Análisis del riesgo de quiebra de instituciones financieras peruanas, 2015-2021
Bankruptcy risk analysis of peruvian financial institutions, 2015-2021 In Peru, the economic dynamics of Multiple Banking and Municipal Savings Banks is relevant; however, these have not been studied in terms of bankruptcy risk, an important indicator in financial management and credit rating. This...
| Main Authors: | , |
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| Format: | Article |
| Language: | English |
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Instituto Mexicano de Ejecutivos de Finanzas
2022-06-01
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| Series: | Revista Mexicana de Economía y Finanzas Nueva Época REMEF |
| Subjects: | |
| Online Access: | https://www.remef.org.mx/index.php/remef/article/view/735 |
| _version_ | 1797300541179559936 |
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| author | Ricardo Gabriel Rossi Ortiz Ricardo Manuel Rossi Valverde |
| author_facet | Ricardo Gabriel Rossi Ortiz Ricardo Manuel Rossi Valverde |
| author_sort | Ricardo Gabriel Rossi Ortiz |
| collection | DOAJ |
| description | Bankruptcy risk analysis of peruvian financial institutions, 2015-2021
In Peru, the economic dynamics of Multiple Banking and Municipal Savings Banks is relevant; however, these have not been studied in terms of bankruptcy risk, an important indicator in financial management and credit rating. This research aims to be a new contribution to the subject, since 26 active financial institutions were analyzed to assess the risk of bankruptcy. Using the multiple discriminant analysis of the Altman Z model complemented with the harmonic mean, the results show empirical evidence that only 20% of Multiple Banking institutions are in the safe zone and a worrying 13% are in the bankruptcy zone. In addition, the Municipal Savings Banks have a relatively better financial health as they are located 100% outside the bankruptcy zone. Studies are suggested in countries with similar economies. One limitation was to have worked with historical data. Among the conclusions to highlight it is found that Altman's Z model is effective in predicting the risk of bankruptcy of financial institutions. |
| first_indexed | 2024-03-07T23:08:39Z |
| format | Article |
| id | doaj.art-f70624800dd744b99c2e8ff867864bde |
| institution | Directory Open Access Journal |
| issn | 2448-6795 |
| language | English |
| last_indexed | 2024-03-07T23:08:39Z |
| publishDate | 2022-06-01 |
| publisher | Instituto Mexicano de Ejecutivos de Finanzas |
| record_format | Article |
| series | Revista Mexicana de Economía y Finanzas Nueva Época REMEF |
| spelling | doaj.art-f70624800dd744b99c2e8ff867864bde2024-02-21T18:38:18ZengInstituto Mexicano de Ejecutivos de FinanzasRevista Mexicana de Economía y Finanzas Nueva Época REMEF2448-67952022-06-01173e735e73510.21919/remef.v17i3.735482Análisis del riesgo de quiebra de instituciones financieras peruanas, 2015-2021Ricardo Gabriel Rossi Ortiz0Ricardo Manuel Rossi Valverde1UNIVERSIDAD PRIVADA ANTENOR ORREGOUNIVERSIDAD PRIVADA DEL NORTEBankruptcy risk analysis of peruvian financial institutions, 2015-2021 In Peru, the economic dynamics of Multiple Banking and Municipal Savings Banks is relevant; however, these have not been studied in terms of bankruptcy risk, an important indicator in financial management and credit rating. This research aims to be a new contribution to the subject, since 26 active financial institutions were analyzed to assess the risk of bankruptcy. Using the multiple discriminant analysis of the Altman Z model complemented with the harmonic mean, the results show empirical evidence that only 20% of Multiple Banking institutions are in the safe zone and a worrying 13% are in the bankruptcy zone. In addition, the Municipal Savings Banks have a relatively better financial health as they are located 100% outside the bankruptcy zone. Studies are suggested in countries with similar economies. One limitation was to have worked with historical data. Among the conclusions to highlight it is found that Altman's Z model is effective in predicting the risk of bankruptcy of financial institutions.https://www.remef.org.mx/index.php/remef/article/view/735banca múltiple, caja municipal de ahorro y crédito, balance general, estado de ganancias y pérdidas, riesgo de quiebra |
| spellingShingle | Ricardo Gabriel Rossi Ortiz Ricardo Manuel Rossi Valverde Análisis del riesgo de quiebra de instituciones financieras peruanas, 2015-2021 Revista Mexicana de Economía y Finanzas Nueva Época REMEF banca múltiple, caja municipal de ahorro y crédito, balance general, estado de ganancias y pérdidas, riesgo de quiebra |
| title | Análisis del riesgo de quiebra de instituciones financieras peruanas, 2015-2021 |
| title_full | Análisis del riesgo de quiebra de instituciones financieras peruanas, 2015-2021 |
| title_fullStr | Análisis del riesgo de quiebra de instituciones financieras peruanas, 2015-2021 |
| title_full_unstemmed | Análisis del riesgo de quiebra de instituciones financieras peruanas, 2015-2021 |
| title_short | Análisis del riesgo de quiebra de instituciones financieras peruanas, 2015-2021 |
| title_sort | analisis del riesgo de quiebra de instituciones financieras peruanas 2015 2021 |
| topic | banca múltiple, caja municipal de ahorro y crédito, balance general, estado de ganancias y pérdidas, riesgo de quiebra |
| url | https://www.remef.org.mx/index.php/remef/article/view/735 |
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