: Evolución de la morosidad y su efecto en el riesgo crediticio de la banca privada, provincia de Chimborazo, período 2019-2022
ABSTRACT: The present research project entitled "Evolution of delinquency and its effect on the credit risk of private banks, province of Chimborazo, period 2019-2022, was developed with the objective of determining the evolution of delinquency and its effect on the Credit Risk of Private Banki...
Kaydedildi:
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| Materyal Türü: | bachelorThesis |
| Dil: | spa |
| Baskı/Yayın Bilgisi: |
2024
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| Online Erişim: | http://dspace.unach.edu.ec/handle/51000/12318 |
| Etiketler: |
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Etiketle | Özet: | ABSTRACT: The present research project entitled "Evolution of delinquency and its effect on the credit risk of private banks, province of Chimborazo, period 2019-2022, was developed with the objective of determining the evolution of delinquency and its effect on the Credit Risk of Private Banking in the province of Chimborazo in the period 2019- 2022 to calculate the variation of delinquency through the IMOR ratio and establish the credit risk rating in which the private bank is located, the deductive and historical logical method was used with a type of documentary research, with a non-experimental design, the population were the institutions that belong to the private banking sector in the province of Chimborazo, the techniques used were observation and document analysis, the instruments used were the observation guides and document analysis guide, in addition, statistical and financial tools were applied in order to determine the volume of portfolio placed by segments, to know the percentage of delinquency of private banking in the province of Chimborazo. With the above described, the effect of delinquency on the credit risk rating was known and the risk level of each institution was determined, taking into consideration the management of gross and non-performing portfolios, which are part of the application of the delinquency indicator, and data was obtained to validate the evolution of delinquency, finally, the conclusions and recommendations were issued, which are directed to each of the institutions analyzed to improve the process of placements and third party collection policies within the consumer, microcredit, commercial and housing segments. Keywords: Delinquency, Delinquency Rate, Effect, Credit Risk, Rating, Portfolio, Placements, Segments. |
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