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Fundamentación Teórica Sobre El Proceso Del Crédito Bancario A Usufructuarios De Tierras En Bandec Las Tunas

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  • Juan Carlos Mayo
  • Noemi Ortiz Fonseca
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    Abstract

    El proceso de financiamiento mediante el crédito bancario a usufructuarios de tierras ociosas es esencial, teniendo en cuenta las necesidades de producir alimentos y sustituir importaciones que presenta el país, mediante la óptima utilización de los recursos financieros , logrando que estos se reviertan en el aumento de las producciones y a su vez sean devueltos al Banco. En el banco de Crédito y Comercio se evidenció que existían insuficiencias en el proceso de financiamiento para este segmento, demostrándose que a pesar de que la Instrucción 39/2006 del Banco Central de Cuba regula el Manual de Instrucciones y Procedimientos (MIP) establecido para el proceso del crédito en sus diferentes etapas, no son suficientes las acciones para lograr una debida recuperación del crédito, no existiendo una adecuación a las características especiales de los usufructuarios de tierras ociosas (personas naturales).

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    File URL: http://www.eumed.net/cursecon/ecolat/cu/2011/mof.htm
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    Bibliographic Info

    Article provided by Grupo Eumed.net (Universidad de Málaga) in its journal Observatorio de la Economía Latinoamericana.

    Volume (Year): (2011)
    Issue (Month): 143 (January)
    Pages:

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    Handle: RePEc:erv:observ:y:2010:i:143:5

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    Web page: http://www.eumed.net/cursecon/ecolat/

    Related research

    Keywords: Comité de crédito; crédito bancario; cartera vencida; índice de morosidad; Bandec; Las Tunas;

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