La gestión de cobranza y los índices de recuperación de las instituciones financieras: caso empresa “Recaudadora Ecuador” en el periodo 2015-2017
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2018-09-03
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Universidad de Guayaquil. Facultad de Ciencias Económicas
Resumen
La presente investigación se basa en la actividad de cobranzas de crédito concedidos por la banca privada del Ecuador y los costos asociados a esta labor. Se analiza la conveniencia para una institución financiera que las cobranzas de segmentos de la cartera vencida de créditos se realicen por medio de empresas recaudadoras, las cuales gestionan la recuperación de valores, estableciendo un costo basado en un acuerdo previo con la institución (Outsourcing de la cobranza de los créditos). Se utiliza información pública de bancos privados ecuatorianos, en el periodo 2015 a 2017. Se plantea un modelo econométrico que permite confirmar la influencia que tienen las comisiones pagadas a las empresas recaudadoras sobre la recuperación de créditos concedidos. Adicionalmente, se verifica que las empresas recaudadoras presentan mayor eficiencia en la labor de cobro de créditos vencidos, frente a instituciones bancarias, basándose en un modelo de optimización matemática y casos individuales de estudio.
The present investigation is based on the activity of credit collections granted by Ecuador's private banks and the costs associated with this work. The convenience for a financial institution is analyzed that the collection of segments of the overdue loan portfolio is carried out by collecting companies, which manage the recovery of values, establishing a cost based on a prior agreement with the institution (Outsourcing of the collection of credits). Public information from Ecuadorian private banks is used in the period from 2015 to 2017. An econometric model is proposed to confirm the influence of the commissions paid to collecting companies on the recovery of granted credits. Additionally, it is verified that collecting companies present greater efficiency in the task of collecting overdue loans, compared to banking institutions, based on a mathematical optimization model and individual cases of study.
The present investigation is based on the activity of credit collections granted by Ecuador's private banks and the costs associated with this work. The convenience for a financial institution is analyzed that the collection of segments of the overdue loan portfolio is carried out by collecting companies, which manage the recovery of values, establishing a cost based on a prior agreement with the institution (Outsourcing of the collection of credits). Public information from Ecuadorian private banks is used in the period from 2015 to 2017. An econometric model is proposed to confirm the influence of the commissions paid to collecting companies on the recovery of granted credits. Additionally, it is verified that collecting companies present greater efficiency in the task of collecting overdue loans, compared to banking institutions, based on a mathematical optimization model and individual cases of study.
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CARTERA DE CRÉDITOS, BANCOS, GESTIÓN DE COBRANZAS Y OUTSURCING