Propuesta para mitigar el riesgo de crédito de la empresa LITECAR S.A.S
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Date
2023-12
Authors
Pulido Gil, Olga Yoana
Advisors
López Rodríguez, Campo Elías
Editors
Journal Title
Journal ISSN
Volume Title
Publisher
Corporación Universitaria Minuto de Dios
Type
Thesis
Rights
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Abstract
La identificación y gestión de riesgos es esencial para las organizaciones, especialmente en el ámbito del riesgo de crédito, es por ello que esta investigación se enfoca en desarrollar una propuesta con la que se busca mitigar el riesgo de crédito de la empresa Líneas Técnicas de Cargamentos S.A.S., empresa del sector transporte. Mediante el método de análisis documental y estudio de caso se busca identificar las falencias, hallazgos negativos y positivos para mejorar la gestión financiera mediante la implementación de políticas de crédito eficientes respaldadas por un análisis documental de enfoque cualitativo. La propuesta se basa en la definición clara de políticas de crédito, destacando elementos como historial crediticio, relaciones comerciales y garantías sólidas, que permitan la caracterización de la cartera de los clientes y tomar decisiones acertadas. Se enfatiza la importancia de la revisión continua de estas políticas, adaptándolas a las dinámicas del entorno financiero y evolución del sector para fortalecer constantemente el proceso de otorgamiento de créditos.
The identification and management of risks is essential for organizations, especially in the field of credit risk, which is why this research focuses on developing a proposal that seeks to mitigate the credit risk of the company Líneas Técnicas de Cargamentos S.A.S., a company in the transportation sector. Through the documentary analysis and case study method, we seek to identify the shortcomings, negative and positive findings to improve financial management through the implementation of efficient credit policies supported by a documentary analysis with a qualitative approach. The proposal is based on the clear definition of credit policies, highlighting elements such as credit history, commercial relationships and solid guarantees, which allow the characterization of the clients' portfolio and make the right decisions. Emphasis is placed on the importance of continually reviewing these policies, adapting them to the dynamics of the financial environment and the evolution of the sector in order to constantly strengthen the credit granting process.
The identification and management of risks is essential for organizations, especially in the field of credit risk, which is why this research focuses on developing a proposal that seeks to mitigate the credit risk of the company Líneas Técnicas de Cargamentos S.A.S., a company in the transportation sector. Through the documentary analysis and case study method, we seek to identify the shortcomings, negative and positive findings to improve financial management through the implementation of efficient credit policies supported by a documentary analysis with a qualitative approach. The proposal is based on the clear definition of credit policies, highlighting elements such as credit history, commercial relationships and solid guarantees, which allow the characterization of the clients' portfolio and make the right decisions. Emphasis is placed on the importance of continually reviewing these policies, adapting them to the dynamics of the financial environment and the evolution of the sector in order to constantly strengthen the credit granting process.
Description
Desarrollar una propuesta con la que se busca mitigar el riesgo de crédito de la empresa LITECAR S.A.S.
Keywords
Gerencia Financiera, Riesgo de Crédito, Riesgo Financiero, Estructura de Proceso, Financial Management, Credit Risk, Financial Risk