Estrategias Financieras y Administrativas para reducir el Riesgo Crediticio en BanEcuador Agencia Riobamba.

Abstract

The main purpose of this study was to design financial and administrative strategies to reduce the credit risk in BanEcuador BP Riobamba agency, by the implementation of appropriate processes in the portfolio management. In order to conduct this research, a sample of 117 clients maintaining ongoing loans were subjected to a survey as well as 14 employees in the area of credit and collection. In addition to this, it was developed a vertical and horizontal analysis of the credit portfolio of the agency, as well as the study of financial indicators. The data for the analysis were gathered with cutoff at the first semester of the year 2017. As a result, it was possible to find out that the credit risk increased due to the inappropriate process when granting a credit. It was concluded that the unproductive portfolio of the entity has not been evaluated according to profitability indicators, and strategic policies have not been established for the credit risk reduction, for this reason, the increase in the default ratio was generated at 4.33%. As a final recommendation, it is important the implementation of strategies designed under the management model of public entities, which will make possible to adopt a better financial culture, offer good customer service, control the credit risk, and increase the profitability of the institution.