Las metodologías de medición del riesgo crediticio en el Banco Nacional de Fomento y su influencia en los niveles de morosidad institucional : caso específico. Sucursal del cantón Pichincha. Período 2012 - 2014.

Abstract

The National Development Bank is a public institution of development, which has been designed to deliver funds via credit to those productive sectors in general, but mainly to small businesses, including agricultural and microempresariales units, little access to they have credit in private banking.However, historically it has failed to fulfill its institutional objectives, and its main problem has been the high levels of delinquency presented, of which circumstance not your agency escapes in Pichincha county of the province of Manabí, much more when the main economic activities which are developed by its inhabitants they are precisely agriculture and livestock. There have been several methodologies established by this institution for purposes of measuring and monitoring risk from all major international standards (Basel I and II), and at national level of the Superintendency of Banks and Insurance of Ecuador. Factors such as the inefficiency of insurance on certain loans, identity and impaired corporate image, failure to follow credit, and lack of effective mechanisms for collection and restructuring are fundamental causes that are maintained over time, levels inadequate delinquency.