PDF(Pubmed)
Abstract：
UNASSIGNED: The objective was to identify the variables that affect the delinquency rate in banking and microfinance institutions, between the periods 2015 and 2020, for which panel data models were used, considering the information registered in the banking and financial institutions to the level of Peru.
UNASSIGNED: The methodological design used is quantitative, not experimental, with a descriptive-correlational design, applying the analysis of the data panel for each financial institution (Multiple Banking, Municipal Savings Banks), to observe the behavior over time for the same individuals.
UNASSIGNED: It was determined that the behavior of the delinquency of microfinance institutions is having significant effects on the delinquency of loans, and macroeconomic variables like microeconomic variables do determine delinquency rates such as provisions, efficiency of analysts, financial income, liquidity in national currency, growth rate of Gross Domestic Product, and the level of unemployment, both for banks and for municipal savings and credit banks, explaining the study variables in 84.30% in the banking system and in 48.95% in the financial system with respect to delinquency.
UNASSIGNED: Macroeconomic and microeconomic variables are determining factors for the level of delinquency in financial institutions.
UNASSIGNED: The methodological design used is quantitative, not experimental, with a descriptive-correlational design, applying the analysis of the data panel for each financial institution (Multiple Banking, Municipal Savings Banks), to observe the behavior over time for the same individuals.
UNASSIGNED: It was determined that the behavior of the delinquency of microfinance institutions is having significant effects on the delinquency of loans, and macroeconomic variables like microeconomic variables do determine delinquency rates such as provisions, efficiency of analysts, financial income, liquidity in national currency, growth rate of Gross Domestic Product, and the level of unemployment, both for banks and for municipal savings and credit banks, explaining the study variables in 84.30% in the banking system and in 48.95% in the financial system with respect to delinquency.
UNASSIGNED: Macroeconomic and microeconomic variables are determining factors for the level of delinquency in financial institutions.
摘要：
UNASSIGNED：目的是确定影响银行和小额信贷机构拖欠率的变量，在使用面板数据模型的2015年至2020年期间，考虑到在秘鲁的银行和金融机构注册的信息。
未经评估：使用的方法设计是定量的，不是实验性的，用描述性的相关设计，应用对每个金融机构的数据面板的分析(多银行，市政储蓄银行)，观察同一个体随时间的行为。
UNASSIGNED：确定小额信贷机构的拖欠行为对贷款拖欠产生重大影响，宏观经济变量，如微观经济变量，确实决定了准备金等不良率，分析师的效率，财务收入,本国货币流动性，国内生产总值增长率，和失业水平，无论是对于银行还是市政储蓄和信贷银行，解释研究变量在银行系统中占84.30%，在金融系统中占48.95%。
UNASSIGNED：宏观经济和微观经济变量是金融机构拖欠程度的决定因素。
未经评估：使用的方法设计是定量的，不是实验性的，用描述性的相关设计，应用对每个金融机构的数据面板的分析(多银行，市政储蓄银行)，观察同一个体随时间的行为。
UNASSIGNED：确定小额信贷机构的拖欠行为对贷款拖欠产生重大影响，宏观经济变量，如微观经济变量，确实决定了准备金等不良率，分析师的效率，财务收入,本国货币流动性，国内生产总值增长率，和失业水平，无论是对于银行还是市政储蓄和信贷银行，解释研究变量在银行系统中占84.30%，在金融系统中占48.95%。
UNASSIGNED：宏观经济和微观经济变量是金融机构拖欠程度的决定因素。
