The aim of this paper is to introduce the importance of the banking credit risk, the main elements that conform it and the main alternatives that are offered to access to a loan as well as a description of its measurement and management in the sector. There will be a general explanation of credit risk and the main parties involved in it. As the topic is developed it is going to be analyzed the lending process carried out by the banks as well as the quantitative and qualitative elements taken into account when taking a credit decision (The 5C’s of credit, credit scoring and models for quantification of losses for instance). Another thing to considerate is that Credit risk arises whenever a borrower is expecting to use future cash flows to pay a current debt. Also, the investors have the access for the information of a client and they are compensated for assuming credit risk by way of in...

This research paper seeks to highlight the importance of risk management in organizations and how these should incorporate a risk management guide, following the guidelines of the ISO 31000 Guide, in order to define concepts Important such as risk culture, risk-appetite and risk-management indicators, which will enable them to better manage their organizations.

El presente documento de investigación busca destacar la importancia de la administración de riesgos en las organizaciones y como estas deben incorporar una guía de gestión de riesgos, siguiendo los lineamientos de la guía ISO 31000, con la finalidad de definir conceptos importantes tales como cultura de riesgos, apetito al riesgo e indicadores de gestión de riesgos, los cuáles van a permitir gestionar mejor sus organizaciones.

The paper is an overview about the Integrated Latin America Market (MILA) until December 2014, including the Mexico Stock Market in the analysis. The papers describes how the market has been developing during the last five years, showing some aspects about the market capitalization, the most traded shares and the S&P MILA Andean 40 index. Besides the paper shows the benefits about the MILA to investors and the relation between the stock exchange index and the exchange rate in those markets, using a correlation model.

The paper is an overview about the Integrated Latin America Market (MILA) until December 2014, including the Mexico Stock Market in the analysis. The papers describes how the market has been developing during the last five years, showing some aspects about the market capitalization, the most traded shares and the S&P MILA Andean 40 index. Besides the paper shows the benefits about the MILA to investors and the relation between the stock exchange index and the exchange rate in those markets, using a correlation model.