Análisis comparativo de los créditos privados vs. públicos en Ecuador 2012–2016. beneficios y rentabilidad
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2018
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
La categoría de un crédito es un termómetro del desarrollo, bienestar o dinamismo de la
economía. Una gran demanda de crédito nominal puede implicar una reactivación o auge en la
economía. Este trabajo busca analizar los créditos que el Estado y la banca privada han otorgado
para determinar diferencias y similitudes entre estos que permitan mejorar los niveles de
bienestar del sistema financiero. Utilizando un estudio de regresión a series de tiempo en un
período comprendido entre el 2012 y 2016, se pudo encontrar que el volumen de crédito que
otorgaba el sector público no influía en la rentabilidad de las mismas. En la banca privada, un
aumento en el crédito conlleva a un incremento en la rentabilidad del sector, mientras que un
incremento en las provisiones para créditos, conlleva a una reducción de la rentabilidad de los
bancos. Implicaciones sobre los resultados son discutidos en la propuesta a la vez que se dejan
planteadas directrices para mejorar el sistema financiero.
Los datos necesarios para llevar a cabo el presente proyecto, estará direccionada por el tipo
de investigación documental, del cual se apoyará en fuentes de carácter fundamentada. De esta,
se deriva la investigación bibliográfica y hemerográfica para obtener la información necesaria
del período a estudiar y cumplir con los objetivos del trabajo. Además, se hará propuestas para
que el crédito pueda ser más accesible para los sectores que se les dificulta adquirirlo por no
cumplir con los requerimientos de las entidades bancarias.
The credit level is a thermometer of the development, welfare or dynamism of the economy. An increased demand for nominal credit may imply a revival or boom in the economy. This paper seeks to analyze the loans granted by the state and private institutions to determine differences and similarities between these, that allow improving the welfare levels of the financial system. Using a regression analysis to time series in a period between 2012 and 2016, it was found that the volume of credit in the public sector does not influence the profitability of the same. In the private sector, an increase in credit leads to an increase in bank yields, while an increase in loan provisions leads to a reduction in bank yields. Implications of results are discussed in the proposal while guidelines for improving the financial system are raised. The data necessary to carry out this project will be addressed by the type of documentary research, which will be supported by sources of a well-founded nature. From this, the bibliographic and hemerographic research is derived to obtain the necessary information of the period to study and to fulfill the objectives of the work. In addition, proposals will be made so that the credit can be more accessible for the sectors that are difficult to acquire because they do not comply with the requirements of the banking entities.
The credit level is a thermometer of the development, welfare or dynamism of the economy. An increased demand for nominal credit may imply a revival or boom in the economy. This paper seeks to analyze the loans granted by the state and private institutions to determine differences and similarities between these, that allow improving the welfare levels of the financial system. Using a regression analysis to time series in a period between 2012 and 2016, it was found that the volume of credit in the public sector does not influence the profitability of the same. In the private sector, an increase in credit leads to an increase in bank yields, while an increase in loan provisions leads to a reduction in bank yields. Implications of results are discussed in the proposal while guidelines for improving the financial system are raised. The data necessary to carry out this project will be addressed by the type of documentary research, which will be supported by sources of a well-founded nature. From this, the bibliographic and hemerographic research is derived to obtain the necessary information of the period to study and to fulfill the objectives of the work. In addition, proposals will be made so that the credit can be more accessible for the sectors that are difficult to acquire because they do not comply with the requirements of the banking entities.
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CRÉDITOS, ECONOMÍA, RENTABILIDAD