, Pamela Adriana Balbuena Vazquez
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