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Desarrollo de una metodología propia de análisis de crédito empresarial en una entidad financiera

Author

Listed:
  • Julián Benavides
  • Liliana Hernandez
  • Luis Angel Meneses

Abstract

El artículo estudia los factores relevantes para el establecimiento de una metodología para el análisis de crédito empresarial. En primer lugar se estudian los estados financieros del sujeto de crédito, reclasificándolos para uniformizarlos. Los estados financieros se diagnostican para evaluar la calidad del cliente. Adicionalmente se exponen dos metodologías para evaluación del riesgo: el modelo de scoring y el modelo interno de ponderaciones predeterminadas.

Suggested Citation

  • Julián Benavides & Liliana Hernandez & Luis Angel Meneses, 2005. "Desarrollo de una metodología propia de análisis de crédito empresarial en una entidad financiera," Estudios Gerenciales, Universidad Icesi, September.
    • Handle: RePEc:col:000129:002278
    as

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    File URL: http://dspace.icesi.edu.co/dspace/bitstream/item/800/1/Desarrollo_metodologia_propia_analisis_credito_entidad_financiera.pdf
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    Citations

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    Cited by:

    1. Rodríguez-García, Jair Hissarly & Venegas-Martínez, Francisco, 2021. "Reducción de la brecha del crédito en México en un ambiente de incertidumbre generada por la pandemia COVID-19: Un enfoque de ciencia de datos (machine learning) [Reducing the credit gap in Mexico ," MPRA Paper 105133, University Library of Munich, Germany.

    More about this item

    Keywords

    ESTADOS FINANCIEROS; RIESGO DE CREDITO; SCORING; MODELO DE PONDERACIONES;
    All these keywords.

    JEL classification:

    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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