Propuesta de metodología para medición del riesgo de productos y servicios financieros de Bancos

Abstract

This article presents a proposed methodology to evaluate the financial products of Ecuadorian banks, using the multicriteria Analytic Hierarchy Process (AHP) technique, since institutions currently require a methodology to evaluate the level of risk associated with each product offered to the market in order to reduce the uncertainty of clients and the bank. The methodology proposed the hierarchy of 5 criteria together with their respective risk indicators for the evaluation of financial products within the market, finding that working and fixed asset loans for companies, corporations and SMEs have a lower level of risk than loans for microenterprises, due to larger amounts and payment capacity in shorter terms, reducing product risk due to payment default. In conclusion, the methodology designed allows a hierarchical and objective classification of financial products according to their risk level. Keywords: Risk Levels, Banking Products, Analytic Hierarchy Process.