Análisis de los factores macroeconómicos e índice de morosidad del sistema financiero nacional (2017 - 2021)

Abstract

Abstract: The objective of the research was to analyze the macroeconomic factors and delinquency rate of the National Financial System in the period 2017-2021. The methodology was based on the quantitative, descriptive and exploratory approach, with the bibliographic review technique as statistics issued by the Superintendency of Banks, the Central Bank of Ecuador, Asobanca and the Superintendency of Popular and Solidarity Economy. With the data collected, descriptive statistics and Spearman's coefficient of consequences were performed. The results that were changed based on the delinquency rate in private banking was a negative consequence with the inflation rate, unemployment, active, passive rate and per capita GDP, resulting in that while one variable increases the other decreases. With respect to public banking, the opposite happened, the connection was positive with all the factors, resulting in all the factors having a direct influence on the increase in the delinquency rate. In the COACs, the unemployment rate and inflation have a positive connection, the rest of the variables a negative connection. Finally, the mutuals had a positive confirmation of inflation and GDP per capita, the rest were negative. The financial system is made up of institutions at the private and public level, the latter has a higher delinquency rate because the institutions have a political management and even clientele, which does not care about sustainability and the long term.