El sistema de cámara de compensación de cheques y su incidencia en el sistema financiero ecuatoriano.

Abstract

In this research work an analysis of the system of clearing house of checks and its impact on the financial system is carried out, where background information of the subject is detailed based on the information obtained from scientific articles and the resolutions issued by the Central Bank of Ecuador, as well as the process of the check compensation system that results in its liquidation or the return of check, which is developed through the financial system which is responsible for streamlining and optimizing the check cashing system , and the Central Bank of Ecuador acting as an intermediary, the latter institution is responsible for the surveillance and control of the system, it is also argued with a didactic exercise to have a clearer approach to the accounts that participate in the accounting record, it should be noted that This work refers to the financial system being a main element in this research. In addition to being a group of financial institutions regulated by the Superintendence of Banks and the Superintendence of Popular and Solidarity Economy, it is the place where this process takes place, and ultimately we conclude that the system of clearing house of checks, is a mechanism used by the entities of the financial system to facilitate faster the realization of checks and obtain fluidity in the banks within a 24-hour period, and thus be able to fulfill their obligations.