{"id":11572,"date":"2018-06-25T14:22:03","date_gmt":"2018-06-25T14:22:03","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=11572\/"},"modified":"2018-09-11T10:13:36","modified_gmt":"2018-09-11T10:13:36","slug":"sandbox-regulatorio-en-america-latina-y-el-caribe-alc-para-el-ecosistema-fintech-y-el-sistema-financiero","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/sandbox-regulatorio-en-america-latina-y-el-caribe-alc-para-el-ecosistema-fintech-y-el-sistema-financiero\/","title":{"rendered":"Sandbox Regulatorio en Am\u00e9rica Latina y el Caribe para el ecosistema FinTech y el sistema financiero"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/11572?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=\"Ver PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/11572?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=\"Imprimir contenido\" \/><\/a><\/div><p>El pasado mes de marzo se hizo p\u00fablico el estudio elaborado por el BID \u201cSandbox Regulatorio en Am\u00e9rica Latina y el Caribe (ALC) para el ecosistema FinTech y el sistema financiero\u201d. En el documento se exponen las principales caracter\u00edsticas de los Sandboxes o Bancos de Pruebas Regulatorios que pretenden afrontar los retos derivados del desarrollo en la industria fintech en ALC.<\/p>\n<p>La industria Fintech ha crecido significativamente en la Regi\u00f3n y constituye una alternativa para mejorar los niveles de inclusi\u00f3n financiera de ALC. Sin embargo, las innovaciones tecnol\u00f3gicas plantean numerosos desaf\u00edos para reguladores y supervisores financieros. Ante este panorama, los Sandboxes regulatorios facilitar\u00edan la situaci\u00f3n ofreciendo a empresas innovadoras la posibilidad de operar en el mercado durante un tiempo limitado, por un lado; y a los supervisores y reguladores conocer el funcionamiento de nuevos sectores en este entorno de prueba, por otro.<\/p>\n<p>El aspecto m\u00e1s complicado que presentan los Sandboxes es el equilibro entre el fomento de la innovaci\u00f3n y la protecci\u00f3n de los intereses de todos los agentes en el marco de un sistema financiero estable. En este sentido, el BID propone en su publicaci\u00f3n una serie de recomendaciones para el adecuado establecimiento de estas plataformas.<\/p>\n<p>La premisa necesaria para la implantaci\u00f3n de los Bancos de Pruebas Regulatorios es la existencia de un marco jur\u00eddico que permita su creaci\u00f3n y regule aspectos como los requisitos legales necesarios, la duraci\u00f3n de los mismos (el BID recomienda 6 meses prorrogables), o la informaci\u00f3n que ha de presentarse al supervisor, entre otros.<\/p>\n<p>Adicionalmente, el BID destaca la capacidad institucional requerida en la que exista una estructura organizativa y medios \u2013tanto t\u00e9cnicos como humanos- para hacer posible la existencia de estos sandboxes, la coordinaci\u00f3n interinstitucional y la existencia de mecanismos de supervisi\u00f3n transparentes, adem\u00e1s de una convergencia regulatoria que elimine barreras entre los diferentes mercados. Una vez finalizado el Banco de Pruebas, se podr\u00eda evaluar si es necesario regular el sector y, en caso afirmativo, analizar el modelo que mejor se adaptara a las singularidades de aquel.<\/p>\n<p>El BID completa su estudio destacando otro tipo de recomendaciones referidas a las pol\u00edticas de innovaci\u00f3n. Los incentivos fiscales y las ayudas al financiamiento, el asesoramiento t\u00e9cnico y jur\u00eddico, la creaci\u00f3n de programas de incubaci\u00f3n o la convocatoria de concursos de emprendimiento, entre otras, ser\u00edan el apoyo gubernamental id\u00f3neo para lograr un progreso real de los sectores innovadores promoviendo en consecuencia, la inclusi\u00f3n financiera de ALC.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El pasado mes de marzo se hizo p\u00fablico el estudio elaborado por el BID \u201cSandbox Regulatorio en Am\u00e9rica Latina y el Caribe (ALC) para el ecosistema FinTech y el sistema financiero\u201d. En el documento se exponen las principales caracter\u00edsticas de los Sandboxes o Bancos de Pruebas Regulatorios que pretenden afrontar los retos derivados del desarrollo [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":11575,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"class_list":["post-11572","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","numero-15m","seccion-documentos-de-interes-microfinanzas"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sandbox Regulatorio en Am\u00e9rica Latina y el Caribe para el ecosistema FinTech y el sistema financiero<\/title>\n<meta name=\"description\" content=\"Sandbox Regulatorio en Am\u00e9rica Latina y el Caribe para el ecosistema FinTech y el sistema financiero\" \/>\n<meta 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