Análisis del score crediticio en la banca emprendedora del banco Pichincha oficina Chimbote, 2022
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Date
2023
Journal Title
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Volume Title
Publisher
Universidad Nacional de Trujillo
Abstract
El trabajo denominado “ANÁLISIS DEL SCORE CREDITICIO EN LA BANCA EMPRENDEDORA DEL BANCO PICHINCHA OFICINA CHIMBOTE 2022”, empezó con un análisis del contexto nacional e internacional del sistema financiero post covid, se describe a la entidad financiera Banco Pichincha en un contexto histórico y actual, se identificó los principales problemas en el ejercicio laboral con el fin de analizar el score crediticio en un caso práctico de admisión de créditos y comparó las metas mensuales asignadas a los analistas senior del mercado micro financiero en la ciudad de Chimbote. Se utilizó el método de caso para determinar los indicadores cuantitativos y cualitativos de la evaluación financiera, los cuales son viables; demostrando que el cliente tiene capacidad financiera y moral, pero la evaluación del banco es ácida al darle una calificación muy baja a la unidad familiar. También se demostró que las metas propuestas para los analistas senior del Banco Pichincha son muy altas en comparación a otras entidades financieras locales. Utilicé la retroalimentación como asesora para proponer alternativas de soluciones que ayuden a que el score crediticio sea menos ácido. También realicé una evaluación crítica a la formación profesional de la escuela de economía, con sugerencias para mejorar la malla curricular. El presente trabajo finalizó con las conclusiones y recomendaciones.
ABSTRACT This professional information I have been working hard to find the “ANALYSIS OF SCORE CREDITICE IN THE BANK PICHINCHA OFFICE CHIMBOTE 2022”. Recording my work experience, as a business assessor with financial banking. I will talk about the bank Pichincha in Chimbote city.The work began with an analysis of the national and international information of the post covid-19, the financial system, described to the financial information of the Banco Pichincha in the history and current information was , identified the most important problems in the work monthly and annually in order to analyze the credit score it’s a practice case of credit admission and compared the monthly goals assign to senior analysts of the micro financial market in Chimbote city. The case method was used to determine the quantitative and qualitative indicators of the financial assessment, which are able to show if the customers have the capacity financially for the evaluation of the bank. But the bank still shows the credit score is high risk to CRI rating. And also it was confirmed that the suggested requests for senior analysts of the Pichincha Bank is very high compared with other local financial institutions. I used feedback as an advisor to propose better options and solutions to help and make the credit score better options, understanding and easier to the customers. Also this evaluation was used as a critical complaint of the training in the school of economy, with better suggestions for improving the curriculum on the students program. This work has been completed with the better conclusions and recommendations for the future customers about his credit score and financial propuse.
ABSTRACT This professional information I have been working hard to find the “ANALYSIS OF SCORE CREDITICE IN THE BANK PICHINCHA OFFICE CHIMBOTE 2022”. Recording my work experience, as a business assessor with financial banking. I will talk about the bank Pichincha in Chimbote city.The work began with an analysis of the national and international information of the post covid-19, the financial system, described to the financial information of the Banco Pichincha in the history and current information was , identified the most important problems in the work monthly and annually in order to analyze the credit score it’s a practice case of credit admission and compared the monthly goals assign to senior analysts of the micro financial market in Chimbote city. The case method was used to determine the quantitative and qualitative indicators of the financial assessment, which are able to show if the customers have the capacity financially for the evaluation of the bank. But the bank still shows the credit score is high risk to CRI rating. And also it was confirmed that the suggested requests for senior analysts of the Pichincha Bank is very high compared with other local financial institutions. I used feedback as an advisor to propose better options and solutions to help and make the credit score better options, understanding and easier to the customers. Also this evaluation was used as a critical complaint of the training in the school of economy, with better suggestions for improving the curriculum on the students program. This work has been completed with the better conclusions and recommendations for the future customers about his credit score and financial propuse.
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Keywords
Score crediticio, Banca emprendedora, Riesgo crediticio