Elaboración de un sistema para diferenciación de tasas de interés ajustadas al nivel de riesgo.

Abstract

The purpose of this project is the development and implementation of a system that allows adjusting the interest rates of consumer loans in Ecuador. The goal is to increase accessibility to loans for customers of financial institutions and the possibility of optimizing the individual risk inherent to each customer. The project focuses on the construction of an interest rate differentiation model. For the implementation of this model, the credit risk management methodologies used by internationally renowned banking institutions such as BBVA in Spain are taken as a reference. The chosen development platform is C#, a widely adopted programming language in the financial sector, and MSSQL, a highly popular database management tool globally. Additionally, interoperability with Python, a celebrated programming language for data analysis and manipulation, is implemented. The result is a sophisticated model for adjusting interest rates that varies based on the level of risk. It is expected that the implementation of this model will have a considerable impact on financial decision-making and provide a deeper understanding of borrower behavior. It is anticipated that this model will serve as a prototype in financial institutions, allowing for the optimization of risk management in the rate allocation processes for several types of loans. With the interest rate differentiation model, the aim is to generate additional and significant value in the country's financial sector.