Análisis del crédito otorgado por la banca privada a pequeñas y medianas empresas en la ciudad de Guayaquil, período 2015-2019
Fecha
2020-05
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Facultad de Ciencias Económicas. Universidad de Guayaquil
Resumen
La banca privada del Ecuador es un conjunto de instituciones financieras que en la actualidad ha desarrollado un papel significativo en la economía del país, ya que actualmente son utilizadas como un instrumento de financiamiento para el crecimiento y desarrollo de las PYMES, mediante el otorgamiento de créditos que permitan financiar actividades de producción, comercio o servicios. La presente investigación tiene como objetivo general realizar un análisis del crédito otorgado por la banca privada a pequeñas y medianas empresas de la ciudad de guayaquil, periodo 2015-2019, para ello se da a conocer la participación, evolución, crecimiento y desarrollo de crédito de la banca privada en Guayaquil y la repercusión que estos créditos generan hacia las Pymes. La metodología para el desarrollo del presente trabajo se basó en el uso de revisión de fuentes oficiales de la Asobanca, que proporciono información oportuna y transparente sobre el otorgamiento y desarrollo de créditos por parte de la banca privada, además se realizó una investigación de campo a las principales entidades bancarias para conocer los requerimientos que permitan acceder a créditos, el diseño de esta investigación es de tipo bibliográfico y cualitativo. Como resultado se evidencia que la banca privada ha tenido un crecimiento significativo en el otorgamiento de créditos y que ha surgido un incremento del número de entidades bancarias que brindan actualmente estos servicios de microcréditos, a su vez se pudo constatar que los requisitos para acceder a estos créditos aun causan limitantes para aquellas PYMES con corto tiempo en el mercado.
Ecuador's private banks are a group of financial institutions that have currently played a significant role in the country's economy, since they are currently used as a financing instrument for the growth and development of SMEs, through the granting of loans. that allow financing activities of production, trade or services. The purpose of this research is to carry out an analysis of the credit granted by private banks to small and medium-sized companies in the city of Guayaquil, period 2015-2019, for which purpose the participation, evolution, growth and development of credit of private banking in Guayaquil and the repercussion that these credits generate for SMEs. The methodology for the development of this work was based on the use of a review of official sources of the Asobanca, which provided timely and transparent information on the granting and development of credits by private banks, in addition, a field investigation was carried out on The main banking entities to know the requirements that allow access to credits, the design of this research is bibliographic and qualitative. As a result, it is evident that private banking has had a significant growth in the granting of credits and that an increase in the number of banks that currently provide these microcredit services has emerged, in turn it was found that the requirements to access these Credits still cause limitations for those SMEs with a short time in the market.
Ecuador's private banks are a group of financial institutions that have currently played a significant role in the country's economy, since they are currently used as a financing instrument for the growth and development of SMEs, through the granting of loans. that allow financing activities of production, trade or services. The purpose of this research is to carry out an analysis of the credit granted by private banks to small and medium-sized companies in the city of Guayaquil, period 2015-2019, for which purpose the participation, evolution, growth and development of credit of private banking in Guayaquil and the repercussion that these credits generate for SMEs. The methodology for the development of this work was based on the use of a review of official sources of the Asobanca, which provided timely and transparent information on the granting and development of credits by private banks, in addition, a field investigation was carried out on The main banking entities to know the requirements that allow access to credits, the design of this research is bibliographic and qualitative. As a result, it is evident that private banking has had a significant growth in the granting of credits and that an increase in the number of banks that currently provide these microcredit services has emerged, in turn it was found that the requirements to access these Credits still cause limitations for those SMEs with a short time in the market.
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DESARROLLO EMPRESARIAL, EMPRENDIMIENTO, BANCA PRIVADA, CRÉDITO