El crédito bancario público y su incidencia en el crecimiento económico del Ecuador, período 2008-2014
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2015-10-08
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Universidad de Guayaquil Facultad de Ciencias Económicas
Resumen
El crédito bancario se materializa en la denominada “cuenta de crédito”, en la cual se permiten realizar tanto ingresos como disposiciones. Normalmente la disposición de los fondos se realiza a través de los instrumentos habituales utilizados en las cuentas corrientes: cheques, pagarés, tarjetas, transferencias, etcétera.
La política económica del actual gobierno 2007 – 2017 ha privilegiado el fortalecimiento del sector público en detrimento del sector privado. Los significativos ingresos por petróleo y por impuestos han permitido que este modelo funcione hasta el año 2013. En este proceso se ha fortalecido significativamente la banca pública no solo dándole mayor capacidad operativa sino también creando nuevas y poderosos organizaciones financieras. El banco del Pacífico puede considerárselo como parte de la banca pública y el BIESS (creado en 2010) es actualmente el banco más grande del Ecuador.
Las nuevas condiciones que experimenta el Ecuador, y que se prevé se mantendrán en el mediano plazo, determinadas por la baja de los precios de los productos de exportación, la revalorización del dólar, la conflictividad interna, y los potenciales efectos negativos de los fenómenos naturales como la erupción del Cotopaxi y del Fenómeno de El Niño va a reducir significativamente los recursos de liquidez que tenga el Estado ecuatoriano para fortalecer la banca pública.
Se presenta en consecuencia un problema de alta relevancia en razón a que uno de los instrumentos de las políticas de incentivos del gobierno, el crédito de la banca pública, podría reducirse significativamente
Bank credit is embodied in the so-called "credit account", which will allow both income and provisions. Normally the provision of funds is done through the usual instruments used in the current accounts: checks, promissory notes, cards, transfers, and so on. The economic policy of the current government 2007 - 2017 has favored strengthening the public sector over the private sector. Significant oil revenues and taxes have allowed this model to work until 2013. This process has significantly strengthened public banks not only giving greater operational capacity but also creating new and powerful financial organizations. The bank can considerárselo Pacific as part of public banks and BIESS (created in 2010) is currently the largest bank in Ecuador. The new conditions experienced by Ecuador, and expected to be maintained in the medium term, determined by the falling prices of export products, the appreciation of the dollar, internal conflict, and the potential negative effects of natural phenomena as the eruption of Cotopaxi and El Niño will significantly reduce liquidity resources have the Ecuadorian government to strengthen public banks. highly relevant problem arises therefore the reason that one of the instruments of government incentive policies, credit from public banks, could be reduced significantly
Bank credit is embodied in the so-called "credit account", which will allow both income and provisions. Normally the provision of funds is done through the usual instruments used in the current accounts: checks, promissory notes, cards, transfers, and so on. The economic policy of the current government 2007 - 2017 has favored strengthening the public sector over the private sector. Significant oil revenues and taxes have allowed this model to work until 2013. This process has significantly strengthened public banks not only giving greater operational capacity but also creating new and powerful financial organizations. The bank can considerárselo Pacific as part of public banks and BIESS (created in 2010) is currently the largest bank in Ecuador. The new conditions experienced by Ecuador, and expected to be maintained in the medium term, determined by the falling prices of export products, the appreciation of the dollar, internal conflict, and the potential negative effects of natural phenomena as the eruption of Cotopaxi and El Niño will significantly reduce liquidity resources have the Ecuadorian government to strengthen public banks. highly relevant problem arises therefore the reason that one of the instruments of government incentive policies, credit from public banks, could be reduced significantly
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MATRIZ PRODUCTIVA, PRÉSTAMOS, CRECIMIENTO ECONÓMICO, CRÉDITO