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RESUMEN Con el fin de mejorar la gestion del riesgo crediticio revolvente en la estimacion de provisiones en Mexico, especificamente en carteras adminis-tradas por grandes instituciones crediticias (bancos), en esta investigacion se identifico un modelo logit alternativo que refleja niveles de riesgo mas precisos. Indicadores financieros de la banca como el ahorro, los activos y las utilidades mostraron rendimientos del 2,20 %, mayor al registrado por la banca mexicana. Esta situacion confirma la necesidad de implementar un modelo mas capaz para medir el riesgo crediticio para dichas entidades. Palabras clave: banca, credito, modelo de estimacion, rendimientos y tecnicas de optimizacion. JEL : G21, E51, C51, C61, G17, G21 Updating the credit risk model: a necessary move for revolving credit facilities in Mexico ABSTRACT In order to improve the management of revolving credit risk when estimating provisions in Mexico ‒specifically in the case of portfolios admi-nistered by credit institutions (banks)‒ this research employs an alternative logit model to reflect levels of risk with greater precision than is customary. Financial indicators for the banking sector, such as savings, assets and profits

Actualización del modelo de riesgo crediticio, una necesidad para la banca revolvente en México