Efecto de la resolución No. 542-2019-S libro III, en el sistema de seguros privados, referente al riesgo de cartera vencida, ubicados en el sector Norte del DMQ en el año 2020

Abstract

The Superintendency of Companies, Securities and Insurance indicates that the only insurance companies authorized to issue policies and take risks are 30 insurance companies, this paper analyzes 20 companies that are in the DMQ. The development was carried out under the transversal scientific method, direct deductive and the same research survey that determined the risks of overdue portfolio, increased in the global crisis of the year 2020 grows the level of delinquency in the insured contemplating that to determine that the debtor is in arrears the obligation must be pending at least 3 years. The insurance sector maintains an extremely important role in the development and growth of the economy of each country allowing the proper functioning of businesses helping in the reduction of risk and non-payment that can generate creating a strong uncertainty in its economy. It is important to know that the income of insurance companies is approximately in a 90% on average for the commissions obtained for managing insurance policies. It is important to verify that collection processes and policies have been defined to assess the impact of overdue portfolio provisions. Once it has been determined what type of risk of non-payment the insured is, we proceed to take collection methods.