Aplicación del código orgánico monetario y financiero: seguro de depósitos, fondo de liquidez, y el fondo de seguros privados.

Abstract

The research develops an analysis of the regulations issued in the Monetary and Financial Organic Code in Ecuador and that before their approval, the deposits of individuals and companies were not covered when they closed the banks, cooperatives, brokerage houses, but with the publication of this new regulation since January 2016 the "Private Insurance Fund" is covering users of financial institutions in the event of bankruptcy, closure or liquidation. The Deposit Insurance Corporation, Liquidity Fund, and Private Insurance Fund (COSEDE) and also the Central Bank of Ecuador (ECB), both administrators of this fund, signed the Trust Fund of the Private Insurance Fund as of its creation. the objective of paying clients of financial institutions when they come into liquidation. Ecuador has a Liquidity Fund, Deposit Insurance Fund that is managed by the Deposit Insurance Corporation (COSEDE), which is increasing over the years, these funds will be analyzed in a descriptive manner which will allow Investors obtain knowledge for future investments in Ecuador.