NEGOTIATION AND CREDIT EVALUATION: FINANCIAL INSTRUMENTS

Abstract

The objective of the research is to develop the process of negotiation and evaluation of financing through the use of bank products, considering: The terms and conditions of financing, the stages of credit evaluation, the financial instruments used in financing productive activities and the integration of the three tools. It is a specialized area of knowledge in banking, which empowers us in the use of tools, to instruct in a more effective way and achieve the goals so desired in Panamanian education of this 21st century: A quality product, a professional endowed with the necessary financial tools, for the efficient and creative contribution in the economic-financial areas. The contribution of the research is defined in the following aspects: The elaboration of the body of work of the subject Credit Negotiation and Evaluation, with material for the realization of projects, the analysis of cases and the estimates related to bank financing. In addition, the development of the theoretical perspective, fundamental in the curricular methodology. The three financial tools designed by the authors allow qualification and quantification in said process.