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896
Oshiel Martínez Chapa
Políticas de globalización en la esfera nanciera y transición de la banca mexicana
De acuerdo con el análisis de riesgos de la industria bancaria de México
de Standard & Poors (2021), se desprenden las siguientes consideraciones:
1) el acceso relativamente bajo al crédito permite a los bancos crecer a
través de prácticas crediticias conservadoras con un enfoque en clientes de
ingresos medios y altos y con una capacidad de endeudamiento adecuada;
2) la banca ingresó a la pandemia con balances sanos, rentabilidad sólida,
reservas para pérdidas crediticias saludables que cubren los activos
productivos; 3) el escaso paquete de estímulo scal del gobierno retrasará
la recuperación del consumo, la inversión, además de limitar la demanda
de crédito; 4) el sector bancario mantiene elevada concentración y tiene
barreras elevadas de entrada; 5) las tecnológicas nancieras —FinTech—
pueden presionar la rentabilidad de las instituciones nancieras existentes;
6) la banca se fondea principalmente a través de bases de depósitos bien
pulverizadas y leales, es decir, con elevada retención de clientes.
Siguiendo este mismo orden de ideas, de acuerdo con la Encuesta
Trimestral de Evaluación Coyuntural del Mercado Crediticio que efectúa
el Banco de México (2020b), se reporta que 77.1 por ciento de las empresas
encuestadas utilizó nanciamiento de proveedores; 27 por ciento utilizó
crédito de la banca comercial; 19 por ciento, nanciamiento de otras
empresas del grupo corporativo; 4.2 por ciento, de la banca de desarrollo;
cinco por ciento, de la banca extranjera; y 0.5 por ciento por emisión de
deuda. Del mismo modo se señala que, al compararse respecto al trimestre
anterior, las empresas enfrentaron condiciones menos favorables en
cuanto a tasas de interés, montos, plazos ofrecidos, comisiones y otros
gastos, renanciamiento de los créditos, tiempos de resolución del crédito,
requerimientos del colateral y demás.
De acuerdo con la Escuela Austriaca, el sistema bancario global padece de
una crisis estructural y de ello da cuenta Garrison (1978) en su investigación
denominada La macroeconomía del capital. Ahí plantea la necesidad de
un proceso de formación de capital y de crecimiento económico genuino,
contrario al de las emisiones de dinero y de la manipulación de la tasa
de interés, pues ello destruye la estructura productiva. El referido autor
plantea las siguientes recomendaciones:
En primer término, es indispensable evitar crisis económicas de carácter
cíclico, por lo que hay que limitar la expansión articial del crédito y
fomentar el crecimiento del ahorro voluntario y real de la sociedad. Por ello
es fundamental garantizar al inversor y ahorrador el derecho de propiedad,
lo cual exige al banco que los fondos se custodien y mantengan a disposición
100 por ciento de los depósitos.
En segundo término, considera fundamental propiciar tasas de
crecimiento económico sostenido, con lo cual se reducen las tensiones en
los costos de transacción laborales. Si la productividad creciera más de
prisa que la masa monetaria, se elevaría la capacidad adquisitiva. Ningún