El crédito en el sistema financiero peruano y su nivel de morosidad, durante el período 2013 – 2019

Abstract

Within the Peruvian state, the financial system is made up of 59 entities, whose objective is to direct the surplus cash of surplus agents towards entities of smaller size or resources, in this way promoting the free flow of monetary resources; In this way, the objective of this investigation is to determine the relationship between the volume of loans granted by the Peruvian Financial System and the levels of delinquency observed in the period between 2013 and 2019, for which the hypothesis was raised that the The volume of credits granted by the Peruvian Financial System shows a direct relationship with the level of delinquency between the years 2013 - 2019. This research, in methodological terms, is developed in a longitudinal - non-experimental approach, through the deductive, descriptive method, causal, applicative and correlational, after the knowledge established through economic sciences (Economic and Monetary Theory); It is concluded that the volume of credits of the Peruvian Financial System has a significant positive linear relationship with delinquency. As loans increase annually by 10%, delinquency also grows by an average of 14% during the period studied.