{"id":8457,"date":"2024-04-03T00:16:00","date_gmt":"2024-04-03T03:16:00","guid":{"rendered":"https:\/\/ax.ar\/garantech\/?p=8457"},"modified":"2024-04-03T09:22:25","modified_gmt":"2024-04-03T12:22:25","slug":"desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes","status":"publish","type":"post","link":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/","title":{"rendered":"Desde abril quedan desreguladas las tasas de cr\u00e9ditos para Pymes"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">El Banco Central (BCRA) estableci\u00f3 un sistema de incentivos para<strong> fomentar el financiamiento a las MiPyMEs<\/strong>, que prev\u00e9 la liberaci\u00f3n de las tasas y obliga a cubrir un monto m\u00ednimo para acceder a los beneficios de encajes que se prev\u00e9 como contraprestaci\u00f3n a los cr\u00e9ditos para el sector.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Este nuevo sistema, en sus condiciones, implica la liberaci\u00f3n de la tasa, que ser\u00e1 pautada entre las partes, y<strong> una medida que busca que los cr\u00e9ditos sean a m\u00e1s largo plazo.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La medida entr\u00f3 en vigencia hoy, primer d\u00eda h\u00e1bil de abril.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Las entidades financieras s\u00f3lo podr\u00e1n beneficiarse de las reducciones de sus requisitos de efectivo m\u00ednimo (encajes) vinculados con la proporci\u00f3n de cr\u00e9ditos a MiPyMEs en la medida que el saldo promedio de estas financiaciones sea de al menos el 7,5% de sus dep\u00f3sitos del sector privado no financiero en pesos, y que al menos el 30% de dicho monto sea destinado a proyectos de inversi\u00f3n a un plazo m\u00ednimo de 24 meses de vida promedio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En forma complementaria se agrega un nuevo incentivo para fomentar pr\u00e9stamos a m\u00e1s largo plazo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esto es as\u00ed porque el Central estableci\u00f3 que<strong> \u201clos financiamientos a proyectos de inversi\u00f3n de MiPyMEs que sean otorgados a un plazo mayor o igual a 36 meses <\/strong>(tres a\u00f1os) de vida promedio permitir\u00e1n a la entidad financiera otorgante reducir, en forma adicional, un 40% del monto del financiamiento de su requisito de efectivo m\u00ednimo\u201d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Desregulaci\u00f3n de las tasas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Asimismo, \u201clas tasas de inter\u00e9s se pactar\u00e1n libremente entre las partes\u201d, detalla el BCRA en el comunicado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esto implica una desregulaci\u00f3n de tasas, en l\u00ednea con la decisi\u00f3n que tom\u00f3 para el rendimiento de los plazos fijo hace apenas unos d\u00edas.<strong> De esta manera, busca alinear las tasas pasivas con las activas.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Y se detalla que, en forma complementaria se agrega un nuevo incentivo para fomentar pr\u00e9stamos a m\u00e1s largo plazo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Los financiamientos a proyectos de inversi\u00f3n de MiPyMEs que sean otorgados a un plazo mayor o igual a 36 meses de vida promedio permitir\u00e1n a la entidad financiera otorgante reducir, en forma adicional, un 40% del monto del financiamiento de su requisito de efectivo m\u00ednimo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si bien es una medida que puede parecer contractiva porque el hecho de desregular la tasa, una fuente del sector bancario indic\u00f3 que \u201c<strong>el tema del cupo es un elemento que pone el tope a las tasas porque los bancos no pueden excederse y aumentarlas en forma desmedida porque, de ese modo, se arriesgar\u00edan a no cubrir el cupo<\/strong>\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Banco Central (BCRA) estableci\u00f3 un sistema de incentivos para fomentar el financiamiento a las MiPyMEs, que prev\u00e9 la liberaci\u00f3n de las tasas y obliga a cubrir un monto m\u00ednimo para acceder a los beneficios de encajes que se prev\u00e9 como contraprestaci\u00f3n a los cr\u00e9ditos para el sector. Este nuevo sistema, en sus condiciones, implica [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":8458,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[],"class_list":["post-8457","post","type-post","status-publish","format-standard","has-post-thumbnail","category-actualidad"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Desde abril quedan desreguladas las tasas de cr\u00e9ditos para Pymes - Mundo Empresas<\/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:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Desde abril quedan desreguladas las tasas de cr\u00e9ditos para Pymes - Mundo Empresas\" \/>\n<meta property=\"og:description\" content=\"El Banco Central (BCRA) estableci\u00f3 un sistema de incentivos para fomentar el financiamiento a las MiPyMEs, que prev\u00e9 la liberaci\u00f3n de las tasas y obliga a cubrir un monto m\u00ednimo para acceder a los beneficios de encajes que se prev\u00e9 como contraprestaci\u00f3n a los cr\u00e9ditos para el sector. Este nuevo sistema, en sus condiciones, implica [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/\" \/>\n<meta property=\"og:site_name\" content=\"Mundo Empresas\" \/>\n<meta property=\"article:published_time\" content=\"2024-04-03T03:16:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-03T12:22:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ax.ar\/garantech\/wp-content\/uploads\/sites\/10\/2024\/04\/banco-central.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"862\" \/>\n\t<meta property=\"og:image:height\" content=\"485\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Redacci\u00f3n Mundo Empresas\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Redacci\u00f3n Mundo Empresas\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\\\/\"},\"author\":{\"name\":\"Redacci\u00f3n Mundo Empresas\",\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/#\\\/schema\\\/person\\\/6ffb8564659b694d0967be678b55ada3\"},\"headline\":\"Desde abril quedan desreguladas las tasas de cr\u00e9ditos para Pymes\",\"datePublished\":\"2024-04-03T03:16:00+00:00\",\"dateModified\":\"2024-04-03T12:22:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\\\/\"},\"wordCount\":454,\"image\":{\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/wp-content\\\/uploads\\\/sites\\\/10\\\/2024\\\/04\\\/banco-central.webp\",\"articleSection\":[\"Actualidad\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\\\/\",\"url\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\\\/\",\"name\":\"Desde abril quedan desreguladas las tasas de cr\u00e9ditos para Pymes - Mundo Empresas\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/wp-content\\\/uploads\\\/sites\\\/10\\\/2024\\\/04\\\/banco-central.webp\",\"datePublished\":\"2024-04-03T03:16:00+00:00\",\"dateModified\":\"2024-04-03T12:22:25+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/#\\\/schema\\\/person\\\/6ffb8564659b694d0967be678b55ada3\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/ax.ar\\\/garantech\\\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\\\/#primaryimage\",\"url\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/wp-content\\\/uploads\\\/sites\\\/10\\\/2024\\\/04\\\/banco-central.webp\",\"contentUrl\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/wp-content\\\/uploads\\\/sites\\\/10\\\/2024\\\/04\\\/banco-central.webp\",\"width\":862,\"height\":485,\"caption\":\"La desregulaci\u00f3n plantea que \\\"las tasas de inter\u00e9s se pactar\u00e1n libremente entre las partes\\\".\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Desde abril quedan desreguladas las tasas de cr\u00e9ditos para Pymes\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/#website\",\"url\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/\",\"name\":\"Mundo Empresas\",\"description\":\"La plataforma de noticias del \u00e1mbito empresarial y emprendedor de Villa Mar\u00eda y la regi\u00f3n.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/#\\\/schema\\\/person\\\/6ffb8564659b694d0967be678b55ada3\",\"name\":\"Redacci\u00f3n Mundo Empresas\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/wp-content\\\/uploads\\\/sites\\\/10\\\/2022\\\/05\\\/favicon.ico\",\"url\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/wp-content\\\/uploads\\\/sites\\\/10\\\/2022\\\/05\\\/favicon.ico\",\"contentUrl\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/wp-content\\\/uploads\\\/sites\\\/10\\\/2022\\\/05\\\/favicon.ico\",\"caption\":\"Redacci\u00f3n Mundo Empresas\"},\"url\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/author\\\/redaccion\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Desde abril quedan desreguladas las tasas de cr\u00e9ditos para Pymes - Mundo Empresas","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:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/","og_locale":"es_ES","og_type":"article","og_title":"Desde abril quedan desreguladas las tasas de cr\u00e9ditos para Pymes - Mundo Empresas","og_description":"El Banco Central (BCRA) estableci\u00f3 un sistema de incentivos para fomentar el financiamiento a las MiPyMEs, que prev\u00e9 la liberaci\u00f3n de las tasas y obliga a cubrir un monto m\u00ednimo para acceder a los beneficios de encajes que se prev\u00e9 como contraprestaci\u00f3n a los cr\u00e9ditos para el sector. Este nuevo sistema, en sus condiciones, implica [&hellip;]","og_url":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/","og_site_name":"Mundo Empresas","article_published_time":"2024-04-03T03:16:00+00:00","article_modified_time":"2024-04-03T12:22:25+00:00","og_image":[{"width":862,"height":485,"url":"https:\/\/ax.ar\/garantech\/wp-content\/uploads\/sites\/10\/2024\/04\/banco-central.webp","type":"image\/webp"}],"author":"Redacci\u00f3n Mundo Empresas","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Redacci\u00f3n Mundo Empresas","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/#article","isPartOf":{"@id":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/"},"author":{"name":"Redacci\u00f3n Mundo Empresas","@id":"https:\/\/ax.ar\/garantech\/#\/schema\/person\/6ffb8564659b694d0967be678b55ada3"},"headline":"Desde abril quedan desreguladas las tasas de cr\u00e9ditos para Pymes","datePublished":"2024-04-03T03:16:00+00:00","dateModified":"2024-04-03T12:22:25+00:00","mainEntityOfPage":{"@id":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/"},"wordCount":454,"image":{"@id":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/#primaryimage"},"thumbnailUrl":"https:\/\/ax.ar\/garantech\/wp-content\/uploads\/sites\/10\/2024\/04\/banco-central.webp","articleSection":["Actualidad"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/","url":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/","name":"Desde abril quedan desreguladas las tasas de cr\u00e9ditos para Pymes - Mundo Empresas","isPartOf":{"@id":"https:\/\/ax.ar\/garantech\/#website"},"primaryImageOfPage":{"@id":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/#primaryimage"},"image":{"@id":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/#primaryimage"},"thumbnailUrl":"https:\/\/ax.ar\/garantech\/wp-content\/uploads\/sites\/10\/2024\/04\/banco-central.webp","datePublished":"2024-04-03T03:16:00+00:00","dateModified":"2024-04-03T12:22:25+00:00","author":{"@id":"https:\/\/ax.ar\/garantech\/#\/schema\/person\/6ffb8564659b694d0967be678b55ada3"},"breadcrumb":{"@id":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/#primaryimage","url":"https:\/\/ax.ar\/garantech\/wp-content\/uploads\/sites\/10\/2024\/04\/banco-central.webp","contentUrl":"https:\/\/ax.ar\/garantech\/wp-content\/uploads\/sites\/10\/2024\/04\/banco-central.webp","width":862,"height":485,"caption":"La desregulaci\u00f3n plantea que \"las tasas de inter\u00e9s se pactar\u00e1n libremente entre las partes\"."},{"@type":"BreadcrumbList","@id":"https:\/\/ax.ar\/garantech\/desde-abril-quedan-desreguladas-las-tasas-de-creditos-para-pymes\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/ax.ar\/garantech\/"},{"@type":"ListItem","position":2,"name":"Desde abril quedan desreguladas las tasas de cr\u00e9ditos para Pymes"}]},{"@type":"WebSite","@id":"https:\/\/ax.ar\/garantech\/#website","url":"https:\/\/ax.ar\/garantech\/","name":"Mundo Empresas","description":"La plataforma de noticias del \u00e1mbito empresarial y emprendedor de Villa Mar\u00eda y la regi\u00f3n.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ax.ar\/garantech\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/ax.ar\/garantech\/#\/schema\/person\/6ffb8564659b694d0967be678b55ada3","name":"Redacci\u00f3n Mundo Empresas","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/ax.ar\/garantech\/wp-content\/uploads\/sites\/10\/2022\/05\/favicon.ico","url":"https:\/\/ax.ar\/garantech\/wp-content\/uploads\/sites\/10\/2022\/05\/favicon.ico","contentUrl":"https:\/\/ax.ar\/garantech\/wp-content\/uploads\/sites\/10\/2022\/05\/favicon.ico","caption":"Redacci\u00f3n Mundo Empresas"},"url":"https:\/\/ax.ar\/garantech\/author\/redaccion\/"}]}},"_links":{"self":[{"href":"https:\/\/ax.ar\/garantech\/wp-json\/wp\/v2\/posts\/8457","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ax.ar\/garantech\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ax.ar\/garantech\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ax.ar\/garantech\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/ax.ar\/garantech\/wp-json\/wp\/v2\/comments?post=8457"}],"version-history":[{"count":0,"href":"https:\/\/ax.ar\/garantech\/wp-json\/wp\/v2\/posts\/8457\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ax.ar\/garantech\/wp-json\/wp\/v2\/media\/8458"}],"wp:attachment":[{"href":"https:\/\/ax.ar\/garantech\/wp-json\/wp\/v2\/media?parent=8457"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ax.ar\/garantech\/wp-json\/wp\/v2\/categories?post=8457"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ax.ar\/garantech\/wp-json\/wp\/v2\/tags?post=8457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}