Análisis de ventajas y desventajas del otorgamiento de tarjeta de crédito de parte de las instituciones financieras del Ecuador período 2010–primer semestre año 2012
Fecha
2013
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Universidad de Guayaquil, Facultad de Ciencia Administrativas
Resumen
El mercado de las tarjetas de crédito, desde sus inicios a principios del siglo pasado, donde sus principales clientes eran personas muy importantes, de la nobleza gobernantes, o directores de empresas. A lo largo del tiempo ha ido evolucionando hasta llegar a todos los niveles sociales a nivel local nacional o internacional. si bien se centra en la responsabilidad y madurez, que debe de tener y
afrontar toda persona que es sujeto de crédito, el tarjetahabiente debe tomar en cuenta el manejo y administración, también las ventajas y desventajas para el usuario, pues esto lo puede llevar a endeudarse por un largo tiempo, y el compromiso que de manera, justa , si es cierto, el dinero plástico nos soluciona muchos problemas, es por esto que las instituciones financieras ponen en práctica métodos y facilidades de pago. Teóricamente justificando el fin para la cual fue creada, en la práctica el objetivo de las entidades bancarias es obtener el mejor crédito en el menor plazo posible.
Para ello se ponen limitaciones y restricciones dependiendo de los clientes, clasificándola dependiendo del mercado y el estatus social al que se la introduce, todo esto obedece a un mercado monetario en constante cambio, esto depende de indicadores que son debidamente monitoreados
de manera constante por los entes emisores de las mismas y entidades estatales de control a más de que es un mercado en constante cambio y crecimiento debido al entorno cada vez globalizado. El gobierno a través de las políticas de estado ha logrado regular de manera eficiente las tasas tarifas de consumo y renovación que estas entidades estaban cobrando de manera que sea más ventajoso para el tarjetahabiente, y que se rijan de acuerdo al marco legal que la superintendencia de bancos emite y se cumple a nivel nacional.
The credit cards market, from its beginnings in the early last century, where the main clients were very important people, the ruling nobility, or company directors. Over time it has evolved to reach all levels of society locally or internationally. While focusing on responsibility and maturity, that must have and face a person who is eligible for credit, the cardholder must take into account the management and administration, also the advantages and disadvantages for the user, as this can lead to debt for a long time, and commitment so just, if it is true, the plastic money solves us many problems, is for this reason the financial institutions implement easy payment methods. Theoretically justifying the purpose for which it was created, in practice the objective of banks is to get the best credit in the shortest time possible. The financial institutions put limitations and restrictions depending customers, classifying according and social status to which they introduce, all this is due to a money market constantly changing; this depends on indicators that are properly monitored constantly by the issuers and state entities control over a market that is constantly changing and growing due to increasingly globalized environment. The government trough policies has been efficiently regulate consumptions rates and renewal rates in order to there are more advantages for the cardholder inside a legal framework issued by the Superintendency of Banks and enforced nationally.
The credit cards market, from its beginnings in the early last century, where the main clients were very important people, the ruling nobility, or company directors. Over time it has evolved to reach all levels of society locally or internationally. While focusing on responsibility and maturity, that must have and face a person who is eligible for credit, the cardholder must take into account the management and administration, also the advantages and disadvantages for the user, as this can lead to debt for a long time, and commitment so just, if it is true, the plastic money solves us many problems, is for this reason the financial institutions implement easy payment methods. Theoretically justifying the purpose for which it was created, in practice the objective of banks is to get the best credit in the shortest time possible. The financial institutions put limitations and restrictions depending customers, classifying according and social status to which they introduce, all this is due to a money market constantly changing; this depends on indicators that are properly monitored constantly by the issuers and state entities control over a market that is constantly changing and growing due to increasingly globalized environment. The government trough policies has been efficiently regulate consumptions rates and renewal rates in order to there are more advantages for the cardholder inside a legal framework issued by the Superintendency of Banks and enforced nationally.
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Capacidad de pago, Nivel de ingresos, Nivel de endeudamiento, Análisis de crédito, Cupo asignado, Tarjeta de crédito y tarjetahabiente