Tasas de Interés Activas Anuales vs. Tasas de Interés Pasivas Anuales en el Sistema Financiero en el Perú

Abstract

This study analyzes the Annual Active Interest Rates Versus Annual Passive Interest Rates in the Financial System in Peru, since a bank is an institution that is responsible for managing and lending money. Banking or the banking system is the set of Entities or Institutions that, within a given economy, provide the financial intermediation service. The banking business consists of financial intermediary, that is, placing your own capital, adding the public’s money, and then lending it at an interest rate that is currently free. For the loans that the bank makes, it receives an interest rate (active operations or placement interest rate) that is its profit against the interest rate that it pays for the savings or deposits (passive operations or interest rate of deposit) that is much less. The answer to this is that placement interest rates are higher in most countries than interest rates. Bone banks charge more to give resources than they pay to capture them. The subtraction between the placement interest rate and the deposit interest rate is called the intermediation margin. Banks, therefore, obtain more profits when the intermediation margin is larger.