La diversificación de ingresos y el riesgo de insolvencia en el sector bancario del Ecuador

Abstract:

The present project tries to estimate the diversification of the income, which support the banks in Ecuador so that, there decides the level of concentration of the different types of income. Furtheremore, one seeks to determine the index of insolvency of the banks that identify the situation in the one that is the sector. Afterwards, we try to verify the relationship between the diversification of income and the risk of insolvency with the objective of showing the degree of relationship between the variables. The analysis carried out is based on two sustainable financial methodologies; In order to identify the diversification of the income, it was applied in IHH, which measures the level of the concentration of the income as well as its participation, thus also applied the method of Altman Z-Score, indicator, which shows the solvency and financial strength, which It possesses the banking institutionality in the country. When merging these indicators, it is expected to know the range of relationship between the variables based on a correlation analysis, which identifies the incidence of one variable in another. Through the applied methodology, it is determined that there is a relationship between the two variables; that is to say, when the diversification of income increases the risk of insolvency it tends to decrease within the Banking Industry.

Año de publicación:

2019

Keywords:

• BANCA
• INGRESO
• Insolvencia
• RIESGO

Fuente:

rraae