{"id":73916,"date":"2005-09-05T00:00:00","date_gmt":"2005-09-05T00:00:00","guid":{"rendered":"https:\/\/www.deberes.net\/tesis\/sin-categoria\/factores-determinantes-del-racionamiento-en-el-mercado-de-credito-bancario-un-estudio-empa%c2%adrico-en-andaluca%c2%ada\/"},"modified":"2005-09-05T00:00:00","modified_gmt":"2005-09-05T00:00:00","slug":"factores-determinantes-del-racionamiento-en-el-mercado-de-credito-bancario-un-estudio-empa%c2%adrico-en-andaluca%c2%ada","status":"publish","type":"post","link":"https:\/\/www.deberes.net\/tesis\/cadiz\/factores-determinantes-del-racionamiento-en-el-mercado-de-credito-bancario-un-estudio-empa%c2%adrico-en-andaluca%c2%ada\/","title":{"rendered":"Factores determinantes del racionamiento en el mercado de cr\u00e9dito bancario: un estudio emp\u00edrico en andaluc\u00eda"},"content":{"rendered":"<h2>Tesis doctoral de <strong> Yolanda Giner Manso <\/strong><\/h2>\n<p>La importancia econ\u00f3mica y social de las peque\u00f1as y medianas empresas ha propiciado un gran inter\u00e9s por analizar los factores que pueden condicionar su supervivencia y mejorar sus resultados econ\u00f3micos, entre los que destacan las medidas tendentes a paliar las dificultades financieras a las que se ven sometidas este tipo de organizaciones y entre las que se encuadra el racionamiento del cr\u00e9dito bancario. As\u00ed, el objetivo de esta tesis doctoral es determinar si en el mercado de cr\u00e9dito andaluz existen restricciones, tanto en el acceso al cr\u00e9dito como en sus condiciones comerciales,  a las empresas de menor tama\u00f1o o con menor vinculaci\u00f3n con su entidad financiera habitual. una vez revisado el marco te\u00f3rico que sustenta el racionamiento del cr\u00e9dito bancario se ha realizado un estudio emp\u00edrico que combina tanto la investigaci\u00f3n cualitativa como la cuantitativa. El estudio cualitativo se desarroll\u00f3 a partir de entrevistas en profundidad a los responsables de concesi\u00f3n de cr\u00e9dito bancario, a fin de determinar, a partir de unidades de signfiicado, sus percepciones en cuanto a los procesos de evaluaci\u00f3n y concesi\u00f3n de financiaci\u00f3n bancaria a las empresas. El estudio cuantitativo se desarroll\u00f3 a partir de la informaci\u00f3n de los estados contables de obligada presentaci\u00f3n de dichas empresas. El an\u00e1lisis conjunto de la informaci\u00f3n nos permiti\u00f3 determinar el tipo de racionamiento de cr\u00e9dito existente en el mercado de cr\u00e9dito andaluz, as\u00ed como los factores que lo determinaban. finalmente, concluimos en una serie de recomendaciones tanto a las empresas, como a las entidades financieras y a las instituciones que mejoren la eficiencia del mercado de cr\u00e9dito bancario y reduzcan las consecuencias negativas del racionamiento del cr\u00e9dito.<\/p>\n<p>&nbsp;<\/p>\n<h3>Datos acad\u00e9micos de la tesis doctoral \u00ab<strong>Factores determinantes del racionamiento en el mercado de cr\u00e9dito bancario: un estudio emp\u00edrico en andaluc\u00eda<\/strong>\u00ab<\/h3>\n<ul>\n<li><strong>T\u00edtulo de la tesis:<\/strong>\u00a0 Factores determinantes del racionamiento en el mercado de cr\u00e9dito bancario: un estudio emp\u00edrico en andaluc\u00eda<\/li>\n<li><strong>Autor:<\/strong>\u00a0 Yolanda Giner Manso <\/li>\n<li><strong>Universidad:<\/strong>\u00a0 C\u00e1diz<\/li>\n<li><strong>Fecha de lectura de la tesis:<\/strong>\u00a0 09\/05\/2005<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3>Direcci\u00f3n y tribunal<\/h3>\n<ul>\n<li><strong>Director de la tesis<\/strong>\n<ul>\n<li>Manuel Larran Jorge<\/li>\n<\/ul>\n<\/li>\n<li><strong>Tribunal<\/strong>\n<ul>\n<li>Presidente del tribunal: Jorge Tua pereda <\/li>\n<li>Jos\u00e9 Mar\u00eda no Moneva abad\u00eda (vocal)<\/li>\n<li>joaquina Laffarga briones (vocal)<\/li>\n<li>clara Cardone riportella (vocal)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tesis doctoral de Yolanda Giner Manso La importancia econ\u00f3mica y social de las peque\u00f1as y medianas empresas ha propiciado un [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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