Dificultades financieras que obstaculizan el desarrollo en los bancos privados de Ecuador, años 2015 2020

Abstract

Abstract: The objective of this paper is to analyze the financial difficulties that affect the development of Ecuadorian private banks, using qualitative research of non-experimental character, which allowed a data collection through a structured interview directed to managers and administrators of private banks, The main result was the issue of cooperativism present in the marketplaces and the low regulation for this sector that triggers imperfect competition. Also, a survey was conducted with clients of private banks, giving as the main result the lack of improvements in the financial services they offer, such as response time and the lack of greater flexibility for access to financing; Finally, the paper presents a contrast on the perspective of the client and the banks' management on the situation they faced at the time of the confinement.