Análisis de la calificación de los clientes y su impacto en el otorgamiento de los créditos del Banco del Austro sucursal Tena provincia de Napo en el período enero a diciembre del 2014

Abstract

This research paper aims “analysis of customers` qualification and its impact on the granting of the credits the Bank of Austro. Tena Branch. Napo Province. Period January to December 2014. The conceptual and methodological framework was determined wich included the rating of the customers and granting of the credits. The current situation of the customer base was established. Strategies were proposed for efficient rating of the Bank`s customers. The analysis of customer qualification and its impact on the granting of credits in the period January to December 2014 shows that the fundamental purpose of responding to the problem detected is: “Inadequate analysis of customer qualification affects the delivery of credit for what it intends to apply the following strategies: The highest authority must know and comply with the Credit Manual, to make a reform to its structural and funtional flow chart, to make agreements of payment debt with customers and the assessments Guarantees must be perfomed before granting a credit, the same will be taken and they can occupy privileged places in the supply of goods or services sold.