El riesgo en las instituciones financieras y su efecto en las decisiones de los inversionistas.

Abstract

The present investigation was directed to the elaboration of a practical case of risk rating in which the collection of information from different authors on the different risk topics, risk rating, CAMEL methodology that is used in the financial sector was used, the financial indicators, the decisions of the investors, among others, also extracted information from the regulations that regulate the financial system. The information on the balance sheet of Banco de Machala SA of December 31, 2018 was the starting point to analyze the financial indicators with which the weaknesses and strengths of the entity were detected, with the use of guides for the evaluation of the indicators that were used for the correct measurement and to determine the different types of financial threats that are present in the national market. It is a high priority for financial sector institutions to carry out risk assessments since they allow them to be informed of financial reality, this also helps to have a good prestige at the national level, although it is true that investors take into account the qualifications they receive the financial entities that are used to make decisions about whether it is beneficial to invest or it is very risky to do so.