Análisis de la eficiencia del proceso de otorgamiento de líneas de crédito de banco Bolivariano en el Ecuador.

Abstract

The credit is one of the most important variable for the development of a country. In Ecuador, the credit market is small and volatile, that creates fails into the Bank system. In this case, these fails create a disproposionate rationate. This subject affects to all the country and moreover to the productive sector. The most important subject into the Bank market is the speed for analyze, Access and the performance for the payday loans in all the economic sectors. This document explains the fails of the credit process in Ecuador, and then the author compares with the characteristics of a neighbor country (Colombia). Finally she makes a selection of two banks, and she compares both process to exploit the better of them. In chapter 1, the author talk about generalities of the study, with objectives, background, etc. In chapter 2, she revises the theatrical mark for the credit, credit process and the real situation of two countries. In chapter 3, the author characterize the credit process, and in the chapter 4 she compares the two countries in a credit view. Finally, the author makes conclusions and recommendations for the subject.