Análisis de la aplicación de la ley orgánica derogatoria a la ley de burós de información crediticia y su efecto en el desarrollo económico del ecuador en 2014
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2015
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Universidad de Guayaquil Facultad de Ciencias Administrativas
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Este trabajo consiste en analizar la aplicación de la Ley de Derogatoria de Burós de Información Crediticia y su efecto en el desarrollo económico del Ecuador en 2014, tiene como finalidad identificar variables que afectan la expansión del crédito bancario, evaluando el impacto del cambio en la ley y efecto sobre la economía del Ecuador.
Se realiza una investigación de tipo descriptiva estadística, la investigación descriptiva permite describir los conceptos y teorías del crédito, de la información crediticia y la evolución de las instituciones bancarias en el Ecuador.
A través de la estadística se resuelve la hipótesis con datos históricos obtenidos de la Superintendencia de Bancos y Banco Central del Ecuador para luego realizar seis regresiones en relación con las variables que afectan la expansión del crédito y el índice de profundidad de información crediticia que mide las normas que afectan el alcance, la accesibilidad y calidad de la información.
Como resultado se obtiene que la expansión del crédito se afecte al tener información crediticia con menor cobertura, niveles altos de morosidad y un desequilibrio en la actividad económica, por tal razón se concluye que la institución que realice la actividad de referencia crediticia debe cumplir con este elemento para identificar el nivel de endeudamiento y comportamiento crediticio de los ecuatorianos.
Se recomienda que los burós de crédito y registro crediticio público deban cubrir a todas las instituciones que ofrecen crédito, sea pública, privada, persona natural o jurídica y recoger el cien por ciento de la información positiva y negativa.
This work is to analyze the implementation of the Repeal Act of Credit Information Bureaus and its effect on the economic development of Ecuador in 2014; it aims to identify variables that affect the expansion of bank credit, assessing the impact of the change in the law and effect on the economy of Ecuador. An investigation is conducted descriptive statistics, descriptive research can describe the concepts and theories of credit, credit information and the development of banking institutions in Ecuador. Through statistical hypothesis with historical data obtained from the Superintendency of Banks and Central Bank of Ecuador and then make six regressions in relation to variables that affect credit expansion and depth index that measures credit information resolves the rules affecting the scope, accessibility and quality of information. As a result we obtain that credit expansion is affected by having credit information with less coverage and high levels of delinquency, for this reason it is concluded that the institution that carries out the function of credit reference must meet this element to identify the level of indebtedness and credit behavior of Ecuadorians. It is recommended that the credit bureaus and public credit registry should cover all institutions offering credit, whether public, private, natural or legal person and collect one hundred percent positive and negative information.
This work is to analyze the implementation of the Repeal Act of Credit Information Bureaus and its effect on the economic development of Ecuador in 2014; it aims to identify variables that affect the expansion of bank credit, assessing the impact of the change in the law and effect on the economy of Ecuador. An investigation is conducted descriptive statistics, descriptive research can describe the concepts and theories of credit, credit information and the development of banking institutions in Ecuador. Through statistical hypothesis with historical data obtained from the Superintendency of Banks and Central Bank of Ecuador and then make six regressions in relation to variables that affect credit expansion and depth index that measures credit information resolves the rules affecting the scope, accessibility and quality of information. As a result we obtain that credit expansion is affected by having credit information with less coverage and high levels of delinquency, for this reason it is concluded that the institution that carries out the function of credit reference must meet this element to identify the level of indebtedness and credit behavior of Ecuadorians. It is recommended that the credit bureaus and public credit registry should cover all institutions offering credit, whether public, private, natural or legal person and collect one hundred percent positive and negative information.