The financial system is made up of all banking and financial institutions and other public and private companies and institutions, duly authorized by the Superintendency of Banking and Insurance, which operate in financial intermediation, such as: The banking system, the system Non-bank and stock market..
The state participates in the financial system in the investments it holds in COFIDE as a second-tier development bank, a regular activity developed by companies and institutions authorized to raise funds from the public and place them in the form of credits and investments. It is the set of institutions in charge of the circulation of the money flow and whose main task is to channel the money of the ahorristas towards those who want to make productive investments. The institutions that fulfill this role are called "Financial Intermediaries" or "Financial Markets". The efficiency of this transformation will be greater the greater the flow of investment resources directed towards the investment.