Tesis
Estrategias Financieras y Administrativas para reducir el Riesgo Crediticio en BanEcuador Agencia Riobamba.
Fecha
2018-04Registro en:
Barrera Ramírez, Silvia Mercedes. (2018). Estrategias Financieras y Administrativas para reducir el Riesgo Crediticio en BanEcuador Agencia Riobamba. Escuela Superior Politécnica de Chimborazo. Riobamba.
Autor
Barrera Ramírez, Silvia Mercedes
Resumen
The main purpose of this study was to design financial and administrative strategies to reduce the
credit risk in BanEcuador BP Riobamba agency, by the implementation of appropriate processes
in the portfolio management. In order to conduct this research, a sample of 117 clients maintaining
ongoing loans were subjected to a survey as well as 14 employees in the area of credit and
collection. In addition to this, it was developed a vertical and horizontal analysis of the credit
portfolio of the agency, as well as the study of financial indicators. The data for the analysis were
gathered with cutoff at the first semester of the year 2017. As a result, it was possible to find out
that the credit risk increased due to the inappropriate process when granting a credit. It was
concluded that the unproductive portfolio of the entity has not been evaluated according to
profitability indicators, and strategic policies have not been established for the credit risk
reduction, for this reason, the increase in the default ratio was generated at 4.33%. As a final
recommendation, it is important the implementation of strategies designed under the management
model of public entities, which will make possible to adopt a better financial culture, offer good
customer service, control the credit risk, and increase the profitability of the institution.