La matriz de probabilidad de transición y el control del riesgo crediticio en la Cooperativa de Ahorro y Crédito 9 DE OCTUBRE Ltda., de la ciudad de Salcedo.

Abstract

Lending activity in Ecuador has evolved over the years is why we have increased the existence of financial institutions with in them are the credit unions, which are being under the control of the Superintendence of popular economy and solidarity, these entities are considered important within the country's economy as one of the main objectives is to promote local development, granting preferential credits in those places where traditional banking does not exist. Due to the risky nature of lending, credit risk is considered one of the main problems posed by financial institutions, which is why it is considered essential to maintain a constant check on the credit risk, in order to detect time possible future problems with the recovery of these loans, currently financial institutions identify the credit risk of its operations, through assigning ratings to their customers, enabling it to have a better control of their customers. As previously mentioned in this research has considered the credit risk analysis of the credit union "October 9" Cia. Ltda., Through the application of same transition matrix for observing the behavior of the loan portfolio of the cooperative and its possible future behavior, the institution being able to take timely corrective actions.