Estudio de la morosidad en el sector bancario del Ecuador
Cargando...
Fecha
2011-12-08
Autores
Título de la revista
ISSN de la revista
Título del volumen
Editor
Universidad de Guayaquil Facultad de Ciencias Económicas
Resumen
El análisis del sector bancario en la economía del país tiene su
importancia debido a que en las últimas décadas, la economía
ecuatoriana vio mermar su crecimiento a consecuencia de la crisis
económica internacional. La crisis económica iniciada en los sectores
financieros se transmitió al sector real de la economía al crear un clima de
incertidumbre que afectó variables reales, como el consumo, provocando
una contracción en la demanda de bienes y servicios que repercutió en
menores niveles de producción. Sin embargo, la actividad bancaria
comprende una serie de riesgos entre los cuales se destaca el riesgo de
crédito. Un indicador del riesgo crediticio es el nivel de morosidad de la
entidad, es decir, la proporción de su cartera de créditos que se encuentra
en calidad de incumplimiento.
X
Para el logro de este objetivo se han desarrollado algunos instrumentos
que permiten el seguimiento de la evolución de las diversas áreas
bancarias, con el fin de detectar con suficiente antelación cualquier
comportamiento que pueda exponer al sistema a una situación de crisis
generalizada.
The analysis of the banking sector in the economy of the country has its importance because in recent decades , the economy Ecuadorian impair its growth was a result of the crisis international economic . The economic crisis that began in the sectors Financial was transmitted to the real sector of the economy to create a climate of uncertainty that affect real variables such as consumption , causing a contraction in the demand for goods and services that impacted lower production levels . However , banking comprises a number of risks including the risk of stands credit. An indicator of credit risk is the level of delinquency entity , ie , the proportion of its loan portfolio which is as default. To achieve this goal have developed some instruments that allow monitoring the evolution of the different areas bank , in order to detect early any behavior that could expose the system to a crisis situation generalized .
The analysis of the banking sector in the economy of the country has its importance because in recent decades , the economy Ecuadorian impair its growth was a result of the crisis international economic . The economic crisis that began in the sectors Financial was transmitted to the real sector of the economy to create a climate of uncertainty that affect real variables such as consumption , causing a contraction in the demand for goods and services that impacted lower production levels . However , banking comprises a number of risks including the risk of stands credit. An indicator of credit risk is the level of delinquency entity , ie , the proportion of its loan portfolio which is as default. To achieve this goal have developed some instruments that allow monitoring the evolution of the different areas bank , in order to detect early any behavior that could expose the system to a crisis situation generalized .
Descripción
PDF
Palabras clave
CRISIS BANCARIA, BANCOS, RIESGO BANCARIO, MOROSIDAD BANCARIA