Diseño de un modelo de gestión crediticia en el banco abc.
Fecha
2016
Autores
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Editor
Universidad de Guayaquil
Resumen
El presente trabajo investigativo tiene como objetivo el diseño de un manual crediticio para el
Banco ABC, ubicado en el sector de Mapasingue Este de la ciudad de Guayaquil, con corte a
Junio 2016.El problema radica en el aumento del atraso del cobro de las deudas de los clientes de
ese sector, porque paso de tener 1.6% del total de cartera de créditos en dic 2015 a 3.5% a junio
del 2016, según cifras de reportes de sistema. Se utilizó un diseño metodológico no experimental
con enfoque cualitativo, que mediante la aplicación de técnicas de obtención de información como
la entrevista realizada a personas claves, tales como el Jefe de Crédito, Oficiales de Crédito y
Asistentes del Departamento de créditos, permitieron obtener información valiosa para identificar
la causa raíz del problema. Se determinó que la aplicación de un modelo de gestión que incluya
aspectos como un plan operativo anual, reformas en las políticas y procedimientos en la concesión
de créditos, ayudan a evitar que el cliente caiga en mora y contribuyen a disminuir los niveles de
atraso en el cobro de la cartera de créditos vencidos.
This investigative work aims at the design of a credit manual to the ABC Bank, located in the area of Mapasingue East of the city of Guayaquil with cut June 2016. The problem lies in the backwardness of the collection of them debts of them customers, weaknesses in the management and processing of them credits; Since in its last exercise economic present a level significant of mora that step of have 1.6% Dec 2015 to 3.5% June of the 2016 in the their reports of portfolio. We used a non-experimental methodological design with a qualitative approach, additionally were carried out structured interviews the head of credit, 3 officers and 3 assistants of the credit Bureau; and the observation documentary of reports related with the portfolio of customers. Is determined that the application of a model of management that include aspects as a plan operating annual, reforms in them political and procedures in the concession of credits helps to avoid that the customer fall in mora and decrease them levels of backwardness in the charge of the portfolio of credits vanquished of customers.
This investigative work aims at the design of a credit manual to the ABC Bank, located in the area of Mapasingue East of the city of Guayaquil with cut June 2016. The problem lies in the backwardness of the collection of them debts of them customers, weaknesses in the management and processing of them credits; Since in its last exercise economic present a level significant of mora that step of have 1.6% Dec 2015 to 3.5% June of the 2016 in the their reports of portfolio. We used a non-experimental methodological design with a qualitative approach, additionally were carried out structured interviews the head of credit, 3 officers and 3 assistants of the credit Bureau; and the observation documentary of reports related with the portfolio of customers. Is determined that the application of a model of management that include aspects as a plan operating annual, reforms in them political and procedures in the concession of credits helps to avoid that the customer fall in mora and decrease them levels of backwardness in the charge of the portfolio of credits vanquished of customers.
Descripción
Palabras clave
GESTIÓN, MORA, PROCESO, CREDITICIOS, CRÉDITO, CONCESIÓN