Evolución del sistema financiero privado en términos de solvencia y patrimonio técnico en el contexto del covid 19.

Abstract

The financial system is the set of components that regulate, allow and integrate the different means to maintain liquidity, purchasing power and circulating capital for both individuals and society; always been in constant change according to global trends. The general objective is to analyze the evolution of the Ecuadorian private financial system in the context of COVID 19 through bibliographic research to describe the changes in terms of technical equity and solvency. A descriptive methodology is applied based on the global environment, effects, social reality and implications as a result of the pandemic to settle criteria on its impact at the socioeconomic level, in relation to the response of banks and financial institutions in the national context; in the results it is found that on a scale the world banks distributed capital to micro-enterprises, encouraged the financing of projects, lowered interest rates, relieved debts to the population and implemented programs to alleviate the social burden in the countries, instead in Ecuador had the opposite effect, debts were not forgiven or interest was lowered, only a longer-term renegotiation was made and new credit barriers were placed; Due to the loss of solvency in the sector, private banking entities protected their assets, did not forgive debt or injected liquidity into the market; Instead, they reduced their portfolio to solidify their operations and increased their capital margin to increase their long-term solvency.