The Effect of the Economic Cycle on the Structure of Bank Provisions for Bad Loans: Case of Ecuador 2004-2016
The present article analyzes the relationship between the evolution of the provisions for bad accounts made by the banks conforming to the Ecuadorian financial system and the change in the economic cycle, expressed as changes in the Gross Domestic Product (GDP). In the correlation analysis of a data...
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| Format: | article |
| Sprog: | spa |
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2018
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| Online adgang: | https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/448 |
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| author | Mendieta-Andrade, Patricio |
| author_facet | Mendieta-Andrade, Patricio |
| author_role | author |
| collection | Revistas Universidad Tecnológica Equinoccial |
| dc.creator.none.fl_str_mv | Mendieta-Andrade, Patricio |
| dc.date.none.fl_str_mv | 2018-06-01 |
| dc.format.none.fl_str_mv | application/pdf |
| dc.identifier.none.fl_str_mv | https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/448 10.29019/eyn.v9i1.448 |
| dc.language.none.fl_str_mv | spa |
| dc.publisher.none.fl_str_mv | Universidad UTE |
| dc.relation.none.fl_str_mv | https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/448/387 |
| dc.rights.none.fl_str_mv | Derechos de autor 2018 El Autor https://creativecommons.org/licenses/by/3.0/ec/ info:eu-repo/semantics/openAccess |
| dc.source.none.fl_str_mv | Economía y Negocios; Vol. 9 No. 1 (2018): Journal Economía y Negocios (January - June 2018); 157-169 Economía y Negocios; Vol. 9 Núm. 1 (2018): Revista Economía y Negocios (Enero - Junio 2018); 157-169 2602-8050 reponame:Revistas Universidad Tecnológica Equinoccial instname:Universidad Tecnológica Equinoccial instacron:UTE |
| dc.subject.none.fl_str_mv | Banking provisions Business cycle Correlation Provisiones bancarias Ciclo económico Correlación |
| dc.title.none.fl_str_mv | The Effect of the Economic Cycle on the Structure of Bank Provisions for Bad Loans: Case of Ecuador 2004-2016 El Efecto del Ciclo Económico en la Estructura de las Provisiones Bancarias para Créditos Incobrables: Caso Ecuador 2004-2016 |
| dc.type.none.fl_str_mv | info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Evaluado por pares |
| description | The present article analyzes the relationship between the evolution of the provisions for bad accounts made by the banks conforming to the Ecuadorian financial system and the change in the economic cycle, expressed as changes in the Gross Domestic Product (GDP). In the correlation analysis of a data set that covers the period 2004-2016, the effect of the normative inclusion of the countercyclical provision in the structure of this account is identified, uncovering two different scenarios; One prior to the norm, in which the countercyclical relationship between the variation of the GDP and the provisions is verified, and a second scenario, after the validity of the norm, where it is possible to appreciate a change in the relationship between the variables studied, and Being verified the significance that the growth of the portfolio acquires in the explanation of the variation of the provisions. |
| eu_rights_str_mv | openAccess |
| format | article |
| id | REVUTE_16566ff658cd84605db5c15c595dbc8f |
| identifier_str_mv | 10.29019/eyn.v9i1.448 |
| instacron_str | UTE |
| institution | UTE |
| instname_str | Universidad Tecnológica Equinoccial |
| language | spa |
| network_acronym_str | REVUTE |
| network_name_str | Revistas Universidad Tecnológica Equinoccial |
| oai_identifier_str | oai:revistas.ute.edu.ec:article/448 |
| publishDate | 2018 |
| publisher.none.fl_str_mv | Universidad UTE |
| reponame_str | Revistas Universidad Tecnológica Equinoccial |
| repository.mail.fl_str_mv | . |
| repository.name.fl_str_mv | Revistas Universidad Tecnológica Equinoccial - Universidad Tecnológica Equinoccial |
| repository_id_str | 0 |
| rights_invalid_str_mv | Derechos de autor 2018 El Autor https://creativecommons.org/licenses/by/3.0/ec/ |
| spelling | The Effect of the Economic Cycle on the Structure of Bank Provisions for Bad Loans: Case of Ecuador 2004-2016El Efecto del Ciclo Económico en la Estructura de las Provisiones Bancarias para Créditos Incobrables: Caso Ecuador 2004-2016Mendieta-Andrade, PatricioBanking provisionsBusiness cycleCorrelationProvisiones bancariasCiclo económicoCorrelaciónThe present article analyzes the relationship between the evolution of the provisions for bad accounts made by the banks conforming to the Ecuadorian financial system and the change in the economic cycle, expressed as changes in the Gross Domestic Product (GDP). In the correlation analysis of a data set that covers the period 2004-2016, the effect of the normative inclusion of the countercyclical provision in the structure of this account is identified, uncovering two different scenarios; One prior to the norm, in which the countercyclical relationship between the variation of the GDP and the provisions is verified, and a second scenario, after the validity of the norm, where it is possible to appreciate a change in the relationship between the variables studied, and Being verified the significance that the growth of the portfolio acquires in the explanation of the variation of the provisions.El presente artículo analiza la relación existente entre la evolución de las provisiones para cuentas incobrables realizadas por los bancos conformantes del sistema financiero ecuatoriano y el ciclo económico, expresado como los cambios del Producto Interno Bruto (PIB). En el análisis correlacional de un conjunto de datos que comprende el periodo 2004-2016, se identifica el efecto de la inclusión, vía normativa, de la provisión anticíclica en la estructura de ésta cuenta, desatacándose dos escenarios diferentes; uno previo a la norma, en el cual se verifica la relación contracíclica entre la variación del PIB y las provisiones y un segundo escenario, posterior a la vigencia de la norma, donde es posible apreciar un cambio en la relación entre las variables estudiadas, y comprobándose la significancia que adquiere el crecimiento de la cartera en la explicación de la variación de las provisiones.Universidad UTE2018-06-01info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionPeer-reviewedEvaluado por paresapplication/pdfhttps://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/44810.29019/eyn.v9i1.448Economía y Negocios; Vol. 9 No. 1 (2018): Journal Economía y Negocios (January - June 2018); 157-169Economía y Negocios; Vol. 9 Núm. 1 (2018): Revista Economía y Negocios (Enero - Junio 2018); 157-1692602-8050reponame:Revistas Universidad Tecnológica Equinoccialinstname:Universidad Tecnológica Equinoccialinstacron:UTEspahttps://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/448/387Derechos de autor 2018 El Autorhttps://creativecommons.org/licenses/by/3.0/ec/info:eu-repo/semantics/openAccess2023-07-01T21:29:16Zoai:revistas.ute.edu.ec:article/448Institucionalhttps://www.ute.edu.ec/revistas-ute/Universidad privadahttps://www.ute.edu.ec/..Ecuador.1390-65421390-6542opendoar:02023-07-01T21:29:16Revistas Universidad Tecnológica Equinoccial - Universidad Tecnológica Equinoccialfalse |
| spellingShingle | The Effect of the Economic Cycle on the Structure of Bank Provisions for Bad Loans: Case of Ecuador 2004-2016 Mendieta-Andrade, Patricio Banking provisions Business cycle Correlation Provisiones bancarias Ciclo económico Correlación |
| status_str | publishedVersion |
| title | The Effect of the Economic Cycle on the Structure of Bank Provisions for Bad Loans: Case of Ecuador 2004-2016 |
| title_full | The Effect of the Economic Cycle on the Structure of Bank Provisions for Bad Loans: Case of Ecuador 2004-2016 |
| title_fullStr | The Effect of the Economic Cycle on the Structure of Bank Provisions for Bad Loans: Case of Ecuador 2004-2016 |
| title_full_unstemmed | The Effect of the Economic Cycle on the Structure of Bank Provisions for Bad Loans: Case of Ecuador 2004-2016 |
| title_short | The Effect of the Economic Cycle on the Structure of Bank Provisions for Bad Loans: Case of Ecuador 2004-2016 |
| title_sort | The Effect of the Economic Cycle on the Structure of Bank Provisions for Bad Loans: Case of Ecuador 2004-2016 |
| topic | Banking provisions Business cycle Correlation Provisiones bancarias Ciclo económico Correlación |
| url | https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/448 |