EVOLUCIÓN CREDITICIA EN BANCOS PRIVADOS DEL ECUADOR (JULIO 2014 A JULIO 2015)

Abstract

Since 2014, certain economic difficulties have shown up in Ecuador, some of them being the most recent oil crisis, which has influenced a growth in debt and a general lack of liquidity in the financial system. This could potentially affect private banking’s credit allocations, which are necessary for economic development. Said difficulties could be related to the actual government’s economic and commercial policies, alongside some externalities. Given the importance of credit supply and the most recent economic complications, the objective of this work is to explore the fluctuations and general behavior of the credit allocations from the private banks in the period of July 2014 to July 2015 and the possible causes of those variations. Through a Descriptive – Quantitative investigation of collected data, it was found that the actual crisis has slowed down the overall growth of credit allocation volume, presenting lower increment levels compared to non - crisis years, coupled with an increase in arrearage in certain credit segments.