Santo Domingo, D.N. El presidente de la Asociación Nacional de Empresas e Industrias Herrera (ANEIH), Noel Ureña Ceballos, apoyó el llamado de la Asociación de Bancos Múltiples de la República Dominicana (ABA), de unir esfuerzos para la implementación de Fondos de Garantía dirigidos a impulsar el crédito bancario, en especial hacia las micro, pequeñas y medianas empresas (mipymes).
Afirmó que el Estado debe crear estos Fondos de Garantías porque está comprobado que se trata de un instrumento efectivo que permite ampliar la capacidad de financiamiento de las mipymes a través del sistema financiero, y en todos los países que han logrado desarrollar las mipymes ha sido a través de estos.
No obstante, el dirigente empresarial aclaró que esto no quiere decir que el Gobierno deba ser garante de todos los préstamos que realicen las mipymes, y que además su instrumentación sea al azar, sino que más bien el proceso vaya acompañado de mecanismos de control para que dichos fondos sirvan para apoyar a los sectores que realmente lo necesiten para su desarrollo.
“En la ANEIH estamos de acuerdo con esta línea de pensamiento, y de hecho desde que iniciara la gestión que encabezamos venimos señalando de forma reiterada la importancia de ejecutar este tipo de esquema, a través de los cuales los sectores productivos, y en particular las mipymes, podrían conseguir mejores condiciones financieras en los bancos, en términos de tasas de interés y plazos”, indicó.
El presidente de ANEIH propone que la Junta Monetaria y el Banco Central establezcan un Fondo de Garantía y que instruya a sus técnicos para estudiar la viabilidad de esta propuesta. “Esta es una oportunidad de oro para el destino de fondos poco dinámicos, que pasarían a catapultar la afectada economía pos crisis pandémica. Para permitir financiar a aquellos que por la naturaleza de sus negocios, no califiquen para las exigencias de las instituciones de intermediación financiera”, expresó.
Resaltó que las mipymes necesitan más acceso al financiamiento, ya que de acuerdo a estadísticas proporcionada por la ABA entre 2013 y 2020, la participación en el crédito comercial de las mipymes aumentó de 34.6 % a 38.9 %, en este período, es decir un alza de solo 4.3 %, una muestra de que se necesita un mayor flujo de financiamiento para un sector que representan el 98.1 % del tejido empresarial dominicano.
La ABA que agrupa al sector bancario del país, destacó este jueves la importancia de aunar esfuerzos con las autoridades para lograr el diseño e implementación de ese tipo de esquemas.
Explicaron que los Fondos de Garantías 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.
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