Importancia del encaje bancario y patrimonio técnico en las instituciones financieras privadas del Ecuador.

Abstract

The banking reserve as well as the technical equity of private financial institutions are in charge of indicating the percentage of bank deposits and of sufficiency or equity deficiency, which must be immobilized and maintained by banks in liquid reserves that function as deposit guarantees. In our country, the Monetary and Financial Policy and Regulation Board, determine the percentages and the Central Bank of Ecuador, implements these parameters whose purpose is to maintain a liquidity reserve that serves as a guarantee for eventual needs such as meeting demand of its depositors and thus maintain their trust. The purpose of the work is to determine the importance of these criteria, identifying their main characteristics and their possible effects on the private national financial system. The methodology used in the investigative work corresponds to a descriptive and documentary type, thus making it possible to reach results in terms of the fit, which must be aimed at guaranteeing the return of money to savers or bank clients in the event that they request it; and equity, determine its sufficiency or deficiency, reducing the risk of loss of money from environmental accounts by private financial institutions