Políticas de gestión de cobro para la recuperación efectiva de cartera de crédito y su incidencia en empresa Network Xperts.
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Fecha
2020
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Universidad de Guayaquil, Facultad de Ciencias Administrativas
Resumen
El desarrollo de esta tesis tiene como objetivo diseñar políticas de gestión de cobro para la
recuperación efectiva de la cartera de crédito y su incidencia en la empresa Network Xperts
S.A. En la investigación se destaca que la empresa afronta problemas en la recuperación de su
cartera vencida viéndose expuesta a un futuro conflicto de morosidad y generando
insatisfacción a los directivos respecto a las gestiones realizadas en el recobro de los valores.
No cuenta con políticas y procedimientos para el área de finanzas. Esto afecta a la empresa
debido a que el área mencionada no tiene un control en los procedimientos de cobros además
de no tener definida una adecuada segregación de funciones.
Con la finalidad de mejorar las falencias que existe en la empresa como propuesta se plantea
la recuperación de los impagos con técnicas de cobro de la cartera vencida a través de políticas
efectivas de cobranzas que se utilizará como herramienta para solicitar el pago de una manera
efectiva y directa, evitando situaciones conflictivas y legales, pero obligando al deudor a
cumplir con sus obligaciones que generará beneficios para la compañía.
The development of this thesis aims to design collection management policies for the effective recovery of credit portfolio and its impact on company Network Xperts S.A. The investigation highlights that the company faces problems in the recovery of its overdue portfolio, being exposed to a future conflict of delinquency and generating dissatisfaction among the managers regarding the steps taken to recover the securities. It does not have policies and procedures for the finance area. This affects the company due to the fact that the aforementioned area does not have a control in the collection procedures in addition to not having defined an adequate segregation of functions. In order to improve the shortcomings that exist in the company, as a proposal, the recovery of defaults with collection techniques for the overdue portfolio is proposed through effective collection policies that will be used as a tool to request payment in an effective and direct, avoiding conflictive and legal situations, but forcing the debtor to comply with their obligations that will generate benefits for the company.
The development of this thesis aims to design collection management policies for the effective recovery of credit portfolio and its impact on company Network Xperts S.A. The investigation highlights that the company faces problems in the recovery of its overdue portfolio, being exposed to a future conflict of delinquency and generating dissatisfaction among the managers regarding the steps taken to recover the securities. It does not have policies and procedures for the finance area. This affects the company due to the fact that the aforementioned area does not have a control in the collection procedures in addition to not having defined an adequate segregation of functions. In order to improve the shortcomings that exist in the company, as a proposal, the recovery of defaults with collection techniques for the overdue portfolio is proposed through effective collection policies that will be used as a tool to request payment in an effective and direct, avoiding conflictive and legal situations, but forcing the debtor to comply with their obligations that will generate benefits for the company.
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Palabras clave
POLÍTICAS, COBRANZA, CARTERA DE CRÉDITO, GESTIÓN DE COBRO