Propuesta de un modelo de desembolso de cartera automotriz en las instituciones originadoras de crédito en la ciudad de Quito

Abstract

The originating institutions of automotive credit are companies that grant loans to natural or legal persons that need to satisfy the need to acquire a vehicle; regardless of the type or class of the car. To start, there are two types of customers: Dealer and End Client. "Dealer", is the legal entity that is responsible for selling new or medium-use vehicles in your showcase, of a local automotive demand. In some cases they also carry out complementary activities such as giving credit and vehicle maintenance service. "Final Client" is the automotive demand, made up of natural or legal persons that need to buy a car through a cash payment or automotive credit. The aforementioned clients prefer to work with other institutions that originate automotive credit, depending on the procedure that each IOCA takes regarding the response time of the loan disbursement; therefore, it is necessary to recognize that an automotive credit analysis is carried out to verify the ability to pay. Due to the above, it is detected that the automotive disbursement department does not meet the response times expected by the “Concessionaire Client” demand, because it does not have the complete physical documentary information to be able to execute the process. In this way, there is a decrease in the placement of automotive credit in the city of Quito, as a result of the disbursement response time; For this reason it was investigated what documents are needed for the legalization of the vehicle and approval of the automobile credit, and thus look for the model of the disbursement process through internal control.