bachelorThesis
Propuesta de un plan de administración de riesgo crediticio para Mutualista Azuay, basado en el análisis de portafolio de crédito del año 2015
Fecha
2019-05-17Autor
Illescas Chapa, Lida Lorena
Pacheco Guarquila, Franklin Dario
Institución
Resumen
The development of the present integrative project has the purpose of analyzing the credit portfolio of Mutualista Azuay, through the Basel II method for the 2015 period, and to elaborate a risk management plan. For this purpose, a field and bibliographical investigation was carried out, which allowed compiling the necessary information to sustain this work in a theoretical and scientific way, applying an investigation to identify the process, terms and amounts of granting of credit in Mutualista Azuay, the credit policies of the entity were reviewed, the procedures for appraisals and credit guarantees were identified. A financial analysis was carried out by the Basel II method and financial indicators were applied to measure levels of profitability and solvency of the entity. Following the analysis carried out, a risk management plan was prepared for Mutualista Azuay, which established ways to identify credit risks according to the proposed method, defined strategies to improve the process for granting loans and the risk management.