{"id":9936,"date":"2017-12-12T11:30:14","date_gmt":"2017-12-12T11:30:14","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=9936\/"},"modified":"2017-12-12T11:30:14","modified_gmt":"2017-12-12T11:30:14","slug":"iii-informe-de-inclusion-financiera","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/iii-informe-de-inclusion-financiera\/","title":{"rendered":"III Informe 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\/9936?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\/9936?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;\">La Federaci\u00f3n Latinoamericana de Bancos (FELABAN) ha publicado la tercera edici\u00f3n de su Reporte de Inclusi\u00f3n Financiera de Am\u00e9rica Latina, en el cual analiza el efecto de la revoluci\u00f3n digital en la prestaci\u00f3n de servicios financieros, las variables de acceso a los servicios financieros y aspectos de la pol\u00edtica p\u00fablica vinculada a la inclusi\u00f3n financiera en Am\u00e9rica Latina.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Respecto a la revoluci\u00f3n digital en la prestaci\u00f3n de servicios financieros, el reporte reconoce que si bien los cambios tecnol\u00f3gicos siempre han estado presentes en el \u00e1mbito financiero, en esta ocasi\u00f3n existen nuevos actores que acogen como punto clave para su desarrollo la ausencia de regulaci\u00f3n y supervisi\u00f3n que establezca marcos de referencia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El informe ha recogido el trabajo realizado por el Banco Interamericano de Desarrollo (BID), que se\u00f1ala que el 60% de las fintech en Am\u00e9rica Latina han nacido entre los 2014 y 2016, lo que evidencia el escaso desarrollo de los nuevos actores, requiriendo en su mayor\u00eda capital y financiaci\u00f3n.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Asimismo, resalta los hallazgos del estudio realizado por el Departamento del Tesoro de Estados Unidos se\u00f1alando que, en el cr\u00e9dito de las fintech no hay un mercado secundario que permita cubrir riesgos de fondeo, mejorar los riesgos asociados a la transformaci\u00f3n de plazos, ni titulizaciones, y que la inexistencia de regulaci\u00f3n no permite identificar el rol de los participantes, que incluye derechos, deberes y alcances.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En ese sentido, se identifican como riesgos de las fintech: (i) m\u00e1s oferta de cr\u00e9dito; (ii) \u201celectronizaci\u00f3n\u201d de los mercados; (iii) seguridad de los datos; (iv) el impacto en la pol\u00edtica monetaria; (v) el arbitraje regulatorio; (vi) el lavado de activos y la financiaci\u00f3n del terrorismo y su regulaci\u00f3n. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por otro lado, FELABAN ha desarrollado un an\u00e1lisis de los principales indicadores de inclusi\u00f3n financiera, reconociendo en t\u00e9rminos generales avances importantes a pesar de un escenario macroecon\u00f3mico retador y a la escasa consideraci\u00f3n de la inclusi\u00f3n financiera en la agenda p\u00fablica, destacando los principios reconocidos por la G20 en la reuni\u00f3n sostenida en junio de 2017.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Federaci\u00f3n Latinoamericana de Bancos (FELABAN) ha publicado la tercera edici\u00f3n de su Reporte de Inclusi\u00f3n Financiera de Am\u00e9rica Latina, en el cual analiza el efecto de la revoluci\u00f3n digital en la prestaci\u00f3n de servicios financieros, las variables de acceso a los servicios financieros y aspectos de la pol\u00edtica p\u00fablica vinculada a la inclusi\u00f3n financiera [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":9950,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"class_list":["post-9936","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","numero-13m","seccion-documentos-de-interes-microfinanzas"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - 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