Determinación de los factores de la oferta de crédito de los Bancos Privados Ecuatorianos durante el período 2008-2014

Abstract

This master's thesis aims to determine the factors that influence the credit supply of Ecuadorian private banks through the application of an econometric model based on the credit channel of monetary policy transmission. Based on the background of the instruments of monetary policy, raising the cause research problem, identifying the general and specific objectives, it has developed theoretical basis of the transmission mechanisms of monetary policy credit channel. Subsequently, the methodology used in the research is described, defining the econometric technique data panel, describing the collection of information from January 2008 to December 2014 balance sheet and financial indicators of private banks, inflation rate, lending rate referential, lace cash rate and real gross domestic product. Chapter IV has developed the research results which includes an analysis of monetary policy instruments, development of the economic activity of the country, statistical analysis of accounting statements and financial indicators of private banks and the results of the panel model dynamic algorithm using Arellano and Bond. Finally in Chapter V conclusions and recommendations.