{"id":15416,"date":"2022-05-25T15:00:46","date_gmt":"2022-05-25T20:00:46","guid":{"rendered":"https:\/\/backup.primeaction.com\/sp\/?p=15416"},"modified":"2022-05-25T14:03:36","modified_gmt":"2022-05-25T19:03:36","slug":"inflacion-lleva-a-los-mexicanos-a-usar-tarjetas-de-credito-para-pagar-bbva","status":"publish","type":"post","link":"https:\/\/backup.primeaction.com\/sp\/inflacion-lleva-a-los-mexicanos-a-usar-tarjetas-de-credito-para-pagar-bbva\/","title":{"rendered":"Inflaci\u00f3n lleva a los mexicanos a usar tarjetas de cr\u00e9dito para pagar: BBVA"},"content":{"rendered":"

Una inflaci\u00f3n m\u00e1s elevada est\u00e1 haciendo que los ingresos reales se rezaguen y por lo tanto hay familias que est\u00e1n utilizando el cr\u00e9dito para compensar esta disminuci\u00f3n, asegur\u00f3 el banco.<\/p>\n

El incremento de la inflaci\u00f3n en M\u00e9xico ha generado que las familias empiecen a comprar su consumo diario por medio de alternativas de cr\u00e9dito, debido a que sus ingresos reales se ven rezagados por el aumento de precios.<\/p>\n

De acuerdo con el Economista en Jefe de BBVA, Carlos Serrano, ante este escenario se espera que la morosidad registre un aumento marginal, mientras que la inflaci\u00f3n empezar\u00eda a bajar hasta el pr\u00f3ximo a\u00f1o.<\/p>\n

\u201cUna inflaci\u00f3n m\u00e1s elevada est\u00e1 haciendo que los ingresos reales se rezaguen y por lo tanto hay familias que est\u00e1n utilizando el cr\u00e9dito para compensar esta disminuci\u00f3n\u201c, asegur\u00f3 durante la presentaci\u00f3n del estudio \u201cSituaci\u00f3n banca M\u00e9xico\u201d.<\/p>\n

Serrano explic\u00f3 que se observa un aumento en el cr\u00e9dito al consumo en t\u00e9rminos nominales debido a que para adquirir la canasta de bienes, debido a que la poblaci\u00f3n debe pagar m\u00e1s y en consecuencia recurre a productos bancarios de cr\u00e9dito.<\/p>\n

De acuerdo con BBVA, la cartera de cr\u00e9dito al consumo del sector creci\u00f3 2.8% en t\u00e9rminos anuales al cierre de marzo respecto del mismo periodo de 2021, de hecho, este segmento crece a tasas anuales positivas en t\u00e9rminos reales (descontando la inflaci\u00f3n) desde enero de 2022, luego de casi dos a\u00f1os contray\u00e9ndose.<\/p>\n

Seg\u00fan BBVA, en marzo de 2022, la cartera vigente de las tarjetas de cr\u00e9dito tuvo un aumento de 3.3% en t\u00e9rminos reales, el mayor registrado desde junio de 2017 y tanto el indicador de consumo privado en el mercado interno como el \u00cdndice Global de Actividad Econ\u00f3mica (IGAE) del comercio minorista han presentado un repunte significativo al uso de tarjetas de cr\u00e9dito.<\/p>\n

\u201cEl menor ahorro acumulado por los hogares por motivo de las reaperturas y la relativa vuelta a una normalidad ante la disminuci\u00f3n de los casos de Covid-19, podr\u00edan explicar el cambio de tendencia del segmento de tarjetas de cr\u00e9dito\u201d, precisa el estudio.<\/p>\n

Mientras que el saldo vigente de los cr\u00e9ditos de n\u00f3mina acumul\u00f3 en marzo 5 meses de crecimiento real anual, registrando en ese mes un aumento de 3.8%, el m\u00e1s alto desde enero de 2020 y promediando a tasa anual en el primer trimestre un incremento de 3.5%.<\/p>\n

Por su parte, la cartera vigente de los cr\u00e9ditos personales creci\u00f3 1.1% en t\u00e9rminos reales en marzo, tras 39 meses de ca\u00eddas; en tanto que el saldo del cr\u00e9dito vigente para la adquisici\u00f3n de bienes de consumo duraderos sigue registrando ca\u00eddas anuales en t\u00e9rminos reales, registrando -1.8%.<\/p>\n

Adem\u00e1s, BBVA prev\u00e9 que Banco de M\u00e9xico (Banxico) continue elevando su tasa de referencia, llegando a 8.75 a 9% al cierre de a\u00f1o, lo cual podr\u00eda afectar la demanda de cr\u00e9dito, principalmente por parte de las empresas.<\/p>\n

Carlos Serrano se\u00f1al\u00f3 que tambi\u00e9n se observa una reducci\u00f3n en la tenencia de bonos del gobierno mexicano, debido al fuerte aumento de tasas de inter\u00e9s principalmente en Estados Unidos y la volatilidad que prevalece en los mercados.<\/p>\n

\u201cLa reducci\u00f3n en la tenencia de bonos mexicanos por parte del gobierno por parte de no residentes en 2021 super\u00f3 lo ocurrido en 2020. Ante las mayores tasas de inter\u00e9s en Estados Unidos y la volatilidad, parece dif\u00edcil que haya un apetito por bonos mexicanos e n el corto plazo\u201d, afirm\u00f3.<\/p>\n","protected":false},"excerpt":{"rendered":"

Una inflaci\u00f3n m\u00e1s elevada est\u00e1 haciendo que los ingresos reales se rezaguen y por lo tanto hay familias que est\u00e1n utilizando el cr\u00e9dito para compensar esta disminuci\u00f3n, asegur\u00f3 el banco. El incremento de la inflaci\u00f3n en M\u00e9xico ha generado que las familias empiecen a comprar su consumo diario por medio de alternativas de cr\u00e9dito, debido […]<\/p>\n","protected":false},"author":10,"featured_media":15419,"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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_mbp_gutenberg_autopost":false,"fifu_image_url":"https:\/\/cdn.forbes.com.mx\/2021\/05\/Supermercado_001-640x360.jpg","fifu_image_alt":"Inflaci\u00f3n lleva a los mexicanos a usar tarjetas de cr\u00e9dito para pagar: BBVA","footnotes":""},"categories":[10],"tags":[],"class_list":["post-15416","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-post-minorista"],"yoast_head":"\nInflaci\u00f3n lleva a los mexicanos a usar tarjetas de cr\u00e9dito para pagar: BBVA · Prime Action Consulting<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/backup.primeaction.com\/sp\/inflacion-lleva-a-los-mexicanos-a-usar-tarjetas-de-credito-para-pagar-bbva\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Inflaci\u00f3n lleva a los mexicanos a usar tarjetas de cr\u00e9dito para pagar: BBVA · Prime Action Consulting\" \/>\n<meta property=\"og:description\" content=\"Una inflaci\u00f3n m\u00e1s elevada est\u00e1 haciendo que los ingresos reales se rezaguen y por lo tanto hay familias que est\u00e1n utilizando el cr\u00e9dito para compensar esta disminuci\u00f3n, asegur\u00f3 el banco. 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