Efectividad de las Normativas en la Estabilidad Financiera de Bancos en Ecuador
Effectiveness of Regulations in Financial Stability of Private Banks in Ecuador
DOI:
https://doi.org/10.56712/latam.v6i6.5101Palabras clave:
regulación financiera, estabilidad bancaria, percepción de usuariosResumen
La estabilidad del sistema bancario está estrechamente relacionada con la regulación. Esta investigación analiza la percepción de los usuarios sobre la efectividad de las normativas financieras en la estabilidad de los bancos privados en Ecuador. La metodología empleada es cuantitativa con un diseño no experimental de corte transversal. El instrumento de investigación es una encuesta estructurada que se aplicó a 100 usuarios de bancos privados de Ecuador a través de un muestreo no probabilístico por conveniencia. Para el análisis de los datos se empleó un análisis factorial exploratorio que permita identificar las dimensiones asociadas a la percepción de los usuarios sobre el marco regulatorio de la banca privada. El Alfa de Cronbach arrojó un valor de 0.87 con lo que se confirma la confiabilidad de la data para el análisis factorial. Los resultados muestran la existencia de dos componentes: i) Percepción de seguridad y transparencia; y, ii) Percepción de competitividad y calidad del servicio. Los autores concluyen que las normativas fortalecen la estabilidad del sistema. El estudio destaca la importancia de diseñar políticas regulatorias que promuevan la confianza del público en el sistema bancario.
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Derechos de autor 2025 Juan Carlos Ferreira
Esta obra está bajo una licencia internacional Creative Commons Atribución 4.0.
