{"id":11759,"date":"2021-08-30T11:00:28","date_gmt":"2021-08-30T16:00:28","guid":{"rendered":"https:\/\/backup.primeaction.com\/sp\/?p=11759"},"modified":"2021-08-20T12:22:18","modified_gmt":"2021-08-20T17:22:18","slug":"la-banca-en-mexico-confia-en-la-reactivacion-del-credito-a-finales-de-2021","status":"publish","type":"post","link":"https:\/\/backup.primeaction.com\/sp\/la-banca-en-mexico-confia-en-la-reactivacion-del-credito-a-finales-de-2021\/","title":{"rendered":"La banca en M\u00e9xico conf\u00eda en la reactivaci\u00f3n del cr\u00e9dito a finales de 2021"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/cdn-3.expansion.mx\/dims4\/default\/19e49f1\/2147483647\/strip\/true\/crop\/788x443+0+0\/resize\/1600x900!\/format\/webp\/quality\/90\/?url=https%3A%2F%2Fcdn-3.expansion.mx%2Ffa%2F45%2F1bbf57d84efa931d976b4a3b05af%2Fistock-1257331740.jpg\" width=\"1600\" height=\"900\" class=\"aligncenter size-medium lazyload\" \/><noscript><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/cdn-3.expansion.mx\/dims4\/default\/19e49f1\/2147483647\/strip\/true\/crop\/788x443+0+0\/resize\/1600x900!\/format\/webp\/quality\/90\/?url=https%3A%2F%2Fcdn-3.expansion.mx%2Ffa%2F45%2F1bbf57d84efa931d976b4a3b05af%2Fistock-1257331740.jpg\" width=\"1600\" height=\"900\" class=\"aligncenter size-medium\" \/><\/noscript><\/p>\n<p>Lo peor de la crisis de la colocaci\u00f3n de cr\u00e9dito bancario en M\u00e9xico lleg\u00f3 a su fin, o al menos eso es lo que esperan las instituciones financieras que operan en pa\u00eds, las cuales estiman un repunte en los financiamientos en los \u00faltimos tres meses del 2021, acompa\u00f1ados de la reactivaci\u00f3n econ\u00f3mica.<\/p>\n<p>En febrero del a\u00f1o pasado, es decir antes de la pandemia del coronavirus, la banca ten\u00eda una cartera crediticia de 5.14 billones de pesos (bdp), cifra que se redujo a 5.02 bdp al cierre del primer semestre del 2021, se\u00f1alan datos de la Comisi\u00f3n Nacional Bancaria y de Valores (CNBV). En diciembre pasado la cifra era de 4.97 bdp.<\/p>\n<p>El Fondo Monetario Internacional (FMI) estima que el PIB nacional tenga un repunte de 6.3%, cifra mayor al 5% esperado a inicios de a\u00f1o.<\/p>\n<p>\u00abA\u00fan No hemos visto niveles de recuperaci\u00f3n porque se asocia al desfase del crecimiento econ\u00f3mico y la demanda de cr\u00e9dito de los usuarios. Hist\u00f3ricamente hemos encontrado que hay un desfase de alrededor de nueve meses entre una recuperaci\u00f3n de la econom\u00eda y una recuperaci\u00f3n del cr\u00e9dito\u00bb, dijo Daniel Becker, presidente de la Asociaci\u00f3n de Bancos de M\u00e9xico (ABM).<\/p>\n<p>El l\u00edder de los banqueros destac\u00f3 \u00abel esfuerzo importante\u00bb que hacen para atender a las peque\u00f1as y medianas empresas que se vieron afectadas en la pandemia.<\/p>\n<p>Los \u00faltimos datos del Inegi se\u00f1alan que en 2020 se perdieron 1.1 millones de estos negocios y la ABM reconoci\u00f3 que hay un reclamo de las pymes por cr\u00e9ditos, por lo que est\u00e1n analizando c\u00f3mo se pueden hacer alianzas con la banca de desarrollo y la Secretar\u00eda de Econom\u00eda.<\/p>\n<p>\u00abQuiero ser muy enf\u00e1tico: la banca no otorgar\u00e1 cr\u00e9ditos que no sean recuperables porque una de las responsabilidades m\u00e1s importantes que tenemos es movilizar el ahorro de todos los mexicanos; desafortunadamente hay segmentos que se vieron seriamente afectados, estamos tratando de encontrar las mejores formulas y alternativas\u00bb, dijo Becker.<\/p>\n<p>El l\u00edder de la Asociaci\u00f3n de Banqueros destac\u00f3 que por las condiciones actuales del mercado, estas empresas tienen una evaluaci\u00f3n de riesgos mayor que se ve reflejado en las tasas que reciben.<\/p>\n<p>\u00abEs importante mencionar que la tasa para las peque\u00f1as y medianas empresas ha ido disminuyendo; \u00bfhay oportunidad de mejorar? Claro, pero tambi\u00e9n es importante mencionar que hay una relaci\u00f3n entre riesgo y rendimiento, y conforme las cosas se vean un poco m\u00e1s claras en el horizonte es muy probable que tambi\u00e9n veamos un descenso en las tasas activas para este segmento de la econom\u00eda\u00bb, a\u00f1adi\u00f3.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Asociaci\u00f3n de Bancos de M\u00e9xico espera que la reactivaci\u00f3n de la econom\u00eda termine con la mala racha del cr\u00e9dito, aunque advierte que es necesario el apoyo del gobierno.<\/p>\n","protected":false},"author":10,"featured_media":11761,"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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