Vulnerabilidad Financiera e Instrumentos Financieros: Evidencia de México
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Palabras clave

Instrumentos Financieros
Vulnerabilidad Financiera

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Díaz, D. F., Di Giannatale, S., & Rojas, I. (2023). Vulnerabilidad Financiera e Instrumentos Financieros: Evidencia de México. Sobre México Temas De Economía, 1(8), 94–134.


En este estudio se realiza un análisis empírico para evaluar el efecto de la posesión de instrumentos financieros, como contratos de ahorro y crédito, en la vulnerabilidad financiera de los hogares. La vulnerabilidad financiera se refiere a la capacidad de los hogares para hacer frente a choques económicos adversos y cumplir con sus pagos regulares de manera puntual. Se utilizan datos de la Encuesta Nacional de Inclusión Financiera para México, edición 2018, para construir un índice de vulnerabilidad financiera y realizar un análisis de “propensity score matching” para estimar el efecto de tener instrumentos financieros en la vulnerabilidad financiera. Nuestros resultados indican que la posesión de instrumentos de ahorro, tanto formales como informales, y de crédito formal, reduce la vulnerabilidad financiera. Sin embargo, también encontramos que contar con crédito informal aumenta la vulnerabilidad financiera.
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