Estudio de la influencia que tiene la creación de la corporación del seguro de depósitos, fondo de liquidez y fondo de seguros privados(COSEDE) en los niveles de confianza de los depositantes con respecto al ahorro en instituciones financieras.

Abstract

This research analyzes how the Ecuadorian financial system has gone through unfavorable situations, a clear example is the 1999 crisis that has made people lose confidence and decide to keep their savings under their protection outside of a formal financial institution since they fear that their savings or money deposited are not returned to them in the event that a financial institution goes bankrupt. Precisely based on the foregoing is that the Ecuadorian state sought to mitigate this problem by creating the Deposit Insurance Corporation, Liquidity Fund and Private Insurance Fund (COSEDE) with the main purpose of increasing the confidence index of people increasing the deposits in the formal financial institutions of the country, for this reason the thesis aims to show whether the work of COSEDE increased the levels of trust of the depositors in the savings programs of the financial system, and what changes can be suggested to increase the security of the System Ecuadorian Finance.