Las reservas técnicas y los resultados de las empresas de seguros del Ecuador

The objective of this project is to determine the influence of the Technical Reserves on the Results of the Insurance Companies of Ecuador; through the detailed analysis of the financial information reported by the actors in this sector and taking into consideration that it is of great importance that the provisions are constituted efficiently and sufficiently to guarantee compliance with the obligations contracted with the users of the system. ensure the financial solvency of the entities that make up this economic group. On the other hand, despite the economic contraction experienced in recent years, this research shows the management carried out by the entities that make up this group to be more efficient in their operations; The items in which each organization focused to face the economic panorama and thus generate positive figures are observed and analyzed. In addition, considering the economic activity of this sector, the constitution and release of technical reserves and the effect of reinsurance and co-insurance as an opportunity to generate profits are analyzed; this sector has been strengthened and developed efficiently, during this process regulatory reforms have contributed to this expansion by updating legislation, promoting the opening of markets, gradually incorporating capital requirements based on risk, and facilitating the creation and distribution of products that reach wider layers of the population; therefore, the influence of the regulatory requirements was determined, specifically regarding technical reserves in the reduction of the total of the actors that make up this market. In the current scenario, technical reserves play a very important role in the results of the sector, and companies must seek methods to ensure that they are assigned in an appropriate manner, so that they become an opportunity to contribute to global economic development.