Opinión de la Cámara Argentina de Comercio sobre el proyecto de modificación de la Ley de Entidades Financieras

La Cámara Argentina de Comercio participó hoy de la reunión de la Comisión de Finanzas de la Cámara de Diputados de la Nación para manifestar su opinión con respecto a la modificación de la Ley 21.526 -base del sistema financiero de nuestro país- en representación del sector de Comercio y Servicios de todo el país.

Representaron a la Entidad, Alberto Grimoldi, Vicepresidente II de la CAC; Fernando Nandin, Director de Ribeiro S.A. y Gabriel Molteni, Economista Jefe de la Entidad.

La CAC expresó que coincide con el objetivo general de promover el desarrollo del sistema financiero de manera que permita movilizar los ahorros de la población para financiar la inversión productiva, la ampliación de infraestructura social y el consumo.

Cabe destacar, que la Argentina tiene un mercado financiero donde el crédito al sector privado representa apenas el 11% del PBI y la capitalización bursátil poco más del 15% del PBI, consecuencia de la baja bancarización de la economía -el total de depósitos del sistema bancario está por debajo del 25% del PBI. En otros países, como México, Brasil o Perú, tanto el crédito como la capitalización bursátil están por encima del 40% del PBI y, para el caso de Chile, estas cifras ascienden al 60% y 90%, respectivamente. En Estados Unidos o Gran Bretaña, el nivel de crédito al sector privado supera el 100% del PBI y la capitalización financiera está por encima del 60% del PIB. Es más, si consideramos que en nuestro país más del 50% de los depósitos a plazo son colocados a menos de 60 días, no es de extrañar que exista escasez del crédito a largo plazo.

RECUPERAR LA CONFIANZA DEL SISTEMA FINANCIERO

Por ello, la preocupación principal no debería estar puesta en qué se debe hacer con los pocos depósitos del actual sistema, sino en cómo lograr incentivar el ahorro y su canalización por los sistemas institucionalizados -mercado financiero y mercado de capitales. A tal fin, la Cámara de Comercio considera importante apoyar todas aquellas medidas que tengan como objetivo recuperar y promover la confianza en el sistema financiero argentino.

Asimismo, es importante lograr una reducción en los costos transaccionales, como es el caso de la distorsión generada por el Impuesto a los Débitos y Créditos en cuenta corriente, los Impuestos de Sellos e Ingresos Brutos, además del tratamiento desigual de IVA sobre intereses para los consumidores.

NECESIDAD DE UNA SUPERVISION ROBUSTA QUE DEFIENDA A LOS USUARIOS

Una regulación moderna del sistema financiero debería promover una supervisión eficiente y robusta de las entidades financieras, que busque hacerla transparente e incorporar los mercados informales; debería defender a los usuarios del sistema, permitir administrar las crisis financieras y mejorar los estándares regulatorios de acuerdo a los niveles internacionales.

En este sentido, la Cámara Argentina de Comercio considera que las modificaciones propuestas al régimen legal vigente, en algunos aspectos, representarían avances importantes, pero en otros podrían generar obstáculos o incluso ir en contra de los objetivos antes mencionados.

DISCRIMINACION DEL SECTOR DE COMERCIO Y SERVICIOS: EL MAYOR EMPLEADOR

En principio, la CAC destaca que se discrimina explícitamente al Sector de Comercio y Servicios, cuando se lo deja fuera de la lista de actividades específicas a promocionar para alcanzar el objetivo de promover el desarrollo económico y social.

Debe tenerse en cuenta además, que la actividad abarca también otros sectores como Transporte, Almacenamiento, Logística, Comunicaciones, Hoteles y Restaurantes, Servicios Turísticos, Actividades Inmobiliarias, Servicios Empresariales, Servicios de Salud, Educación, Investigación y Ciencia, entre otros. Es el sector que:

a) Representa el 68% del PBI del país.
b) Representa el 65% del empleo registrado privado. Sólo el Comercio, según datos del Ministerio de Trabajo en relación a los empleados incluidos en el Convenio Colectivo 130/75, representa el 18% del total de trabajadores registrados en el sector privado, es decir, 1 de cada 5 trabajadores en todo el país.
c) Mayor contribución realiza a las finanzas de la administración nacional, provinciales y municipales -recaudación por impuesto a las Ganancias, IVA, aportes patronales, impuesto a los Ingresos Brutos y tasas de seguridad e higiene municipales. Esto se debe a que es éste sector el que mayor carga tributaria enfrenta en el país -según lo destaca un estudio del Instituto Argentino de Análisis Fiscal (IARAF).
d) Recibe en mayor medida la competencia desleal de la venta ilegal, el contrabando y la piratería.
e) Sufre, en general, discriminación en todas las leyes de promoción de inversiones, como por ejemplo la Ley N° 26.360 (con la sola excepción del sector del software).
ASPECTOS POSITIVOS DE LAS PROPUESTAS: DESARROLLO FEDERAL

La CAC destaca y apoya las iniciativas que buscan promover la bancarización:

La provisión de ‘servicios básicos o esenciales’ por parte de las entidades financieras sobre la base de condiciones homogéneas y comunes, y que fomenten la competencia y aseguren el bajo costo de los mismos -como se acaba de avanzar recientemente por un acuerdo con las entidades bancarias.

La promoción del uso de medios electrónicos y el débito directo para el pago de gastos de consumo, servicios e impuestos, a través de beneficios fiscales.

La creación de un sistema especial de ahorro bancario para personas menores de edad.

Apoya las medidas que promuevan el desarrollo federal del sistema financiero:

La delegación de determinadas operatorias financieras de pago, ahorro y crédito en corresponsalías bancarias.

La habilitación de sucursales temporarias para ciertos lugares en determinados períodos del año.

PROTECCION DE LOS DERECHOS DE LOS USUARIOS

La CAC apoya la protección de los intereses y derechos de los usuarios de servicios financieros:

La creación de una Defensoría del usuario de servicios financieros, para su defensa y protección frente a los hechos, actos u omisiones de las entidades financieras.

La obligatoriedad de contar con un Departamento de atención al cliente para la recepción y resolución de reclamos.

La elaboración conjunta de un Código de buenas prácticas financieras.

La promoción de información clara y transparente, mediante la estandarización de la forma en que deben explicitarse y comunicarse ofertas de créditos, y tasas o importes de intereses para promover el ahorro.

Apoya la promoción de la competencia, la transparencia y la confianza en el sistema financiero:

El monitoreo del nivel de concentración en las distintas operatorias de la actividad financiera y de las barreras de entrada al negocio, con el fin de evitar prácticas oligopólicas.

La prevención y el control del lavado de activos como así también el financiamiento del terrorismo y la delincuencia.

La promoción de información actualizada de los participantes en el sistema financiero de modo de reducir los problemas de información asimétrica y riesgo moral, que permita reducir los costos e incrementar el acceso al crédito.

La creación del Fondo de garantía de los depósitos, con el objeto de cubrir los riesgos de los depósitos bancarios en entidades financieras.

ASPECTOS QUE GENERAN DUDAS CON RESPECTO AL IMPACTO FINAL

Sin embargo, algunos considerandos generan ciertas dudas. La CAC considera que la modificación a la Ley de entidades financieras debe darle prioridad a la institucionalidad y estabilidad de la norma, y debe dejar algunas precisiones de la regulación (participación en el mercado, crédito y tasas de interés) al ámbito correspondiente -que en este caso es el del Banco Central de la República Argentina.

La CAC plantea sus dudas con respecto al impacto que pueden llegar a tener las siguientes iniciativas:

a) Aunque es cierto que el sistema financiero es claramente un servicio de ‘interés público’, la CAC manifiesta que no es conveniente declarar al mismo como ‘servicio público’ -convirtiendo a la banca en una «concesión» del Estado. Pero sí le corresponde al Estado la regulación del sistema financiero a través del Banco Central de la República Argentina. La declaración de servicio público podría atentar contra la promoción de la confianza en el sistema financiero argentino, incrementando costos, reduciendo depósitos y afectando la disponibilidad de crédito.

b) Si bien se debe promover siempre una mayor competencia en el mercado y evitar prácticas monopólicas u oligopólicas, la CAC entiende que no es éste el caso del sistema financiero -con una fuerte presencia de la banca pública. En todo caso, sería necesario precisar los criterios y la fundamentación para definir las restricciones -por ejemplo, de que ningún banco pueda exceder el 8% del mercado, cuestión que debería quedar en manos del Banco Central -como se mencionó anteriormente. Es importante evitar desincentivar el crecimiento y las inversiones de las entidades más exitosas y competitivas, para no frenar el crecimiento. Esto no implica que no se deba regular el sistema para resguardar la competencia.

c) Dado que la CAC apoya firmemente la necesidad de un mayor acceso al sistema por parte de las PyMEs, es necesario realizar un análisis técnico de las propuestas de fijación de un porcentaje de la cartera de créditos o de un techo a las tasas de interés, para evitar que se produzca el efecto contrario. Por ejemplo, evitar que las empresas cuyo riesgo de crédito supere en 5% al promedio del sistema queden automáticamente desplazadas al mercado informal de crédito. Por otra parte, es necesario promover la especialización de la banca, que al final redundará en una mayor experiencia, conocimiento, economías externas y consecuentemente menores costos y precios de los servicios.

d) Sin bien es necesario el desarrollo federal del sistema, genera dudas el impacto que la creación de un Fondo Compensador pueda tener, ya que podría incrementar los costos que deben enfrentar los usuarios del sistema, atentando contra una mayor bancarización.

e) Con respecto al Fondo de garantía de depósitos, como la prioridad debe ser el resguardo de los depositantes, sus recursos deberían ser absolutamente indisponibles para cualquier otra finalidad que no sea la antes mencionada.

f) Finalmente, las condiciones específicas de regulación de la banca extranjera debería ser determinada por el Banco Central, pero en ningún caso se debería desincentivar o afectar la inversión extranjera, respetando los acuerdos sobre servicios financieros en el marco del Mercosur o posibles futuros acuerdos bilaterales.

Entendiendo que el marco legal de la actividad financiera en Argentina debe dar prioridad a recuperar la confianza, incrementar la bancarización, incentivar el ahorro y su canalización por los sistemas institucionalizados, con el fin último de impulsar el crecimiento sostenido de la producción y el empleo, promoviendo la inclusión social, la Entidad aspira a que su opinión y sugerencias sean incorporadas a este debate.

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