Proceso del encaje bancario en el sistema financiero del Ecuador.

Abstract

The banking reserve is responsible for indicating the percentage of bank deposits that must be immobilized and maintained by banks in liquid reserves that function as deposit guarantees. In Ecuador, the Central Bank is responsible for determining these percentages whose purpose is to maintain a reserve of liquidity that serves as a guarantee for eventual needs such as meeting the demand of its depositors and thus maintain their confidence. The general objective of this paper is: Determine the process of calculation of the banking reserve, identifying its main characteristics and its possible effects on the national financial system. The methodology used in the development corresponds to a descriptive and documentary type where the characteristics of the banking system and the calculation process will be presented as stipulated by the regulatory entity. The results obtained in the investigation show that the reserve is intended to guarantee the return of the money to the savers or clients of the bank in case they request it, reducing the risk of the loss of the money of the savers by the bank.