Análisis de los factores determinantes de la asignación de riesgo financiero y crediticio de la pequeña banca privada del Ecuador

The purpose of the classification of credit clients in a financial institution can become a problem of profit maximization or loss minimization. However, to solve the problem, in addition to the experience of the credit specialist, it is necessary to have tools that facilitate an approximation to the real conditions of the client when granting a loan. The Credit Scoring or Scoring Models are one of the most used tools today.