Perfeccionamiento de la gestión de los créditos personales en Instituciones Bancarias Cubanas
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2019-06-24
Autores
Oreilly, Pedro Roberto
Sosa Cabrera, Milvia
Chávez Hernández, José Armando
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La investigación se realizó en la sucursal 4262 del Banco Popular de Ahorro (BPA). Se estudió La Instrucción Transitoria No.345 del BPA, Créditos para la compra de Materiales de la Construcción y/o pago del servicio de la Mano de Obra por la demanda de este tipo de crédito ante el entorno donde la mayoría de las unidades económicas de gasto no cuentan con recursos financieros suficientes para el consumo de bienes o servicios. Como consecuencia se incrementa el número de personas asiduas al crédito, se concentra mayor información de ellas y se necesita procesar rápidamente para dar respuesta, lo más acertada posible al cliente necesitándose la introducción de nuevas técnicas que lo agilicen. El objetivo general es Perfeccionar la gestión de los créditos personales en el BPA. Para la realización del trabajo se requirió la consulta bibliográfica y el diagnóstico que fundamentó la propuesta. Como principal resultado se logró ofrecer al BPA una alternativa de emplear técnicas inteligentes (IA) (Técnica de Aprendizaje Automatizado (TAA), demostrando su provechosa utilización porque se lograron minimizar las principales deficiencias que presenta la gestión en el BPA y optimizar el tiempo establecido. Avalan el impacto científico ocho publicaciones, cinco premios en eventos científicos, provinciales y nacionales, cabe mencionar el premio relevante en el Fórum Provincial de Eficiencia Bancaria. Son cinco principales avales que respaldan la propuesta de la investigación otorgados por el BPA de Villa Clara.
The research was conducted at branch 4262 of Banco Popular de Ahorro (BPA). Transitory Instruction No. 345 of the BPA was studied, Credits for the purchase of Construction Materials and/or payment for the service of the Labor Force due to the demand for this type of credit in view of the economic environment where most of the economic units of expenditure do not have sufficient financial resources for the consumption of goods or services. As a consequence, the number of people assiduous to credit has increased, more information about them is collected and it is necessary to process them quickly in order to give a response that is as accurate as possible to the client, and the introduction of new techniques is needed to speed up the process. The general objective is to improve the management of personal credits in the BPA. In order to carry out this paper, it was necessary to consult the bibliography and the diagnosis on which the proposal was based. As a main result, BPA was offered an alternative of using intelligent techniques (AI) (Machine Learning), demonstrating its profitable use because it was possible to minimize the main deficiencies in the management of the BPA and optimize the established time. Eight publications endorse the scientific impact, five awards in scientific, provincial and national events, and it is worth mentioning the relevant award in the Provincial Forum on Banking Efficiency. There are five main guarantees that support the research proposal granted by the Villa Clara BPA.
The research was conducted at branch 4262 of Banco Popular de Ahorro (BPA). Transitory Instruction No. 345 of the BPA was studied, Credits for the purchase of Construction Materials and/or payment for the service of the Labor Force due to the demand for this type of credit in view of the economic environment where most of the economic units of expenditure do not have sufficient financial resources for the consumption of goods or services. As a consequence, the number of people assiduous to credit has increased, more information about them is collected and it is necessary to process them quickly in order to give a response that is as accurate as possible to the client, and the introduction of new techniques is needed to speed up the process. The general objective is to improve the management of personal credits in the BPA. In order to carry out this paper, it was necessary to consult the bibliography and the diagnosis on which the proposal was based. As a main result, BPA was offered an alternative of using intelligent techniques (AI) (Machine Learning), demonstrating its profitable use because it was possible to minimize the main deficiencies in the management of the BPA and optimize the established time. Eight publications endorse the scientific impact, five awards in scientific, provincial and national events, and it is worth mentioning the relevant award in the Provincial Forum on Banking Efficiency. There are five main guarantees that support the research proposal granted by the Villa Clara BPA.
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Materiales de la Construcción, Mano de Obra, Crédito Bancario