O impacto da concessão de crédito bancário para o desenvolvimento regional na microrregião de Uberlândia

Abstract

Economic development corresponds to qualitative and quantitative indicators that indicate socioeconomic growth, involving essential aspects of society. On the other hand, this development does not occur homogeneously in the regions, being influenced by several factors, including the availability of credit and the strong influence of liquidity preference in the availability of credit by banks. In this context, the work aims to analyze the impact that the granting of bank credit on regional development, based on the hypothesis that the availability of credit directly impacts the development of each region. To verify the impact of granting credit for the development of the Microregion of Uberlândia in the period from 2012 to 2018, descriptive research with a quantitative approach is presented, which investigates the influences on the availability of credit and the differences in regional development. For that, regression with panel data and a table of variables are presented. The results presented confirm that regional development is directly related to the availability of credit, which has an inverse relationship to liquidity preference, an index that is impacted by development, distance from the hub, and amount of deposits. Furthermore, it appears that the high liquidity preference of banks restricts credit in the banking system and blocks development.