Análisis de la cartera de crédito productivo como mecanismo de crecimiento y desarrollo en el sector financiero privado del Ecuador, periodo 2015-2019

Abstract

Abstract: Productive credit is a fundamental pillar in Ecuador because it efficiently improves the country's economy and productive development.The focus of this paper is to analyze the productive credit portfolio as a mechanism for growth and development in the private financial sector of Ecuador, which is based on information presented by the Superintendency of Banks, ASOBANCA and the Central Bank of Ecuador, because they provide a national perspective of the structure of the financial system, issuing financial and statistical bulletins in which the impact of financial intermediation is measured.It is demonstrated through an econometric model the direct relationship between the volume of credit and the Gross Domestic Product, since they are important variables in the sustainable economic development of the country. It isalso possible to support how the productive credits improve in a positive way the growth of the economy, however, the study is developed in the period where the country assumed the recession due to the fall of oil and the earthquake that made the economicactivity to contract.