Análisis de los tipos de créditos que puede acceder una pyme en el sistema bancario de Ecuador.

Abstract

It is essential that companies can have accessibility to obtain economic resources and thus place the required investment for each area of the company in the right time, according to the requirements that arise. That is why it becomes necessary for companies to have financing within the country and thus obtain resources in a timely manner, a source of financing is the banks, which give its users the option of complying with a series of requirements in order to obtain direct financing. and in an estimated time, it should be noted that there is a classification of credits, so the interest rates offered by banks have a variation. For this reason, the objective is to analyze the types of bank loans that an SME can access in Ecuador, with the help of a bibliographic review so that an SME can select the most suitable credit according to its requirements. The descriptive method is taken as support, since the types of credits are specified and with the deductive and inductive method, the determining factors will be observed at the time of requesting a credit, to later reach the conclusions, seeking the solution of the case raised, Information from scientific articles, books, official websites of financial entities in Ecuador is taken as reference. The results obtained derive in knowing the segments of bank credits that exist in Ecuador, the services that banks offer to customers to facilitate their transactions.