Proceso de Gestión de Cobranzas para la Recuperación de la Cartera Vencida del Grupo Pichincha C.A.

collection management is a process of actions carried out by the companies that loans are mostly financial companies such as banks, Savings and Credits, these financial institutions are regulated by the Superintendency of Banks; according to the General Law of Institutions of the Financial System in its article 1. The past due portfolio of a company, is made up of credits that have not been canceled on the due date stipulated in the document or contract at the beginning of the granting of credit; actions are applied in an appropriate and timely manner to customers, maintaining good relations for future negotiations. The process of managing collections is a constant contact with the customer that begins with the analysis of the customer's current situation, contacting the customer, offering payment alternatives according to the timely follow-up to control compliance with the payment or negotiation agreed; so this collection process must achieve fulfill the main objective pursued by a company that has a past due portfolio that, is that the demandable assets of the company become liquid assets in the most possible for the normal turnover of the business. In the process of collection management to obtain the analysis of the situation customer and reach a negotiation or define a payment agreement some questions, such as: Who is the client? What is their current economic situation? were the conditions for the granting of the credit? Why is it in arrears? is your current situation in the risk center? What relationship does it maintain with co-debtors or guarantors, etc.

• Autor principal: Juca Solis, Damaris Yosseline (author)
• Formato: bachelorThesis
• Idioma: spa
• Publicado em: 2017
• Assuntos: Cobranzas; Gestión; Vencida; Pichincha
• Acesso em linha: http://dspace.utb.edu.ec/handle/49000/2466