Resumen:
This paper researches, under legal suppositions, the possibility of implementing the negotiation of
“postdated” checks in the ecuadorian securities market, as an alternative of acquirement of financial
resources for the production of goods and services of the Small and Medium Companies, PYMES
(spanish). Results of an analysis performed on the PYMES sector evidenced problems of accessibility to
bank credits, barely 12% of the financial system loan portfolio are commited to finance small companies
of the real sector; hence, the new option is studied using “datos de corte transversal” with Descriptive
statistics, Delphi Method y cost-benefits, concluding that the alternative proposal should not be rejected.
