{"id":4902,"date":"2016-06-08T15:28:41","date_gmt":"2016-06-08T15:28:41","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=4902"},"modified":"2017-11-28T17:22:14","modified_gmt":"2017-11-28T17:22:14","slug":"financial-regulations-for-improving-financial-inclusion","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/financial-regulations-for-improving-financial-inclusion\/","title":{"rendered":"Financial Regulations for Improving Financial Inclusion"},"content":{"rendered":"
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El presente documento de <\/span>Center for Global Development<\/span><\/i>, se centra en el papel de la regulaci\u00f3n en el proceso de inclusi\u00f3n financiera. Resalta los grandes avances conseguidos, gracias, principalmente, a la revoluci\u00f3n digital -que ha permitido el desarrollo de nuevos servicios y canales financieros-, y a la adopci\u00f3n de una regulaci\u00f3n adecuada y adaptada a las caracter\u00edsticas y necesidades de cada pa\u00eds. Matiza que una regulaci\u00f3n inadecuada es uno de los mayores obst\u00e1culos para la inclusi\u00f3n financiera.<\/span><\/p>\n

El objeto del informe es analizar los factores regulatorios que influyen en la efectividad de una regulaci\u00f3n financiera inclusiva y recomendar ciertas pr\u00e1cticas para el dise\u00f1o de la misma.<\/span><\/p>\n

El documento considera que las pol\u00edticas p\u00fablicas y las regulaciones tienen que ser lo suficientemente flexibles como para asegurar que, de un lado, el sistema financiero sea eficiente y, de otro, \u00a0proteja al consumidor. Dise\u00f1ar una regulaci\u00f3n efectiva, sobre todo para las finanzas digitales, supone un reto.<\/span><\/p>\n

Para realizar las recomendaciones, se parte de tres principios-gu\u00eda, com\u00fanmente utilizados para dise\u00f1ar una regulaci\u00f3n inclusiva:<\/span><\/p>\n

    \n
  1. \u00a0\u00a0<\/span> \u201cMisma regulaci\u00f3n para las mismas funciones\u201d, es decir, que los servicios financieros con las mismas funciones sean tratados de la misma manera, con independencia de la forma jur\u00eddica del proveedor de los servicios.<\/span><\/li>\n
  2. \u00a0\u00a0<\/span> \u201cRegulaci\u00f3n en funci\u00f3n del riesgo\u201d, es decir, que la rigidez de los requisitos legales est\u00e9 en funci\u00f3n del riesgo que se pretenda cubrir, tanto para los individuos, como para la estabilidad e integridad del sistema financiero.<\/span><\/li>\n
  3. \u00a0\u00a0<\/span> \u201cEquilibrio entre la regulaci\u00f3n <\/span>ex ante<\/span><\/i> y <\/span>ex post\u201d, <\/span><\/i>es decir, que exista un equilibrio entre establecer ciertas reglas previas (<\/span>ex ante<\/span><\/i>) y recurrir a regular con posterioridad (<\/span>ex post<\/span><\/i>) un determinado problema o fallo del mercado.<\/span><\/li>\n<\/ol>\n

    De estos principios resultan 26 recomendaciones que se enmarcan en estas tres categor\u00edas:<\/span><\/p>\n

    (i) \u00a0\u00a0\u00a0<\/span>Fomento de la competencia<\/b>: Un mercado abierto a la competencia promueve la variedad de productos y servicios, mayor eficiencia, reducci\u00f3n de costos, etc., que facilitan la inclusi\u00f3n financiera. \u00a0El objeto de las pol\u00edticas que regulan la competencia es permitir e incentivar a los nuevos actores su entrada en el mercado.
    \n<\/span><\/p>\n

    (ii) \u00a0\u00a0<\/span>Marco de igualdad <\/b>en los servicios financieros (<\/span>\u201cleveling the playing field\u201d<\/span><\/i>), es decir, que los servicios con las mismas funciones sean regulados de la misma forma, siempre que supongan un riesgo similar para los consumidores o para el sistema financiero. Un marco de igualdad en este sentido es fundamental para asegurar que todos los proveedores compiten en igualdad de condiciones. <\/span><\/p>\n

    (iii) \u00a0\u00a0<\/span>Normas \u201cConoce a tu Cliente<\/b>\u201d (KYC, Know Your Client<\/em>): normas necesarias para preservar la integridad del sistema financiero y, en particular, para combatir el lavado de dinero y la \u00a0financiaci\u00f3n al terrorismo. Las normas \u00a0KYC son importantes para la inclusi\u00f3n financiera ya que cuando las instituciones conocen qui\u00e9n es su cliente, pueden adaptar su oferta de \u00a0productos y servicios a sus caracter\u00edsticas y necesidades.<\/span><\/p>\n

    Finalmente, el informe recoge otras 5 recomendaciones relacionadas con los nuevos sistemas de pago para cantidades peque\u00f1as, como <\/span>por ejemplo, <\/span>el dinero m\u00f3vil .<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    El presente documento de Center for Global Development, se centra en el papel de la regulaci\u00f3n en el proceso de inclusi\u00f3n financiera. Resalta los grandes avances conseguidos, gracias, principalmente, a la revoluci\u00f3n digital -que ha permitido el desarrollo de nuevos servicios y canales financieros-, y a la adopci\u00f3n de una regulaci\u00f3n adecuada y adaptada a […]<\/p>\n","protected":false},"author":30,"featured_media":9618,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[114,1045,1043,1044,1042,682],"class_list":["post-4902","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-inclusion-financiera","tag-center-for-global-development","tag-conoce-a-tu-cliente","tag-kyc","tag-mercado-de-la-competencia","tag-regulacion","numero-7m","seccion-documentos-de-interes-microfinanzas"],"acf":[],"yoast_head":"\nFinancial Regulations for Improving Financial Inclusion<\/title>\n<meta name=\"description\" content=\"Informe de Global Center for Development que analiza los factores 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