analisis oferta crediticia

7/26/2019 Analisis Oferta Crediticia

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Nombre del estudiante: XXXXXXX

Nombre del trabajo: ANALISIS DE LA OFERTACREDITICIA

Fecha de entrea: XXXXXX

Cam!us: TOL"CA

Carrera #$re!a: AD%INISTRACION DEE%$RESAS

Semestre#Cuatrimestre: XXXX


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Credit cards offer in Mexico analysis

Abstract (espaol)

Este proyecto de investigacin est concentrado en explicar la situacin de la ofertacrediticia en nuestro pas Mxico. nicial!ente se to!ar co!o punto de partida la

explicacin breve de este tipo de financia!iento" sus venta#as y desventa#as.

$espus se explicar un panora!a general de la oferta crediticia" explicando la

tendencia y relacin entre las variables% ingreso y &A'. iguiendo con el desarrollo

del te!a se realiar un anlisis de la oferta de tar#etas de crdito de **+A"

*ana!ex" y antander" con el ob#etivo de generar un anlisis del &A' pro!edio de

cada banco y los ingresos !ni!os re,ueridos para la contratacin de sus servicios

financieros" y as de!ostrar de !anera breve ,ue banco es !s costoso ,ue otro.

-ara finaliar se !ostrar una interpretacin de la relacin existente entre el costo

de los servicios bancarios y el nivel socioecon!ico por seg!ento.

Abstract (englis)

'is investigation -ro#ect is focused on explain te credit offer situation" in our

country" Mexico. 'e initial point of te pro#ect it/s an explanation of tis type of

finance instru!ent" its advantages and disadvantages. 'en a! going to tal0

about te general vie1 of te credit offer" and te lin0 bet1een te inco!e and te

total annual cost. 'o 0eep going 1it te develop!ent of te topic an analysis per

eac ban0 1ill ta0e place" te considered ban0s for tis study are **+A" *ana!ex"

and antander2 1it te !ain purpose to co!pare te average annual total cost"

and te annual pay!ent" of te tree ban0s credit products" in order to observe1ic ban0 is !ore expensive. 3inally" an interpretation of te relationsip a!ong

te ban0 services cost and te socioecono!ic seg!ent 1ill be so1n.

Abstract (fran4ais)

&e pro#et de recerce se concentre sur l5explication de la situation de l/offre decrdit dans notre pays Mexi,ue. nitiale!ent" il sera considr co!!e un point dedpart la br6ve explication de ce type de finance!ent" ses avantages et sesinconvnients. Apr6s un aper4u de l5offre de crdit sera expli,u" expli,uant latendance et la relation entre les variables % le revenu et &A'. Apr6s le

dveloppe!ent du su#et est une analyse de l5offre de cartes de crdit de **+A"*ana!ex et antander se tiendra" dans le but de gnrer une analyse de la!oyenne de &A' de ca,ue ban,ue et le revenu !ini!u! re,uis pour contracterles services financiers" et ainsi d!ontrer bri6ve!ent ,ue la ban,ue est plus cer,ue l5autre. -our !ettre fin 7 une interprtation entre le co8t des services bancaireset seg!ent de niveau socio9cono!i,ue sera affic.


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Theoretical framework

The object of analysis of this investigation project is how the cost of credit finance

services behaves in relation with the income perceived by families or individuals. forthese academic purpose many tools were considered as valuable information

sources, for example: official websites, books, specific topic blogs and specialiedmagaines.

The main theory is that in Mexico, if the people has an undeveloped socioeconomic

level, will trigger a higher total annual cost of a credit financial service. To measure

this values, ! am going to use the average annual total cost, the minimum income

needed to ac"uire credit cards from different bank institutions# which are $$%&,$anamex and 'antander. &lso the socioeconomic segmentation for Mexican social

structures from !M&!, will be used as a point of comparison to prove this theory.

!ntroduction

& personal credit card is a service issued by financial companies to give the holder

an option to borrow money of funds. This tools charge interest and are used for

short(term financing. The idea of big company borrowing money easily is great but

like in almost everything, they are advantages and disadvantages, and credit cards

are not the exception).

&dvantages*

:

Convenience

+ecord keeping

ow(cost loans

!nstant cash

-erks and benefits

$uild positive credit

-urchase protection

$alance surfing


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isadvantages/:

+isk of overuse&n extra income thought

-ayment delay incur in a bad credit bureau report0igh interest rates

1ow that, the concept and the general frame of a credit card its described, let2s

move on, on the central topic, which is the purpose of this investigation project. 3or

this, three different bank companies have been selected, $$%&, $anamex and

'antander, to compare their total annual cost and minimum re"uired income forbeing available to use these services. The next part of the project will explain the

general offer of these services, and behavior between the total annual cost and the

income shown with a sample composed of twenty(one different credit cards.

4eneral market credit cards offer

&s we can see in the chart below, credit cards are ordered, from the highest totalannual cost to the lowest one, each of these credit cards linked with their minimum

re"uired income for been eligible to have one.


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!f we put attention on the 5froen $ancomer credit card6, the total annual cost is of

78.*9 and it re"uires a minimum income of four thousand Mexican pesos. !n the

other side the 5'antander world elite credit card6 has a total annual cost of );./9

and its needed to prove a monthly income of


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&s its being said, the trend points that with an increase in the minimum income re"uired thetotal annual cost decrease, this can be explained as a risk evaluation strategy combinedwith a long term more attractive costumers, where the low income segment represents highrisk costumers and the high income profile is view as a long term attractive costumer.

Continuing with the investigation and to prove that effect of 5high income( low interest rate6,the three selected banks are going to be analyed in an isolated way.

$$%& $ancomer

!n the case of the bank $$%& the high annual cost is of 78.*9 for a minimum monthlyincome re"uired of


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$anamex

3or $anamex credit card products, the high annual cost is for the $('M&+T with apercentage of ;>.?9 and an income re"uired of


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!f we pay attention in the graphics above, we can observe also in these five

$anamex products there is also a 5low income(high total annual cost6 effect.

'antander!n the chart below of 'antander credit cards, we can emphasie that the moreexpensive product of the list is the '&1T&1@+ C&'!C&, with a total annual cost

of *8.79 with a minimum income re"uired of


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if we analye the next graphics, we can also see that there is a marked 5low annual

cost(high income6 trend to.

&nnual total cost and income re"uired averagescomparison between banks


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&t this part of the project, we are going to talk about which of the three banks,

compared on this investigation, which one is the cheapest one and which one is the

most expensive. To measure this, the general offer average on the market

highlighted on green in the chartD will play an important role, as point of measure.

&s we consider the graphic above, we can assume that the bank institution with the

lowest total annual cost average on its products is 'antander, and the most

expensive is $ancomer, with a ;; difference, which is almost the twice of totals

'antander2s annual cost average of */. $anamex is only * above of the general

total annual cost offer on the market, with a ;* average total annual cost.


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The aspects shown before are also related with the relationship between totalannual cost and the monthly income re"uired. !t can be explained because, talking

about average income re"uired, 'antander drops the highest indicator with an

average of


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To explain this point, let2s take a look to the two opposite poles of the socioeconomic

segments for this credit card products, which are the segment &E$ and the

segment, the 5'antander world elite credit card6 );./9 T&CD and the 5froen

$$%& card6 78.*9 T&CD respectively. These two options have a difference of

?*.7 on a total annual cost, and a


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$ibliography

http:EEwww./>9financialliteracy.orgETopicsECredit(and(ebtECredit(CardsE&dvantages(and(

isadvantages(of(Credit(CardsGsthash.HA'dh$s.dpuf

http:EEwww.takechargeamerica.orgEcredit(cards(advantages(and(disadvantages(for(the(consumerE

http:EEwww.investopedia.comEtermsEcEcreditcard.aspGix;)@o%;cwt

+eferences) Unknown. (Not Specifed). Credit Card. 25022016! de "n#e$topedia Sitiowe%& 'ttp&www.in#e$topedia.coter$ccreditcard.a$p

*

&!C-&. *9);D. &dvantages and isadvantages of Credit Cards. *=E9*E*9)>, de/>9 financial literacy 'itio web: http:EEwww./>9financialliteracy.orgETopicsECredit(and(ebtECredit(CardsE&dvantages(and(isadvantages(of(Credit(CardsGsthash.HA'dh$s.dpuf

/ Hnknown. 1ot 'pecifiedD. Credit Cards: &dvantages and isadvantages for theConsumer. *=E9*E*9)>, de Take chargeamerica 'itio web:http:EEwww.takechargeamerica.orgEcredit(cards(advantages(and(disadvantages(for(the(consumerE
http://www.360financialliteracy.org/Topics/Credit-and-Debt/Credit-Cards/Advantages-and-Disadvantages-of-Credit-Cards#sthash.UWSdhzBs.dpufhttp://www.360financialliteracy.org/Topics/Credit-and-Debt/Credit-Cards/Advantages-and-Disadvantages-of-Credit-Cards#sthash.UWSdhzBs.dpufhttp://www.takechargeamerica.org/credit-cards-advantages-and-disadvantages-for-the-consumer/http://www.takechargeamerica.org/credit-cards-advantages-and-disadvantages-for-the-consumer/http://www.investopedia.com/terms/c/creditcard.asp#ixzz41EoV4cwthttp://www.investopedia.com/terms/c/creditcard.asp#ixzz41EoV4cwthttp://www.takechargeamerica.org/credit-cards-advantages-and-disadvantages-for-the-consumer/http://www.takechargeamerica.org/credit-cards-advantages-and-disadvantages-for-the-consumer/http://www.investopedia.com/terms/c/creditcard.asp#ixzz41EoV4cwthttp://www.360financialliteracy.org/Topics/Credit-and-Debt/Credit-Cards/Advantages-and-Disadvantages-of-Credit-Cards#sthash.UWSdhzBs.dpufhttp://www.360financialliteracy.org/Topics/Credit-and-Debt/Credit-Cards/Advantages-and-Disadvantages-of-Credit-Cards#sthash.UWSdhzBs.dpuf


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analisis oferta crediticia

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