Determinantes del crédito bancario otorgado al sector industrial mexicano, 2008-2018

impact, since new jobs and new income are created in these organizations, which help economic growth. However, the companies of the industrial turn need to acquire resources to be able to develop, and one of the ways to achieve it is through bank credit; In this sense, it becomes a complex situation due to the existing credit constraint, derived from a series of events in the financial and banking system, such as the diversification of markets - multiple banking - and weak regulations. This article investigates the determinants for a bank loan granted to be destined to the industrial sector in Mexico. The quantitative data correspond to the period 2008-2018; However, the ENAFIN database contains data from 2010 to 2018, generating a limitation to make the research more robust. The regression analyzes used - PROBIT and TOBIT - show a forecast that when the economy improves, the probability (94%) that an approved bank loan will be granted to a company in the industrial sector increases; on the other hand, an increase in the amounts of bank loans granted to other items and a rise in the number of credit applications make the probability decrease (24% and 15%, respectively). Based on these results, the urgency of the political implications that help improve the link of bank credit with companies in the industrial sector is derived.