Análisis de la cartera de crédito de la banca pública y privada al sector productivo del Ecuador. Período 2015-2019
Fecha
2021-04-22
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Universidad de Guayaquil. Facultad de Ciencias Económicas
Resumen
El acceso a financiamiento es fundamental para crecimiento y desarrollo económico de un país, con ello se resalta la importancia de orientar los créditos hacia los sectores productivos y reducir aquellos encaminados hacia el consumo, tendencia marcada en últimos años. El objetivo de este trabajo de investigación es analizar el aporte de los créditos que otorga la banca pública y privada al sector productivo, para ello se aplicó la metodología bajo un enfoque cuantitativo, con un alcance de tipo descriptivo a través de la recolección de datos que proporciona las fuentes oficiales gubernamentales resaltando las características más importantes del estudio. Los resultados muestran que en términos monetarios la banca privada aporta en mayor cuantía al sector productivo, pero en términos porcentuales en relación con el destino de créditos es el sector financiero público quién destina casi la totalidad de su cartera a créditos productivos y cuyos principales sectores a los que se destinan son el sector agropecuario, manufacturero, construcción y comercio.
Access to financing is essential for the growth and economic development of a country, thus highlighting the importance of directing credits towards productive sectors and reducing those directed towards consumption, a trend marked in recent years. The objective of this research work is to analyze the contribution of credits granted by public and private banks to the productive sector, for this the methodology was applied under a quantitative approach, with a descriptive scope through the collection of data that provides official government sources highlighting the most important characteristics of the study. The results show that in monetary terms the private banking sector contributes a greater amount to the productive sector, but in percentage terms in relation to the destination of credits, it is the public financial sector that allocates almost all of its portfolio to productive credits and whose main sectors to those that are destined are the agricultural, manufacturing, construction and commerce sectors.
Access to financing is essential for the growth and economic development of a country, thus highlighting the importance of directing credits towards productive sectors and reducing those directed towards consumption, a trend marked in recent years. The objective of this research work is to analyze the contribution of credits granted by public and private banks to the productive sector, for this the methodology was applied under a quantitative approach, with a descriptive scope through the collection of data that provides official government sources highlighting the most important characteristics of the study. The results show that in monetary terms the private banking sector contributes a greater amount to the productive sector, but in percentage terms in relation to the destination of credits, it is the public financial sector that allocates almost all of its portfolio to productive credits and whose main sectors to those that are destined are the agricultural, manufacturing, construction and commerce sectors.
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SECTOR FINANCIERO PÚBLICO, SECTOR PRODUCTIVO, CARTERA DE CRÉDITOS, SECTOR FINANCIERO PRIVADO