Las tarjetas de crédito bancarias y el endeudamiento en el Ecuador
No hay miniatura disponible
Fecha
2020-10
Título de la revista
ISSN de la revista
Título del volumen
Editor
Universidad de Guayaquil. Facultad de Ciencias Económicas
Resumen
Ecuador recientemente ha vivido dos diferentes períodos económicos: uno de crecimiento entre el 2009 y el 2013 debido a los altos precios del petróleo, y otro de contracción desde el 2014 al presente, debido al desplome de los mismos. Durante la época de expansión, el crédito en Ecuador creció exponencialmente debido a la estabilidad de la moneda. Ahora que la economía está en contracción, el crédito otorgado corre el riesgo de corromperse o convertirse en maligno, generando altos índices de morosidad e insolvencia. Por tanto, el objetivo general de este estudio es determinar si los niveles de deuda a nivel de tarjeta de crédito han llegado a niveles críticos en el Ecuador, y para determinar aquello se aplicará una metodología explicativa, longitudinal y documental, con el fin de conocer, si el mismo pudiera desencadenar una crisis financiera en el país. Los resultados obtenidos son alarmantes ya que se ha podido constatar que si existe un sobreendeudamiento del sector por parte de los tarjetahabientes. Sin embargo, se ha llegado a la conclusión que pese a que exista un sobreendeudamiento en el sector no determina que exista una inestabilidad financiera en el país, dado que el segmento de las tarjetas de crédito solo representa tan solo una participación de 0.1% del sistema financiero total del Ecuador, por ende, no afecta de forma profunda al sistema financiero, se pueden ir tomando medidas previsoras como por ejemplo reducir los límites de crédito, recibir por parte del estado capacitación de educación financiera, entre otras.
Ecuador has recently experienced two different economic periods: one of growth between 2009 and 2013 due to high oil prices, and another of contraction from 2014 to the present, due to their collapse. During the expansion period, credit in Ecuador grew exponentially due to the stability of the currency. Now that the economy is in contraction, the credit granted runs the risk of being corrupted or becoming malignant, generating high rates of delinquency and insolvency. Therefore, the general objective of this study is to determine if the levels of debt at the credit card level have reached critical levels in Ecuador, and to determine this, an explanatory, longitudinal and documentary methodology will be applied, in order to know, if it could trigger a financial crisis in the country. The results obtained are alarming since it has been found that there is an over-indebtedness of the sector on the part of cardholders. However, it has been concluded that despite the existence of over-indebtedness in the sector, it does not determine that there is financial instability in the country, given that the credit card segment only represents only a 0.1% share of the system Ecuador's total financial system, therefore, does not profoundly affect the financial system; proactive measures can be taken, such as reducing credit limits, receiving financial education training from the state, among others.
Ecuador has recently experienced two different economic periods: one of growth between 2009 and 2013 due to high oil prices, and another of contraction from 2014 to the present, due to their collapse. During the expansion period, credit in Ecuador grew exponentially due to the stability of the currency. Now that the economy is in contraction, the credit granted runs the risk of being corrupted or becoming malignant, generating high rates of delinquency and insolvency. Therefore, the general objective of this study is to determine if the levels of debt at the credit card level have reached critical levels in Ecuador, and to determine this, an explanatory, longitudinal and documentary methodology will be applied, in order to know, if it could trigger a financial crisis in the country. The results obtained are alarming since it has been found that there is an over-indebtedness of the sector on the part of cardholders. However, it has been concluded that despite the existence of over-indebtedness in the sector, it does not determine that there is financial instability in the country, given that the credit card segment only represents only a 0.1% share of the system Ecuador's total financial system, therefore, does not profoundly affect the financial system; proactive measures can be taken, such as reducing credit limits, receiving financial education training from the state, among others.
Descripción
PDF
Palabras clave
PROPENSIÓN DE CONSUMO, CRÉDITO DE CONSUMO, SOBREENDEUDAMIENTO, CRECIMIENTO ECONÓMICO