GCS Consultores soluciones financieras integrales para personas
Archivos
Fecha
2004
Autores
Profesor/a Guía
Idioma
es
Título de la revista
ISSN de la revista
Título del volumen
Editor
Universidad Andrés Bello
Nombre de Curso
Licencia CC
Licencia CC
Resumen
El consumo en Chile, ocupa un lugar preferencial en el modo de vida de la
población, incorporando en el último tiempo una amplia gama de productos y servicios.
Estas oportunidades de consumo, especialmente de los grupos socioeconómicos de
menores ingresos, están vinculadas a las oportunidades de crédito que obtengan del
circuito comercial.
A partir de los años 80, el fácil acceso al crédito para facilitar el consumo,
adquiere una progresiva importancia en la población nacional. Sin embargo, la
contratación de créditos por encima de la capacidad de ingresos familiares destinados
en muchos casos al pago de deudas, ha generado un alto nivel de endeudamiento.
En 1996, los chilenos adquirieron compromisos financieros por cuatro millones de
dólares. En 1997, un millón 470 mil hogares debían como promedio 850 mil pesos
mensuales. La gran mayoría de éstos pertenecía a los grupos socioeconómicos C1, C2
y C3, con débitos que equivalían a seis veces el sueldo de cada mes, tendencia que se
mantiene en la actualidad.
Si bien el mercado ofrece alternativas de refinanciamiento de deuda, el nivel de
sobreendeudamiento de las personas, no permite obtener un crédito que cubra el total
de la deuda (solamente una fracción).
Por esto, la idea de una empresa que busque disminuir los riesgos por
renegociar deuda, consiga mejores tasas y plazos de pago, por ofrecer un volumen de
deuda atractivo a los bancos, es viable, por la necesidad de las personas y por el
aumento en participación de mercado que representa a los bancos.
Purchasing power, occupies a privileged position in the lives of people in Chile, now with a wide range of new products and services.The opportunities to acquire products and services, especially for those people of low incomes, are closely related to the opportunities the credit market is offering them. From the 80ties, the easy access to credit is having a progressive importance among the population in Chile. However the possibility to get a loan beyond the real income capacities has produced a high level of borrowings. In 1996 Chilean People got debts of US$4 million. In 1997, 1.470.000 families had an average monthly debt of $850.000. The great majority belonged to the socioeconomical groups C1, C2 and C3, whose are tantamount to 6 times their monthly wages, tendency that remains as of today. Although the market offers alternatives to restructure debts, the overleveraged, does not allow people to get loans to serve the total debit. For this reason, it is possible to think of a company that encourages risk decrease when restructuring debts, gets best interest rates and payment terms when offering to banks attractive debts levels. This is possible because of people needs and because it means for banks an increase in market participation
Purchasing power, occupies a privileged position in the lives of people in Chile, now with a wide range of new products and services.The opportunities to acquire products and services, especially for those people of low incomes, are closely related to the opportunities the credit market is offering them. From the 80ties, the easy access to credit is having a progressive importance among the population in Chile. However the possibility to get a loan beyond the real income capacities has produced a high level of borrowings. In 1996 Chilean People got debts of US$4 million. In 1997, 1.470.000 families had an average monthly debt of $850.000. The great majority belonged to the socioeconomical groups C1, C2 and C3, whose are tantamount to 6 times their monthly wages, tendency that remains as of today. Although the market offers alternatives to restructure debts, the overleveraged, does not allow people to get loans to serve the total debit. For this reason, it is possible to think of a company that encourages risk decrease when restructuring debts, gets best interest rates and payment terms when offering to banks attractive debts levels. This is possible because of people needs and because it means for banks an increase in market participation
Notas
Tesis (Ingeniero en Ejecución Industrial)
Palabras clave
Crédito Comercial., Revalorización de Valores