Reestructuración de las políticas de recuperación de la cartera vencida de Salud S.A
Fecha
2017
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
El presente proyecto de investigación tienen como objetivo realizar un análisis sobre la
reestructuración de las políticas de recuperación de la cartera vencida en la empresa Salud S.A
a través de normas financieras y contables que reduzcan el nivel de morosidad de la cartera y
elaboración de un efectivo análisis crediticio en la otorgación de créditos a clientes con alto
nivel de incobrabilidad. Para lograr lo antes mencionado se recolectará la información
necesaria sobre administración de recursos, estructuración jerárquica y distribución equitativa
de responsabilidades con el fin de realizar un análisis sobre los problemas que presenta
actualmente el departamento. Para la solución de los problemas que se presentan actualmente
en el departamento se implementará un plan de mejoras continuas el cual consiste en la
reestructuración de las políticas; implementar un plan de motivación para reducir la morosidad
de las empresas. Con la aplicación de este plan se espera disminuir los índices de morosidad
de la cartera, mantener el índice de cartera vencida al finalizar cada mes y reducir el riesgo de
adquirir nuevos sujetos de crédito sin la capacidad de pago necesario para cubrir los servicios
que presenta la empresa.
The objective of this research project is to analyze the restructuring of the policies to recover the overdue portfolio in the company Salud SA through financial and accounting standards that reduce the level of delinquency of the portfolio and elaborate an effective analysis Credit in the granting of loans to clients with a high level of uncollectibility. To achieve the above, the necessary information on resource management, hierarchical structuring and equitable distribution of responsibilities will be collected in order to carry out an analysis of the problems currently presented by the department. To solve the problems that are currently presented in the department will implement a plan for continuous improvement which consists of restructuring the politics; implement a motivation plan to reduce business delinquency. With the implementation of this plan, it is expected to reduce the portfolio's delinquency rates, to maintain the past-due portfolio index at the end of each month and to reduce the risk of acquiring new borrowers without the necessary payment capacity to cover the services presented by the business.
The objective of this research project is to analyze the restructuring of the policies to recover the overdue portfolio in the company Salud SA through financial and accounting standards that reduce the level of delinquency of the portfolio and elaborate an effective analysis Credit in the granting of loans to clients with a high level of uncollectibility. To achieve the above, the necessary information on resource management, hierarchical structuring and equitable distribution of responsibilities will be collected in order to carry out an analysis of the problems currently presented by the department. To solve the problems that are currently presented in the department will implement a plan for continuous improvement which consists of restructuring the politics; implement a motivation plan to reduce business delinquency. With the implementation of this plan, it is expected to reduce the portfolio's delinquency rates, to maintain the past-due portfolio index at the end of each month and to reduce the risk of acquiring new borrowers without the necessary payment capacity to cover the services presented by the business.
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PROCESOS, CRÉDITO, COBRANZAS, CARTERA DE CLIENTES