{"id":20001,"date":"2022-06-02T15:53:05","date_gmt":"2022-06-02T15:53:05","guid":{"rendered":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/reactivacion-crediticia-sostenible\/"},"modified":"2022-06-02T15:56:45","modified_gmt":"2022-06-02T15:56:45","slug":"reactivacion-crediticia-sostenible","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/reactivacion-crediticia-sostenible\/","title":{"rendered":"Reactivaci\u00f3n crediticia sostenible"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/20001?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"View PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/20001?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><\/a><\/div><p>A finales del mes de abril la Superintendencia Financiera de Colombia (SFC) expidi\u00f3 la Circular Externa 009 de 2022 con el fin de promover la reactivaci\u00f3n crediticia de manera sostenible mediante el acceso al cr\u00e9dito de los deudores y diferentes sectores de la econom\u00eda que tengan obligaciones castigadas.<\/p>\n<p>La pandemia signific\u00f3 un importante retroceso en materia econ\u00f3mica y de desarrollo a nivel mundial, aumentando con\u00a0 aspectos como la desigualdad, la econom\u00eda informal y la pobreza extrema, entre otros. Por este motivo, la reactivaci\u00f3n econ\u00f3mica constituye, para el Gobierno Colombiano, una de sus mayores prioridades, debiendo darse de manera sostenible, y aunando los esfuerzos del sector privado y del p\u00fablico.<\/p>\n<p>En tal sentido, la participaci\u00f3n de las entidades financieras de cara a los consumidores es muy relevante, siendo destacable el compromiso de la banca de incorporar las nuevas instrucciones en materia de cr\u00e9dito que contribuyan a la reactivaci\u00f3n econ\u00f3mica sostenible.<\/p>\n<h4><b>Nuevas instrucciones<\/b><\/h4>\n<p>Entre las nuevas instrucciones impartidas, destacan:<\/p>\n<ul>\n<li>Los establecimientos de cr\u00e9dito, de acuerdo con su apetito de riesgo, deber\u00e1n establecer pol\u00edticas para el otorgamiento y calificaci\u00f3n de los nuevos cr\u00e9ditos otorgados a deudores con obligaciones castigadas.<\/li>\n<li>Seg\u00fan se establece, cuando se otorguen nuevos cr\u00e9ditos a deudores con obligaciones castigadas, estos no ser\u00e1n considerados como deudores incumplidos, siendo una excepci\u00f3n a la regla de alineamiento.<\/li>\n<li>La Circular modifica las reglas sobre calificaci\u00f3n y recalificaci\u00f3n de deudores, posibilitando a los establecimientos de cr\u00e9dito establecer variables de riesgo adicionales, como por ejemplo: preexistencia de cr\u00e9ditos castigados, monto y antig\u00fcedad del castigo, o si el cr\u00e9dito fue recuperado o no.<\/li>\n<li>Se deben implementar procedimientos especiales para la gesti\u00f3n y seguimiento de estos deudores, estando en cabeza de los establecimientos de cr\u00e9dito remitir a la Superintendencia Financiera de Colombia el an\u00e1lisis de su comportamiento, aspecto sujeto a reglamentaci\u00f3n.<\/li>\n<li>Se realiza un cambio en la clasificaci\u00f3n de cr\u00e9ditos de mejoramiento de vivienda por parte de los establecimientos de cr\u00e9dito, los cuales pasan de clasificarse como \u201cconsumo\u201d a \u201cvivienda\u201d.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>A finales del mes de abril la Superintendencia Financiera de Colombia (SFC) expidi\u00f3 la Circular Externa 009 de 2022 con el fin de promover la reactivaci\u00f3n crediticia de manera sostenible mediante el acceso al cr\u00e9dito de los deudores y diferentes sectores de la econom\u00eda que tengan obligaciones castigadas. La pandemia signific\u00f3 un importante retroceso en [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":19998,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[6116,6149,6150,6151,6152,5191,6153],"class_list":["post-20001","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-credito-en","tag-apetito-de-riesgo-en","tag-nuevos-creditos-en","tag-obligaciones-castigadas-en","tag-reactivacion-crediticia-sostenible-en","tag-reactivacion-economica-en","tag-variables-de-riesgo-en","numero-28m-en-2","seccion-published-and-draft-legislation-microfinance","pais-colombia-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Reactivaci\u00f3n crediticia sostenible<\/title>\n<meta name=\"description\" content=\"Circular Externa 009 de 2022 que promueve 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