Evaluación a la cámara de compensación del Banco “PRODUBANCO”, de la ciudad de Ambato, provincia de Tungurahua, período 2015

Abstract

The main purpose of this research is to determine the assessment to the clearing house of “Produbanco” bank from Ambato city, Tungurahua province, during 2015 through an analysis to determine its management appropriateness. The development of this research is based on the data coming from the operability of the values sent to the central bank by the clearing house unit of “Produbanco” bank in charge of the values paid or cashmade in 2015. The evaluation of the payment system conducted to this financial institution will be useful to detect general needs in the national payment system as well as to point out that future actions should be aimed to enhance the legal framework supporting the functioning of payment systems. The outcomes after having applied the study; made possible to determine that the financial institution reflects: an economic solvency to face its creditors, increased deposit, promptness in the check cashing process due to the electronic exchange, and a more effective control of account movement.