Propuesta para mitigar el riesgo crediticio postpandemia para el sector financiero: estudio de caso Banco de Bogotá
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Date
2024-12-13
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Corporación Universitaria Minuto de Dios - UNIMINUTO
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Thesis
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Acceso Abierto - http://purl.org/coar/access_right/c_abf2
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Abstract
La adecuada gestión del riesgo crediticio es fundamental para la estabilidad del sector financiero, especialmente en un escenario de desaceleración económica generada por la pandemia de COVID-19 y afectada actualmente por una constante inflación; por ello, el objetivo de esta investigación es proponer estrategias para mitigar el riesgo crediticio en el sector financiero a través de un estudio de caso en el Banco de Bogotá. Se utilizó una metodología mixta, combinando un enfoque cualitativo y cuantitativo basado en un estudio de caso y revisión documental, incluyendo informes de la Superintendencia Financiera y reportes de Trans-unión Los hallazgos destacan sectores vulnerables como consumo y microcrédito, además de un resultado importante de la cartera sin constitución de garantías idóneas. Se proponen estrategias que incluyen el fortalecimiento de políticas, de acuerdo con los sectores y líneas más afectadas, que sean efectivas en respaldar y proteger los de esta cartera, cómo el uso de inteligencia artificial y tecnologías emergentes para automatizar procesos de cobro con alertas tempranas, la recalibración de modelos estadísticos para optimizar la calificación de clientes, entre otros. Estas medidas buscan fortalecer la sostenibilidad financiera de la entidad y del sector en su conjunto.
Proper management of credit risk is crucial for the stability of the financial sector, especially in a scenario of economic slowdown caused by the COVID-19 pandemic and currently affected by persistent inflation. Therefore, the aim of this research is to propose strategies to mitigate credit risk in the financial sector through a case study at Banco de Bogotá. A mixed methodology was used, combining both qualitative and quantitative approaches based on a case study and documentary review, including reports from Superintendencia Financiera and TransUnion. The findings highlight vulnerable sectors such as consumer lending and microcredit, as well as an important result regarding the portfolio without adequate collateral. Strategies are proposed, including strengthening policies according to the most affected sectors and lines, which would be effective in supporting and protecting these portfolios, such as the use of artificial intelligence and emerging technologies to automate collection processes with early alerts, recalibration of statistical models to optimize customer ratings, among others. These measures aim to strengthen the financial sustainability of the institution and the sector as a whole.
Proper management of credit risk is crucial for the stability of the financial sector, especially in a scenario of economic slowdown caused by the COVID-19 pandemic and currently affected by persistent inflation. Therefore, the aim of this research is to propose strategies to mitigate credit risk in the financial sector through a case study at Banco de Bogotá. A mixed methodology was used, combining both qualitative and quantitative approaches based on a case study and documentary review, including reports from Superintendencia Financiera and TransUnion. The findings highlight vulnerable sectors such as consumer lending and microcredit, as well as an important result regarding the portfolio without adequate collateral. Strategies are proposed, including strengthening policies according to the most affected sectors and lines, which would be effective in supporting and protecting these portfolios, such as the use of artificial intelligence and emerging technologies to automate collection processes with early alerts, recalibration of statistical models to optimize customer ratings, among others. These measures aim to strengthen the financial sustainability of the institution and the sector as a whole.
Description
Realizar una propuesta para mitigar el riesgo crediticio postpandemia para el sector financiero: a través de un estudio de caso.
Keywords
Credit risk, Financial risk, Credit portfolio, Loan los provision, Financial sector, Riesgo crediticio, Riesgo financiero, Cartera de créditos, Provisión de cartera, Sector financiero