Prácticas empresariales - banco de comercio exterior y desarrollo empresarial “Bancoldex”.

Abstract

The Foreign Trade Bank Bancoldex, is a financial entity that promotes regional development and competitiveness in companies, through financial instruments like the conventional and non-financial credits such as training in financial education, among others. Bancoldex cannot grant credits directly, because it is a second-tier bank; therefore, it works by means of a rediscount mechanism, in which it consists of the request of resources by the financial institution to a lender authorized to cover a credit to a third party; This is done through the endorsement of securities. In its beginnings Bancoldex was exclusively an external Trade Bank, in the course of history it evolved to become a bank of business development, being thus, one of the most important financial entities of Colombia, because it delivers resources at low costs The credits that can be obtained with Bancoldex resources, are directed exclusively to the business sector; they can be natural or juridical persons with current commercial activity, classified as micro, small, medium and large entrepreneurs according to the Mipyme law (law590 and its amendments in law 905). In the internships done in Bancoldex, managerial, administrative, logistic, financial, marketing and other functions are carried out; which help to reinforce the knowledge acquired during the university career, focusing them on a specific segment such as the financial sector. The result was an increase in disbursements in the Meta Department by 17.77% compared to the previous year, in the period of business practices, as a result of the strategic alliances carried out and the promotion and dissemination events of the bank's products. Finally, some recommendations are proposed that would help improve the work assigned