{"id":7953,"date":"2017-09-11T15:39:33","date_gmt":"2017-09-11T15:39:33","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=7953\/"},"modified":"2017-11-23T17:56:25","modified_gmt":"2017-11-23T17:56:25","slug":"reporte-nacional-de-inclusion-financiera","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/reporte-nacional-de-inclusion-financiera\/","title":{"rendered":"Reporte Nacional de Inclusi\u00f3n Financiera"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/7953?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\/7953?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><span style=\"font-weight: 400;\">Con fecha 19 de junio de 2017 la Comisi\u00f3n Nacional Bancaria y de Valores public\u00f3 el Reporte de Inclusi\u00f3n Financiera 8 (RNIF8). Un informe trienal que recoge las conclusiones extra\u00eddas de la Encuesta Nacional de Inclusi\u00f3n Financiera (<\/span><span style=\"font-weight: 400;\">ENIF<\/span><span style=\"font-weight: 400;\">) del segundo trimestre de 2016, respecto al acceso y uso de los distintos servicios y productos financieros.<\/span><\/p>\n<p><b>Perspectiva de g\u00e9nero<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Es la principal novedad del RNIF 8. Esta visi\u00f3n pretende mostrar la importancia de desarrollar mecanismos para facilitar la inclusi\u00f3n de las mujeres en el sistema financiero, ya que representan a m\u00e1s de la mitad de la poblaci\u00f3n en M\u00e9xico. A estos efectos, se muestra una clara brecha de g\u00e9nero -que se reduce conforme se incrementa el grado de escolaridad- en las cuatro dimensiones de \u00a0inclusi\u00f3n financiera: acceso, uso, educaci\u00f3n financiera y protecci\u00f3n al usuario.<\/span><\/p>\n<p><b>Infraestructura financiera<\/b><\/p>\n<p><span style=\"font-weight: 400;\">La infraestructura financiera (sucursales, corresponsales, cajeros autom\u00e1ticos y terminales puntos de venta) aument\u00f3 un 17.8% aunque se extrae del reporte que debe seguir extendi\u00e9ndose.<\/span> <span style=\"font-weight: 400;\">Un aspecto destacable es el aumento de la utilizaci\u00f3n de cajeros autom\u00e1ticos, siendo estos los canales de acceso m\u00e1s utilizados, en detrimento del porcentaje de mexicanos que acude a las sucursales.<\/span><\/p>\n<p><b>Cr\u00e9dito y ahorro<\/b><\/p>\n<p><span style=\"font-weight: 400;\">El n\u00famero de contratos de cr\u00e9dito ha disminuido levemente. Aun as\u00ed, m\u00e1s de la mitad de la poblaci\u00f3n adulta cuenta con un cr\u00e9dito formal o informal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por su parte, el n\u00famero de MIPyMES con cr\u00e9ditos ha crecido un 33% en los 6 \u00faltimos a\u00f1os, y las cantidades que les han sido prestadas han aumentado un 130% y a una tasa de inter\u00e9s inferior. Sin embargo, y a pesar de que m\u00e1s del 95% de las empresas son de esta naturaleza, el n\u00famero de MIPyMES con cr\u00e9dito es menor al 10% y las cantidades de cr\u00e9dito otorgado representan tan solo un 25% de las destinadas a las empresas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Otro aspecto rese\u00f1able es el reciente fen\u00f3meno de <\/span><i><span style=\"font-weight: 400;\">crowdfunding<\/span><\/i><span style=\"font-weight: 400;\">. En un a\u00f1o, el n\u00famero de iniciativas se increment\u00f3 en un 42%, las empresas que accedieron a este tipo de financiaci\u00f3n lo hicieron en un 38% y un 41% de personas financiaron estas iniciativas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El n\u00famero de contratos de captaci\u00f3n (ahorro), experiment\u00f3 un aumento del 14% en un a\u00f1o. Esto supone 8 puntos porcentuales respecto a los primeros resultados de la ENIF. Es decir, existe un t\u00edmido avance, aunque todav\u00eda 17.9 millones de adultos no tienen una cuenta en una entidad financiera ni utilizan mecanismos de ahorro informal<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><b>Transacciones y seguros<\/b><\/p>\n<p><span style=\"font-weight: 400;\">El n\u00famero de operaciones a trav\u00e9s de cajeros autom\u00e1ticos ha crecido a una tasa anual del 5%, utiliz\u00e1ndose tarjeta de d\u00e9bito en el 98% de los supuestos. Las transferencias han aumentado a la misma tasa promedio anual y las m\u00e1s extendidas son las realizadas a trav\u00e9s de Internet, como consecuencia de un crecimiento del 150% de usuarios de banca electr\u00f3nica.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En cuanto a los seguros, se observa un ligero crecimiento respecto al porcentaje de adultos que cuentan con alg\u00fan producto de este tipo, increment\u00e1ndose un 3% en 3 a\u00f1os. Los microseguros, \u00a0teniendo en cuenta su vinculaci\u00f3n a la oferta de microcr\u00e9ditos, se dirigen principalmente a la cobertura de vida vinculada a un cr\u00e9dito comercial. \u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Destacar por \u00faltimo que Adem\u00e1s, M\u00e9xico ocupa el primer lugar en la tenencia de microseguros entre los 21 pa\u00edses de la regi\u00f3n de Am\u00e9rica Latina y el Caribe: el 15% de la poblaci\u00f3n del pa\u00eds se encuentra cubierta con alg\u00fan microseguro, lo que se traduce en 17 millones de personas.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Con fecha 19 de junio de 2017 la Comisi\u00f3n Nacional Bancaria y de Valores public\u00f3 el Reporte de Inclusi\u00f3n Financiera 8 (RNIF8). Un informe trienal que recoge las conclusiones extra\u00eddas de la Encuesta Nacional de Inclusi\u00f3n Financiera (ENIF) del segundo trimestre de 2016, respecto al acceso y uso de los distintos servicios y productos financieros. [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":9236,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"class_list":["post-7953","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","numero-12m","seccion-documentos-de-interes-microfinanzas"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Reporte Nacional de Inclusi\u00f3n Financiera<\/title>\n<meta name=\"description\" content=\"Reporte Nacional de Inclusi\u00f3n Financiera\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/reporte-nacional-de-inclusion-financiera\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" 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