El financiamiento monetario del sistema financiero y su impacto en el sector comercial. caso Ecuador 2020 - 2021.

Abstract

The period 2020 - 2021 were years affected by the global Covid-19 pandemic, which in addition to affecting the health system, destabilized the national economy of several states, showing falls in their financial indicators, caused by the taking of corrective measures focused on the reduction of cases, which paralyzed the business sector for a period of time, affecting its liquidity and income, generating the need for financing to stay in the market. This research seeks to establish the impact on monetary financing suffered by the business sector in Ecuador due to the incidence of the global pandemic, through the analysis of economic indicators. The research was carried out under a qualitative approach, developing a documentary - descriptive review, taking as reference financial indicators (GDP, Gross Portfolio, Overdue Portfolio). The analysis of the case showed that financial services within the 2020 pandemic period presented a stagnation due to the low effective recovery in the portfolio, presenting a decrease in the amount of credits provided to the business sectors, representing only 22% of applicants as admissible. on the loan. For the year 2021, as a result of new sanitary measures, banking would show an improvement given the commercial mobilization, showing economic growth and with it the increase in the credit portfolio.