¿Qué es lo que se decide?: Banco Central entregará esta tarde los resultados de su primera Reunión de Política Financiera

El martes 17 de mayo se realizó la primera Reunión de Política Financiera del Banco Central. El objetivo era determinar el Requerimiento del Capital Contracíclico (RCC).

En declaraciones a Emol, Francisco Simian, economista jefe de Altafid, detalla que el RCC "es un requerimiento adicional de capital para los bancos que tiene como objetivo proteger al sistema de los efectos de los ciclos financieros. Puede ir entre cero y 2,5% de los activos totales ponderados por riesgo".

"Se introduce como parte del marco regulador mundial del sistema bancario conocido como Basilea III -Comité de Supervisión Bancaria de Basilea-, que surge como respuesta a la crisis financiera de 2008", agregó.

Además, explicó que con esta medida "se busca que los bancos cuenten con capital extra para poder sobrellevar la parte baja del ciclo financiero. Si el crédito se ha expandido de manera considerable, una caída en la actividad económica puede llevar a que se materialicen riesgos de pérdidas. La idea del capital contra-cíclico es que actúe como un 'colchón', permitiendo a los bancos absorber esas pérdidas sin poner en riesgo su funcionamiento".

Asimismo, resaltó que "el RCC ayuda a contener la generación de crédito en la parte expansiva del ciclo, evitando la generación de desequilibrios que luego podrían golpear la solvencia de uno o más bancos", algo que podría, eventualmente, afectar a todas las personas.

Related authors: Francisco Simian

Full article: https://www.emol.com/noticias/Economia/2022/05/17/1061233/banco-central-reunion-politica-financiera.html

Media: Emol.com

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