Santo Domingo, Rep. Dom. Marzo 3, 2021.- La implementación de Fondos de Garantía representa un mecanismo de impulso al crédito bancario, principalmente para sectores como las micro, pequeñas y medianas empresas (MIPYMES), en momentos en que debe ser prioridad, junto a la salud, la preservación de empresas y puestos de trabajo.
Así afirmó la Asociación de Bancos Múltiples de la República Dominicana (ABA), tras destacar la importancia de aunar esfuerzos con las autoridades para lograr el diseño e implementación de ese tipo de esquemas, con los cuales estos sectores productivos podrían conseguir mejores condiciones financieras en los bancos, en términos de tasas de interés y plazos.
En ese sentido, la presidenta de la ABA, licenciada Rosanna Ruiz, afirmó el impulso de un modelo de riesgo compartido entre los sectores público y privado (garantías parciales), lo cual mitiga el riesgo moral.
“El gran mérito que presentan Fondos de Garantías es que logran reducir el riesgo de crédito (riesgo de incumplimiento de pagos) inherente a toda operación crediticia y se desprende una serie de beneficios. Para el deudor significa menor garantía requerida, mejores condiciones crediticias (tasas, plazos, etc.) y para el acreedor, menores provisiones”, señaló.
Asimismo, la presidenta de ABA sostuvo que los Fondos de Garantía deben funcionar acorde a las mejores prácticas internacionales como son una gestión con autonomía, especialización, y autosostenibilidad.
En un documento de prensa, señaló que “en medio de la actual crisis provocada por la COVID-19, el financiamiento a estas empresas se vuelve más crucial que nunca para reactivar las actividades de las MIPYMES dominicanas”, gran parte de las cuales cerró operaciones durante la pandemia y más del 50% ha señalado requiere financiamiento, según datos oficiales.
Reiteró que, en ese difícil contexto, la banca ha adoptado una serie de facilidades que han permitido mantener el flujo de crédito hacia las MIPYMES, con base a las facilidades de liquidez otorgadas por el Banco Central. Durante 2020, el crédito de los bancos múltiples dirigido a este sector aumentó en más de RD$23 mil millones, lo que equivale a una variación anual de 10% con respecto a 2019.
Sin embargo, la representante del gremio que congrega al sector bancario nacional, advirtió que el financiamiento a las MIPYMES sigue siendo insuficiente ya que, si bien entre 2013 y 2020, su participación en el crédito comercial aumentó de 34.6% a 38.9%, se precisa de un mayor flujo de financiamiento para estas empresas que representan el 98.1% del tejido empresarial a nivel nacional.
Sobre los Fondos de Garantía para el Crédito
Los Fondos de Garantía para el Crédito (FGC), son mecanismos a través de los cuales una tercera parte, externa a la transacción, conocida como el garante, promete pagar al acreedor (las Entidades de Intermediación Financiera (EIF) todo, o parte del crédito, si el deudor cae en incumplimiento de sus obligaciones.
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