{"id":15219,"date":"2022-06-29T12:18:04","date_gmt":"2022-06-29T17:18:04","guid":{"rendered":"https:\/\/www.superbancos.gob.ec\/bancos\/?p=15219"},"modified":"2022-08-06T00:43:52","modified_gmt":"2022-08-06T05:43:52","slug":"credito-de-los-bancos","status":"publish","type":"post","link":"https:\/\/www.superbancos.gob.ec\/bancos\/credito-de-los-bancos\/","title":{"rendered":"CR\u00c9DITO DE LOS BANCOS"},"content":{"rendered":"<p>Cr\u00e9dito es un\u00a0<strong>pr\u00e9stamo de dinero\u00a0<\/strong>que una parte concede a otra, generando una obligaci\u00f3n de pago de quien recibi\u00f3 el pr\u00e9stamo<strong>,<\/strong> gradualmente, o en un solo pago y con un <strong>inter\u00e9s adicional,<\/strong> debido al tiempo que us\u00f3 el dinero.<\/p>\n<p>Cuando se accede a un cr\u00e9dito es importante <strong>honrar la deuda,<\/strong> ya que el dinero que prestan los bancos, es en su gran mayor\u00eda de los depositantes.<\/p>\n<p>El tipo de cr\u00e9dito depender\u00e1 de lo que se realice con \u00e9l, por ejemplo:<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-15223\" src=\"https:\/\/w-group.tech\/sb\/wp-content\/uploads\/2022\/06\/grafico2-nota-credio-de-los-bancos.png\" alt=\"\" width=\"450\" height=\"395\" \/>El <strong>Cr\u00e9dito de la Banca<\/strong> se ha incrementado en <strong>USD 7.687 millones <\/strong>de mayo 2019 a mayo 2022<strong>,<\/strong> creciendo en (27%), constituyendo un saldo total a mayo 2022 de USD 35.859 millones.<\/p>\n<p>Al 30 mayo de 2022<strong>,<\/strong> el saldo de la <strong>cartera bruta<\/strong> entregado por la banca privada lleg\u00f3 a <strong>USD 35.859 millones<\/strong>; de este total <strong>USD 16.953 millones<\/strong> financiaron cre\u0301dito a la produccio\u0301n, representanto el<strong> 47%<\/strong> del total prestado, lo que da cuenta del aporte del sector bancario al desarrollo de la matriz productiva, plazas de trabajo y bienestar de familias ecuatorianas.<\/p>\n<p>Es importante indicar que el <strong>microcre\u0301dito<\/strong> a fines de mayo 2022, obtuvo un saldo de <strong>USD 2.829 millones<\/strong>, con el mayor crecimiento anual del tipo de cr\u00e9dito entregado por la banca privada, de alrededor de <strong>32%<\/strong>.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-15222\" src=\"https:\/\/w-group.tech\/sb\/wp-content\/uploads\/2022\/06\/grafico-nota-credio-de-los-bancos.png\" alt=\"\" width=\"506\" height=\"435\" \/><em><strong>Quito, 29 de junio 2022<\/strong><\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cr\u00e9dito es un\u00a0pr\u00e9stamo de dinero\u00a0que una parte concede a otra, generando una obligaci\u00f3n de pago de quien recibi\u00f3 el pr\u00e9stamo, gradualmente, o en un solo pago y con un inter\u00e9s adicional, debido al tiempo que us\u00f3 el dinero. Cuando se accede a un cr\u00e9dito es importante honrar la deuda, ya que el dinero que prestan [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":16652,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[114,5,6],"tags":[],"class_list":["post-15219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-boletin-de-prensa","category-noticias","category-noticias-destacadas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CR\u00c9DITO DE LOS BANCOS - Superintendencia de Bancos<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.superbancos.gob.ec\/bancos\/credito-de-los-bancos\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CR\u00c9DITO DE LOS BANCOS - Superintendencia de Bancos\" \/>\n<meta property=\"og:description\" content=\"Cr\u00e9dito es un\u00a0pr\u00e9stamo de dinero\u00a0que una parte concede a otra, generando una obligaci\u00f3n de pago de quien recibi\u00f3 el pr\u00e9stamo, gradualmente, o en un solo pago y con un inter\u00e9s adicional, debido al tiempo que us\u00f3 el dinero. Cuando se accede a un cr\u00e9dito es importante honrar la deuda, ya que el dinero que prestan [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.superbancos.gob.ec\/bancos\/credito-de-los-bancos\/\" \/>\n<meta property=\"og:site_name\" content=\"Superintendencia de Bancos\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-29T17:18:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-06T05:43:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.superbancos.gob.ec\/bancos\/wp-content\/uploads\/2022\/06\/foto-nota-credito-de-los-bancos-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"704\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Diego Buendia\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.superbancos.gob.ec\/bancos\/credito-de-los-bancos\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.superbancos.gob.ec\/bancos\/credito-de-los-bancos\/\"},\"author\":{\"name\":\"Diego Buendia\",\"@id\":\"https:\/\/www.superbancos.gob.ec\/bancos\/#\/schema\/person\/c12770f5145f3723f3aa20c0aafac282\"},\"headline\":\"CR\u00c9DITO DE LOS BANCOS\",\"datePublished\":\"2022-06-29T17:18:04+00:00\",\"dateModified\":\"2022-08-06T05:43:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.superbancos.gob.ec\/bancos\/credito-de-los-bancos\/\"},\"wordCount\":218,\"publisher\":{\"@id\":\"https:\/\/www.superbancos.gob.ec\/bancos\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.superbancos.gob.ec\/bancos\/credito-de-los-bancos\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.superbancos.gob.ec\/bancos\/wp-content\/uploads\/2022\/06\/foto-nota-credito-de-los-bancos-1.jpg\",\"articleSection\":[\"Bolet\u00edn de prensa\",\"Noticias\",\"Noticias Destacadas\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.superbancos.gob.ec\/bancos\/credito-de-los-bancos\/\",\"url\":\"https:\/\/www.superbancos.gob.ec\/bancos\/credito-de-los-bancos\/\",\"name\":\"CR\u00c9DITO DE LOS BANCOS - 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