En los \u00faltimos 30 meses, el deterioro del ingreso real ha forzado a la ciudadan\u00eda a una \u201csobreutilizaci\u00f3n\u201d de los recursos del mercado financiero, recurriendo de forma desmedida a tarjetas de cr\u00e9dito, pr\u00e9stamos personales y herramientas de tecnolog\u00eda financiera (Fintech) para poder cubrir necesidades b\u00e1sicas como alimentaci\u00f3n y medicamentos, entre otros.<\/p>\n\n\n\n
La morosidad familiar alcanza un preocupante 12,8% sobre los titulares de tarjetas vigentes, consolid\u00e1ndose como el \u00edndice de mora m\u00e1s alto de la \u00faltima d\u00e9cada. Este fen\u00f3meno se replica con gravedad en otros canales de financiamiento. La morosidad en pr\u00e9stamos personales asciende al 14,9%, mientras que en el sector de billeteras virtuales y entidades no financieras se dispara a un preocupante 29,6%.<\/p>\n\n\n\n
Una de las causas de la morosidad es la utilizaci\u00f3n de \u00edndices dispares que perjudican el
repago de aquellas modalidades de financiaci\u00f3n, como los cr\u00e9ditos, las tarjetas, las fintech y la utilizaci\u00f3n de las billeteras virtuales. Dicha financiaci\u00f3n necesita el sinceramiento de las tasas
de inter\u00e9s aplicadas, debiendo ser similares a la TAMAR, utilizada para el dep\u00f3sito de pesos a plazo fijo.<\/p>\n\n\n\n
Es imperioso que se ordene y reduzca la tasa de refinanciaci\u00f3n de las deudas, utilizando par\u00e1metros justos y regulados de acuerdo con las operaciones activas del Banco de la Naci\u00f3n Argentina. Esta medida brindar\u00e1 un alivio concreto a las familias rionegrinas y argentinas en este dif\u00edcil contexto econ\u00f3mico y as\u00ed se lo hizo saber la Legisladora Silvia Morales en una comunicaci\u00f3n en la que expresa al \u201cBanco Central de la Rep\u00fablica Argentina (BCRA) y a los representantes de la Provincia de R\u00edo Negro en el Congreso de la Naci\u00f3n, ver\u00eda con agrado que, para la refinanciaci\u00f3n de cr\u00e9ditos, tarjetas bancarias y no bancarias, como as\u00ed tambi\u00e9n para la utilizaci\u00f3n de billeteras virtuales, se aplique en todos los casos la Tasa Nominal Anual (TNA) prevista por el Banco de la Naci\u00f3n Argentina para operaciones activas, junto con una regulaci\u00f3n de la carga impositiva sobre el Costo Financiero Total (CFT).<\/p>\n","protected":false},"excerpt":{"rendered":"
En los \u00faltimos 30 meses, el deterioro del ingreso real ha forzado a la ciudadan\u00eda a una \u201csobreutilizaci\u00f3n\u201d de los […]<\/p>\n","protected":false},"author":1,"featured_media":31889,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[33,1],"tags":[],"class_list":["post-31888","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-portada","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/bloquejsrn.com.ar\/portal\/wp-json\/wp\/v2\/posts\/31888","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bloquejsrn.com.ar\/portal\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bloquejsrn.com.ar\/portal\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bloquejsrn.com.ar\/portal\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bloquejsrn.com.ar\/portal\/wp-json\/wp\/v2\/comments?post=31888"}],"version-history":[{"count":1,"href":"https:\/\/bloquejsrn.com.ar\/portal\/wp-json\/wp\/v2\/posts\/31888\/revisions"}],"predecessor-version":[{"id":31890,"href":"https:\/\/bloquejsrn.com.ar\/portal\/wp-json\/wp\/v2\/posts\/31888\/revisions\/31890"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bloquejsrn.com.ar\/portal\/wp-json\/wp\/v2\/media\/31889"}],"wp:attachment":[{"href":"https:\/\/bloquejsrn.com.ar\/portal\/wp-json\/wp\/v2\/media?parent=31888"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bloquejsrn.com.ar\/portal\/wp-json\/wp\/v2\/categories?post=31888"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bloquejsrn.com.ar\/portal\/wp-json\/wp\/v2\/tags?post=31888"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}