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Artículos

Vol. 14 Núm. 50 (2019)

Revisitando los modelos de Birnbaum-Chávez y deDiamond-Dybvig sobre corridas bancarias ¿Las corridasdependen sólo de fundamentos económicos o tambiénde factores psicológicos?

  • Erick Romero-Ramírez
  • Francisco Venegas-Martínez
  • José Carlos Trejo-García
DOI:
https://doi.org/10.29201/ktv1dz87
Publicado
junio 28, 2019

Resumen

Este trabajo revisita y extiende los modelos de Birnbaum-Chávez (1997) y Diamond-Dybvig (1983) mediante la incorporación de nuevos parámetros psicológicos. La extensión propuesta es útil para mostrar que el nivel de optimismo/pesimismo y la aversión al riesgo de los individuos, así como la importancia (o peso) que los individuos asignen a los posibles resultados de la economía pueden hacer que la suspensión de convertibilidad, el seguro de depósitos bancarios y la política preventiva de impuestos del gobierno sean mecanismos insuficientes para evitar corridas bancarias.

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