Intermediación financiera y crecimiento económico a través de los indicadores DEPTH, BANK, PRIVATE Y PRIV/y del Ecuador, período 2012-2022

Abstract

Financial intermediation and economic growth from the real and financial points of view allows us to know whether or not there is a relationship of dependency between both variables, where organizations that allow the exchange of goods and services stimulate the economy of financial intermediaries that play an important role , due to they provide liquidity services, reduce risk, reduce transaction costs and allow savers and small borrowers to benefit from financial markets, therefore, the objective of this research was to study the relationship that exists between the financial intermediation and economic growth through the DEPTH, BANK, PRIVATE and PRIV/Y indicators of Ecuador, period 2012 - 2022. The methodology implemented had a qualitative and quantitative approach, a longitudinal quasi-experimental design was used because it described variables which were manipulated. Research techniques and instruments were used, among which represented secondary sources of information and statistical software applied to the data obtained. Through this methodology, it was possible to determine the incidence of the Gross Domestic Product considered as economic growth in the variables of Domestic assets of commercial banks, as Total assets of the financial system, Credit to private companies, Total credit of the financial sector of the financial intermediation of the Ecuador, during the period 2012 – 2022. It is concluded that the analyzed indicators reveal a series of patterns and trends that highlight the relevance of effective financial intermediation in stimulating economic growth. The positive evolution of financial indicators has been reflected in a gradual increase in gross domestic product (GDP), indicating that effective intermediation contributes to the boost of economic activity at the macroeconomic level