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Determination of the risk that can be generated due to an incorrect evaluation of the economic environment while granting cbkp_redit in a medium bank of Ecuador

Abstract:

Since the economic situation of the countries is mostly fluctuant, it may be important to carry out assessments of the economic environment when developing cbkp_redit risk analysis in financial institutions. The purpose of this study is to determine the risk that can be generated by the incorrect evaluation of the economic environment during the cbkp_redit evaluation process of a Medium Bank of Ecuador. A quantitative analysis with inferential statistical tools was carried out, based on clients from 8 economic sectors from the commercial portfolio of the Bank of study. As a result, this risk was quantified as the increase in the days of cbkp_redit default presented in each economic sector evaluated.