Riesgos del proceso de colocación de créditos en Dinorte S.A
Cargando...
Fecha
2022
Autores
Bayona Rosas, Jessica
Título de la revista
ISSN de la revista
Título del volumen
Editor
Ediciones Universidad Simón Bolívar
Facultad de Administración y Negocios
Facultad de Administración y Negocios
Resumen
La Gestión del Riesgo al interior de las organizaciones juega un papel importante en el desarrollo de todas las actividades propias de su objeto social, encontrando distintas maneras de gestionar los riesgos no sin antes tener un diagnóstico claro, esto permitirá evaluarlos y a su vez darles alternativas de solución mitigando su incidencia; El presente ensayo tiene como objetivo
identificar los riesgos del proceso de colocación de créditos a través de una matriz de riesgos con el fin de minimizar la exposición financiera en DINORTE S.A. y responder de cierta manera a una problemática existente. Mediante una investigación de tipo cuantitativo se aplicaron unos instrumentos a través de una encuesta, por medio de los cuales se identificaron los riesgos y su
nivel de incidencia dentro del proceso de colocación de crédito, evidenciando la importancia de dicha matriz a la hora de generar estrategias de acción específicas que intervengan de manera correcta, y que lleven a la disminución del apetito de riesgo en la organización, mitigando directamente el nivel de riesgo al cual está expuesta la empresa generando la menor perdida posible en el área financiera.
Risk Management within organizations plays an important role in the development of all the activities of its corporate purpose, finding different ways to manage risks, not without first having a clear diagnosis, this will allow them to be evaluated and in turn give them alternatives for solution mitigating its incidence; The objective of this essay is to identify the risks of the credit placement process through a risk matrix in order to minimize the financial exposure in DINORTE S.A. and respond in a certain way to an existing problem. Through a quantitative investigation, some instruments were applied through a survey, by means of which the risks and their level of incidence within the credit placement process were identified, evidencing the importance of said matrix when generating strategies. of specific actions that intervene correctly, and that lead to a decrease in risk appetite in the organization, directly mitigating the level of risk to which the company is exposed, generating the least possible loss in the financial area.
Risk Management within organizations plays an important role in the development of all the activities of its corporate purpose, finding different ways to manage risks, not without first having a clear diagnosis, this will allow them to be evaluated and in turn give them alternatives for solution mitigating its incidence; The objective of this essay is to identify the risks of the credit placement process through a risk matrix in order to minimize the financial exposure in DINORTE S.A. and respond in a certain way to an existing problem. Through a quantitative investigation, some instruments were applied through a survey, by means of which the risks and their level of incidence within the credit placement process were identified, evidencing the importance of said matrix when generating strategies. of specific actions that intervene correctly, and that lead to a decrease in risk appetite in the organization, directly mitigating the level of risk to which the company is exposed, generating the least possible loss in the financial area.
Descripción
Palabras clave
Crédito, Riesgo Crediticio, Gestión del Riesgo, Financiación, Credit, Credit Risk, Risk Management, Financing
