{"id":15516,"date":"2022-06-01T11:00:12","date_gmt":"2022-06-01T16:00:12","guid":{"rendered":"https:\/\/backup.primeaction.com\/sp\/?p=15516"},"modified":"2022-06-30T17:21:29","modified_gmt":"2022-06-30T22:21:29","slug":"credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz","status":"publish","type":"post","link":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/","title":{"rendered":"Cr\u00e9dito al consumo ya muestra crecimiento, excepto el automotriz"},"content":{"rendered":"

La recuperaci\u00f3n econ\u00f3mica y del empleo tras el impacto de la pandemia de Covid-19, ya se reflejan en una mayor actividad por parte de la poblaci\u00f3n, lo que ha llevado a que, en los \u00faltimos meses, el cr\u00e9dito al consumo que otorga la banca comercial, registre crecimientos en casi todos sus segmentos, excepto el automotriz, que sigue afectado dado que persisten los cuellos de botella en las cadenas de suministro globales.<\/p>\n

Tanto a nivel gremial, a trav\u00e9s de la Asociaci\u00f3n de Bancos de M\u00e9xico (ABM), como de manera individual, tal es el caso de BBVA, se ha destacado que el portafolio de consumo es el que ha impulsado la recuperaci\u00f3n de la cartera total al sector privado; en tanto que el destinado a empresas, aunque ha tomado un mayor dinamismo, sigue en n\u00fameros negativos.<\/p>\n

\u201cEl cr\u00e9dito al consumo refleja recuperaci\u00f3n, en l\u00ednea con el consumo privado interno del pa\u00eds\u201d, se\u00f1al\u00f3 la ABM en su m\u00e1s reciente presentaci\u00f3n a medios.<\/p>\n

Desde abril del 2020, justo en el inicio de la pandemia, la cartera de consumo de la banca comercial registr\u00f3 decrecimientos mes tres mes, alcanzando su punto m\u00e1s alto en febrero del 2021, cuando la contracci\u00f3n fue de 13.6%, ello, con base en informaci\u00f3n del Banco de M\u00e9xico (Banxico). Fue hasta enero del 2022, cuando volvi\u00f3 a mostrar un aumento.<\/p>\n

Tercer mes con aumentos<\/p>\n

En su informe sobre Situaci\u00f3n Banca, BBVA M\u00e9xico destaca que en marzo del 2022, la variaci\u00f3n anual real de los saldos vigentes de la cartera de cr\u00e9dito al consumo fue de 2.8% (10.5% nominal), lo que represent\u00f3 el tercer mes con aumentos.<\/p>\n

El reporte de BBVA detalla que la cartera vigente de las tarjetas de cr\u00e9dito (que representa 36% del cr\u00e9dito al consumo), tuvo un aumento de 3.3% en marzo pasado en t\u00e9rminos reales, el mayor registrado desde junio del 2017.<\/p>\n

\u201cTanto 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 que constituye un impulso (con cierto rezago) al uso de tarjetas de cr\u00e9dito, y por ende, al crecimiento de los saldos vigentes del segmento\u201d, refiere.<\/p>\n

El documento menciona que, por otra parte, el saldo vigente de los cr\u00e9ditos de n\u00f3mina (26.5% del portafolio de consumo), acumul\u00f3 en marzo cinco meses de crecimiento real anual, registrando un aumento de 3.8%, el m\u00e1s alto desde enero del 2020, y promediando una tasa anual en el primer trimestre del 2022 de 3.5%, lo cual refleja la mejor\u00eda en los indicadores de empleo del Instituto Mexicano del Seguro Social (IMSS).<\/p>\n

Y la cartera vigente de los cr\u00e9ditos personales (16.5% del total del portafolio de consumo) creci\u00f3 1.1% en t\u00e9rminos reales en marzo pasado, despu\u00e9s de 39 meses de ca\u00eddas. Aqu\u00ed, destaca BBVA, el alza en la confianza que se refleja en el \u00cdndice de Confianza del Consumidor (ICC), impacta con rezagos los saldos de este segmento.<\/p>\n

Automotriz sigue en terreno negativo<\/p>\n

Por su parte, el saldo del cr\u00e9dito vigente para la adquisici\u00f3n de bienes de consumo duradero (conocido como ABCD y que representa 16.5% del total de la cartera destinada a las familias), registr\u00f3 una ca\u00edda de 1.8% en t\u00e9rminos reales anuales (5.5% nominal), ello, como consecuencia principalmente del decrecimiento de 6.5% en el segmento automotriz, su principal componente.<\/p>\n

BBVA M\u00e9xico puntualiza que el financiamiento automotriz ha presentado ca\u00eddas en los saldos vigentes por 22 meses, debido en gran parte a la persistencia de los cuellos de botella en las cadenas de suministro globales, que en el 2022 a\u00fan afectan la disponibilidad de insumos y generan una contracci\u00f3n de la oferta de veh\u00edculos y una ca\u00edda en la venta de los mismos.<\/p>\n

\u201cLo anterior impacta indirectamente a la demanda por financiamiento automotriz, incluso en el actual contexto de reaperturas y recuperaci\u00f3n de la actividad econ\u00f3mica\u201d, enfatiza.<\/p>\n

Mayor necesidad de financiar el gasto corriente<\/p>\n

El informe Situaci\u00f3n Banca precisa que el crecimiento del empleo ha ayudado a reactivar la cartera de consumo, pero que aunado a ello, una mayor necesidad de financiar el gasto corriente ante el incremento en los precios, podr\u00eda estar generando una mayor demanda por este tipo de financiamiento, debido a la p\u00e9rdida de poder adquisitivo.<\/p>\n","protected":false},"excerpt":{"rendered":"

Crecimiento del empleo formal ha contribuido a mejorar el desempe\u00f1o de la mayor\u00eda de las categor\u00edas de este tipo de pr\u00e9stamos.<\/p>\n","protected":false},"author":10,"featured_media":15519,"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:\/\/www.caixabankresearch.com\/sites\/default\/files\/styles\/share\/public\/content\/image\/2020\/01\/24\/34529\/consumo-credito.jpg?itok=h1kaw0MV","fifu_image_alt":"Cr\u00e9dito al consumo ya muestra crecimiento, excepto el automotriz","footnotes":""},"categories":[10],"tags":[],"class_list":["post-15516","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-post-minorista"],"yoast_head":"\nCr\u00e9dito al consumo ya muestra crecimiento, excepto el automotriz · 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\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dito al consumo ya muestra crecimiento, excepto el automotriz · Prime Action Consulting\" \/>\n<meta property=\"og:description\" content=\"Crecimiento del empleo formal ha contribuido a mejorar el desempe\u00f1o de la mayor\u00eda de las categor\u00edas de este tipo de pr\u00e9stamos.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/\" \/>\n<meta property=\"og:site_name\" content=\"Prime Action Consulting\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-01T16:00:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-30T22:21:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.caixabankresearch.com\/sites\/default\/files\/styles\/share\/public\/content\/image\/2020\/01\/24\/34529\/consumo-credito.jpg?itok=h1kaw0MV\" \/>\n<meta name=\"author\" content=\"primeactionmx\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.caixabankresearch.com\/sites\/default\/files\/styles\/share\/public\/content\/image\/2020\/01\/24\/34529\/consumo-credito.jpg?itok=h1kaw0MV\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"primeactionmx\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cr\u00e9dito al consumo ya muestra crecimiento, excepto el automotriz · Prime Action Consulting","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/","og_locale":"es_ES","og_type":"article","og_title":"Cr\u00e9dito al consumo ya muestra crecimiento, excepto el automotriz · Prime Action Consulting","og_description":"Crecimiento del empleo formal ha contribuido a mejorar el desempe\u00f1o de la mayor\u00eda de las categor\u00edas de este tipo de pr\u00e9stamos.","og_url":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/","og_site_name":"Prime Action Consulting","article_published_time":"2022-06-01T16:00:12+00:00","article_modified_time":"2022-06-30T22:21:29+00:00","og_image":[{"url":"https:\/\/www.caixabankresearch.com\/sites\/default\/files\/styles\/share\/public\/content\/image\/2020\/01\/24\/34529\/consumo-credito.jpg?itok=h1kaw0MV","type":"","width":"","height":""}],"author":"primeactionmx","twitter_card":"summary_large_image","twitter_image":"https:\/\/www.caixabankresearch.com\/sites\/default\/files\/styles\/share\/public\/content\/image\/2020\/01\/24\/34529\/consumo-credito.jpg?itok=h1kaw0MV","twitter_misc":{"Escrito por":"primeactionmx","Tiempo de lectura":"4 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/#article","isPartOf":{"@id":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/"},"author":{"name":"primeactionmx","@id":"https:\/\/backup.primeaction.com\/sp\/#\/schema\/person\/12b4e201995201db2de1bc5b99533471"},"headline":"Cr\u00e9dito al consumo ya muestra crecimiento, excepto el automotriz","datePublished":"2022-06-01T16:00:12+00:00","dateModified":"2022-06-30T22:21:29+00:00","mainEntityOfPage":{"@id":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/"},"wordCount":732,"publisher":{"@id":"https:\/\/backup.primeaction.com\/sp\/#organization"},"image":{"@id":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/#primaryimage"},"thumbnailUrl":"https:\/\/www.caixabankresearch.com\/sites\/default\/files\/styles\/share\/public\/content\/image\/2020\/01\/24\/34529\/consumo-credito.jpg?itok=h1kaw0MV","articleSection":["Post Minorista"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/","url":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/","name":"Cr\u00e9dito al consumo ya muestra crecimiento, excepto el automotriz · Prime Action Consulting","isPartOf":{"@id":"https:\/\/backup.primeaction.com\/sp\/#website"},"primaryImageOfPage":{"@id":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/#primaryimage"},"image":{"@id":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/#primaryimage"},"thumbnailUrl":"https:\/\/www.caixabankresearch.com\/sites\/default\/files\/styles\/share\/public\/content\/image\/2020\/01\/24\/34529\/consumo-credito.jpg?itok=h1kaw0MV","datePublished":"2022-06-01T16:00:12+00:00","dateModified":"2022-06-30T22:21:29+00:00","breadcrumb":{"@id":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/#primaryimage","url":"https:\/\/www.caixabankresearch.com\/sites\/default\/files\/styles\/share\/public\/content\/image\/2020\/01\/24\/34529\/consumo-credito.jpg?itok=h1kaw0MV","contentUrl":"https:\/\/www.caixabankresearch.com\/sites\/default\/files\/styles\/share\/public\/content\/image\/2020\/01\/24\/34529\/consumo-credito.jpg?itok=h1kaw0MV","width":"1200","height":"630","caption":"Cr\u00e9dito al consumo ya muestra crecimiento, excepto el automotriz"},{"@type":"BreadcrumbList","@id":"https:\/\/backup.primeaction.com\/sp\/credito-al-consumo-ya-muestra-crecimiento-excepto-el-automotriz\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/backup.primeaction.com\/sp\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9dito al consumo ya muestra crecimiento, excepto el automotriz"}]},{"@type":"WebSite","@id":"https:\/\/backup.primeaction.com\/sp\/#website","url":"https:\/\/backup.primeaction.com\/sp\/","name":"Prime Action Consulting","description":"Consultoria Especializada em Canais","publisher":{"@id":"https:\/\/backup.primeaction.com\/sp\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/backup.primeaction.com\/sp\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/backup.primeaction.com\/sp\/#organization","name":"Prime Action Consulting","url":"https:\/\/backup.primeaction.com\/sp\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/backup.primeaction.com\/sp\/#\/schema\/logo\/image\/","url":"https:\/\/backup.primeaction.com\/sp\/wp-content\/uploads\/sites\/8\/2019\/11\/logo-horiz-01-transp-2.png","contentUrl":"https:\/\/backup.primeaction.com\/sp\/wp-content\/uploads\/sites\/8\/2019\/11\/logo-horiz-01-transp-2.png","width":400,"height":185,"caption":"Prime Action Consulting"},"image":{"@id":"https:\/\/backup.primeaction.com\/sp\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/backup.primeaction.com\/sp\/#\/schema\/person\/12b4e201995201db2de1bc5b99533471","name":"primeactionmx","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/19d334fbde47ddf970c0d3392d592bcaec217ee5e078358913a249e212d2899f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/19d334fbde47ddf970c0d3392d592bcaec217ee5e078358913a249e212d2899f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/19d334fbde47ddf970c0d3392d592bcaec217ee5e078358913a249e212d2899f?s=96&d=mm&r=g","caption":"primeactionmx"},"url":"https:\/\/backup.primeaction.com\/sp\/author\/primeactionmx\/"}]}},"_links":{"self":[{"href":"https:\/\/backup.primeaction.com\/sp\/wp-json\/wp\/v2\/posts\/15516","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/backup.primeaction.com\/sp\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/backup.primeaction.com\/sp\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/backup.primeaction.com\/sp\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/backup.primeaction.com\/sp\/wp-json\/wp\/v2\/comments?post=15516"}],"version-history":[{"count":1,"href":"https:\/\/backup.primeaction.com\/sp\/wp-json\/wp\/v2\/posts\/15516\/revisions"}],"predecessor-version":[{"id":15518,"href":"https:\/\/backup.primeaction.com\/sp\/wp-json\/wp\/v2\/posts\/15516\/revisions\/15518"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/backup.primeaction.com\/sp\/wp-json\/wp\/v2\/media\/15519"}],"wp:attachment":[{"href":"https:\/\/backup.primeaction.com\/sp\/wp-json\/wp\/v2\/media?parent=15516"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/backup.primeaction.com\/sp\/wp-json\/wp\/v2\/categories?post=15516"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/backup.primeaction.com\/sp\/wp-json\/wp\/v2\/tags?post=15516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}