{"id":11640,"date":"2021-08-20T11:00:22","date_gmt":"2021-08-20T16:00:22","guid":{"rendered":"https:\/\/backup.primeaction.com\/sp\/?p=11640"},"modified":"2021-08-13T12:25:11","modified_gmt":"2021-08-13T17:25:11","slug":"permitir-o-no-el-uso-de-cripto-activos-en-el-sistema-financiero","status":"publish","type":"post","link":"https:\/\/backup.primeaction.com\/sp\/permitir-o-no-el-uso-de-cripto-activos-en-el-sistema-financiero\/","title":{"rendered":"Permitir o no el uso de cripto activos en el sistema financiero"},"content":{"rendered":"

Con anterioridad al 2008, el sistema financiero ten\u00eda una clara bonanza internacional que facilitaba la puesta en marcha de innovaci\u00f3n financiera, as\u00ed como el desarrollo de productos financieros novedosos y sumamente sofisticados como los derivados.<\/p>\n

Los derivados, eran vistos como algo normal e incluso deseable, ya que permit\u00edan disminuir el riesgo de una manera m\u00e1s eficiente logrando que los participantes en el mercado asumieran \u00fanicamente los riesgos que entend\u00edan.<\/p>\n

Sin embargo, si hacemos un poco de historia, tambi\u00e9n podemos observar que los derivados y el capitalismo exacerbado fueron una de las principales causas de la crisis financiera mundial de 2008.<\/p>\n

Al igual que con los derivados, el ecosistema cripto presenta m\u00faltiples ventajas y beneficios, as\u00ed como posibles riesgos que nuestro regulador percibe son suficientes como para generar una nueva crisis mundial. Ante ello, es v\u00e1lido preguntar c\u00f3mo debe ser la regulaci\u00f3n aplicable al uso de cripto activos como Bitcoin o Stablecoins en el sistema financiero y, con ello, si es necesario o no establecer la \u201csana distancia\u201d propuesta por Banco de M\u00e9xico.<\/p>\n

En esa l\u00ednea de ideas, los sistemas tradicionales basan su enfoque en la respuesta a una simple pregunta, \u00bfel usuario de servicios financieros tiene o no la capacidad suficiente de entender el servicio financiero contratado y el riesgo que conlleva, as\u00ed como si es de inter\u00e9s p\u00fablico regularlo o no? Dependiendo de las respuestas, a la pregunta anterior, el sistema regulatorio financiero tradicional contempla no hacer nada o emitir regulaci\u00f3n.<\/p>\n

Podemos no emitir regulaci\u00f3n al respecto cuando consideramos que el usuario de servicios financieros tiene la capacidad suficiente para entender el servicio y su riesgo o cuando sabemos que la mano invisible del mercado se encargar\u00e1 de eliminar servicios financieros malos, fraudulentos o con fallas, ya que el usuario eventualmente dejar\u00e1 de usarlos.<\/p>\n

Si, por el contrario, el regulador considera que el usuario de servicios financieros no tiene la suficiente capacidad de conocer el servicio ofrecido y los riesgos relacionados o es de su inter\u00e9s perseguir alg\u00fan objetivo de pol\u00edtica p\u00fablica, la segunda respuesta tradicional es emitir regulaci\u00f3n prudencial o sobre regular el sector.<\/p>\n

En todo caso, sea cual fuese el acercamiento que tome el regulador financiero, la regulaci\u00f3n emitida t\u00edpicamente no es suficiente para incrementar los niveles de inclusi\u00f3n financiera, ni mucho menos para generar condiciones de efectiva competencia. Lo anterior se observa sobre todo en M\u00e9xico en donde tenemos un sector financiero que se caracteriza por tener m\u00faltiples fallas de mercado traducidas en servicios financieros costos, alta concentraci\u00f3n de estos y baja competencia.<\/p>\n

En este contexto es que en futuras columnas presentar\u00e9 cu\u00e1les son los verdaderos riesgos de la tecnolog\u00eda, c\u00f3mo mitigarlos y el por qu\u00e9 considero que el ecosistema Blockchain puede generar una mayor eficiencia en el sistema financiero y reducir sus altos costosos, alta concentraci\u00f3n y baja competencia, dando paso as\u00ed a elementos que posibilitan te\u00f3ricamente la competencia perfecta, es decir, aquella estructura de mercado que se caracteriza por un gran n\u00famero de empresas peque\u00f1as y una muy f\u00e1cil entrada o salida del mercado y con ello de paso, dar elementos a Banxico para que elimine su \u201csana distancia\u201d.<\/p>\n

Nos vemos en la siguiente entrega y recuerda que esta columna puede ser tu puerta de entrada a lo imposible. <\/p>\n","protected":false},"excerpt":{"rendered":"

El ecosistema cripto presenta m\u00faltiples ventajas y beneficios, as\u00ed como posibles riesgos que nuestro regulador percibe son suficientes como para generar una nueva crisis mundial.<\/p>\n","protected":false},"author":10,"featured_media":11642,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"single-post.php","format":"standard","meta":{"_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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