LA CENTRAL DE RIESGO Y SU INFLUENCIA EN LA CONCESIÓN DE CRÉDITOS EN EL SISTEMA BANCARIO DE LA CIUDAD DE PORTOVIEJO. PERÍODO 2005-2007

Abstract

During many years, the banks have been an importan* bastión inside the economy of all country; mainly for thaí are the main suppliers of credits to the productive system.When managing bilis to get paid, inside the benefit of monetary resources, it is clear that they should know how to invest in a good way these resources, to run the smallest possible risk in the recovery of a money that belongs to those who deposit daily in the bank institutions. It is for íhis reason that the banks have gone implementing through the time, different processes and instruments, tendientes to improve the collectibility to their debtors. These processes go from the setting-up of requirements in the approval of the credit, until a sinnúmero of instruments for the collectíon of the respective quotas, or owing valúes. Inside these, the banks consider as the most important instrument of valuation to the power station of risk. It is necessary to indícate thaí the general limits for the selection of the instruments to use in the mensuration and control of the credit risk, it establishes them the Superintendence of Banks and Sure. And it is that from the implementation with bigger responsibility of the power station of risk, the borrowed quantities have grown to the different sectors of the economy; as well as that has diminished the cónquered wallet from the bank system to national level. This aspect ratifies the ímportance that has the power station of risk for the bank institutions