Análisis de la cartera de créditos del sector financiero en el Ecuador 2015-2019
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2021-03-02
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Universidad de Guayaquil. Facultad de Ciencias Económicas
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Con la aprobación de la Constitución de la República del Ecuador en 2008, se establece que el sistema financiero está conformado por los sectores privado, público y popular y solidario; que mediante un cuerpo legal (Código Orgánico Monetario y Financiero) desarrollan sus actividades financieras, monetarias, crediticias y cambiarias. Los créditos que proveen estos sectores son el principal mecanismo para el financiamiento de las actividades económicas que favorecen el desarrollo del país. Por ello, en esta investigación se realizó un análisis de la cartera de créditos durante el periodo 2015-2019 considerando volumen y participación de créditos, morosidad, tasas de interés y solvencia, con la revisión de los aspectos teóricos, normativa y fenómenos específicos. Los datos provienen de los reportes emitidos por la banca privada, pública y el segmento 1 de las cooperativas de ahorro y crédito, a los entes de control; los que permitieron evidenciar que, en volumen de créditos la mayor participación está en los segmentos comerciales y de consumo, el SF Público tiene la mayor morosidad promedio (5,7%), el mayor rendimiento de cartera está en el SF Popular y Solidario (16,12% promedio), la solvencia de las entidades se encuentra por encima del 9% mínimo requerido por normativa.
With the adoption of the Constitution of the Republic of Ecuador in 2008, it is established that the financial system consists of the private, public and popular and solidarity sectors; that through a legal body (Monetary and Financial Organic Code) develop their financial, monetary, credit and exchange rate activities. The credits provided by these sectors are the main mechanism for financing the country's development-promoting economic activities. Therefore, this research carried out an analysis of the credit portfolio during the period 2015-2019 considering volume and participation of credits, delinquency, interest rates and solvency, with the revision of the theoretical, normative and specific phenomena aspects. The data comes from reports issued by private, public and segment 1 of the savings and credit cooperatives, to the control authorities; those who showed that, in the volume of credits the largest share is in the commercial and consumer segments, the Public SF has the highest average delinquency (5.7%), the highest portfolio yield is in the Popular and Solidarity SF (16.12% average), the solvency of the entities is above the minimum 9% required by regulations
With the adoption of the Constitution of the Republic of Ecuador in 2008, it is established that the financial system consists of the private, public and popular and solidarity sectors; that through a legal body (Monetary and Financial Organic Code) develop their financial, monetary, credit and exchange rate activities. The credits provided by these sectors are the main mechanism for financing the country's development-promoting economic activities. Therefore, this research carried out an analysis of the credit portfolio during the period 2015-2019 considering volume and participation of credits, delinquency, interest rates and solvency, with the revision of the theoretical, normative and specific phenomena aspects. The data comes from reports issued by private, public and segment 1 of the savings and credit cooperatives, to the control authorities; those who showed that, in the volume of credits the largest share is in the commercial and consumer segments, the Public SF has the highest average delinquency (5.7%), the highest portfolio yield is in the Popular and Solidarity SF (16.12% average), the solvency of the entities is above the minimum 9% required by regulations
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CRÉDITOS, SISTEMA FINANCIERO, SECTORES, ECONOMÍA