Morosidad y sus determinantes en el sistema bancario privado del Ecuador durante el periodo 2005 - 2016

Abstract

The present academic article illustrates the analysis of the principal macroeconomics and microeconomics determinants of credit default rates, present in the credit portfolio of the most representative banks of the Ecuadorian private banking system, over the first trimester of 2015 to the last trimester of 2016. Following a modeling technique of dynamic panel data, methodology selected to incorporate: the dynamic character of the credit default, covers as many as possible numbers of private banks institutions and the treatment of endogeneity problems. The results present a lower microeconomic determinants influence in the credit default rate, in comparison to macroeconomic determinants, which are mostly linked to income level or economic cash flow of the economics agents and the Ecuadorian economic growth.