Análisis del posicionamiento de los bancos y cooperativas de ahorro y crédito en la economía ecuatoriana : características de la toma de decisiones estratégicas.

Abstract

The present titling work, is very important the role played by the country's economic financial sector, through the analysis of the positioning of banks and credit unions in the Ecuadorian economy, considering the characteristics of their services, as a whole with strategic decision-making and it is impact on the factors and indices that have affected the growth and expansion of these institutions over the last eighteen years. The bibliographic support in this document is related to the trends that the banking and financial sector have had in the Ecuadorian economy since the economic crisis to the present day; Considering that the main cause of the negative trends in the banking sector was the financial instability that occurred specifically between 1999 and 2000, which resulted in financial institutions losing credibility, solvency and economic liquidity. Thus analyze the evolution of the services offered by both institutions, such as loans and deposits, according to the factors that influence the compaction and solidity of their services in the financial market after the banking crisis and the strategies that allowed them to overcome the decreasing effects, to give way to the conversion into more efficient and solvent institutions; Promoting a more important and agile role for the economy. For this reason, it is fundamental to define the differentiating characteristics of the services they provide, in accordance with internal politics in accordance with national legislation.