{"id":521735,"date":"2026-03-22T08:31:46","date_gmt":"2026-03-22T14:31:46","guid":{"rendered":"https:\/\/billieparkernoticias.com\/?p=521735"},"modified":"2026-03-22T08:31:46","modified_gmt":"2026-03-22T14:31:46","slug":"crecer-a-mayor-velocidad-sin-comprometer-la-estabilidad","status":"publish","type":"post","link":"https:\/\/fronteraveracruz.com\/?p=521735","title":{"rendered":"Crecer a mayor velocidad sin comprometer la estabilidad ."},"content":{"rendered":"<p><strong>*IMPRONTA .<\/strong><\/p>\n<p><strong>\/ Carlos Miguel Acosta Bravo \/<\/strong><\/p>\n<p>El presidente de la ABM, Emilio Romano, anunci\u00f3 en la 89 Convenci\u00f3n Bancaria (marzo 2026) el compromiso del sector para elevar el cr\u00e9dito a empresas mexicanas del 38% al 45% del PIB hacia 2030, alineado con la petici\u00f3n de la presidenta Sheinbaum para impulsar PyMEs v\u00eda &#8220;Plan M\u00e9xico&#8221;. Este mensaje se\u00f1ala la solidez bancaria (mayor capital invertido) como base para mayor financiamiento, enfoc\u00e1ndose en digitalizaci\u00f3n e inclusi\u00f3n.<\/p>\n<p>Aumentar el cr\u00e9dito en 7 puntos del PIB, no es un reto menor pues los recursos son equivalentes a alrededor de 10 a 12 billones de pesos que se estima podr\u00edan hacerse gradualmente hacia el 2030, esto facilitar\u00eda inversi\u00f3n en PyMEs (98% del tejido empresarial), elevando productividad y empleo al reducir costos de financiamiento y formalizar econom\u00eda. Esto podr\u00eda sumar 1-2% al PIB anual v\u00eda mayor consumo e inversi\u00f3n privada, alineado con metas gubernamentales de desarrollo equitativo.<\/p>\n<p>Mayor cr\u00e9dito accesible podr\u00eda significar hasta 10 veces m\u00e1s r\u00e1pido que crecimiento econ\u00f3mico, lo cual \u00a0apoyar\u00eda expansi\u00f3n, compra de activos y digitalizaci\u00f3n, beneficiando a mipymes vulnerables que generan hasta el 70% empleo. Fortalecer\u00eda confianza en inversionista y ahorro, atrayendo capital extranjero al mostrar banca responsable.<\/p>\n<p>En cambio, si no hay supervisi\u00f3n prudente, podr\u00eda elevar morosidad en contexto de incertidumbre global (petr\u00f3leo alto, tensiones geopol\u00edticas), presionando balances bancarios. Depende de pol\u00edticas complementarias como formalidad y banca de desarrollo para evitar burbujas crediticias<\/p>\n<p>El planteamiento de la ABM llega en un momento en el que M\u00e9xico enfrenta el reto de crecer a mayor velocidad sin comprometer la estabilidad macroecon\u00f3mica. Incrementar el cr\u00e9dito es, sin duda, una condici\u00f3n necesaria para detonar inversi\u00f3n y productividad, especialmente en un pa\u00eds donde el financiamiento a\u00fan es limitado en comparaci\u00f3n con econom\u00edas similares.<\/p>\n<p>No obstante, asumir que m\u00e1s cr\u00e9dito autom\u00e1ticamente generar\u00e1 crecimiento ser\u00eda una simplificaci\u00f3n peligrosa. La historia econ\u00f3mica mexicana ha demostrado que la expansi\u00f3n crediticia sin controles adecuados puede derivar en crisis profundas. El recuerdo del Fobaproa sigue siendo una advertencia vigente, no basta con prestar m\u00e1s, sino prestar mejor.<\/p>\n<p>El verdadero desaf\u00edo no radica \u00fanicamente en aumentar el volumen de financiamiento, sino en asegurar que \u00e9ste llegue a quienes pueden transformarlo en crecimiento real: empresas productivas, innovadoras y con capacidad de generar valor. En este sentido, el enfoque en PYMES es acertado, pero insuficiente si no se atienden problemas estructurales como la informalidad y la debilidad institucional.<\/p>\n<p>Adem\u00e1s, existe el riesgo de que esta expansi\u00f3n del cr\u00e9dito responda a incentivos de corto plazo o presiones pol\u00edticas, lo que podr\u00eda relajar los est\u00e1ndares de otorgamiento y sembrar problemas futuros en la estabilidad financiera.<\/p>\n<p>La propuesta es positiva y necesaria, pero exige disciplina, regulaci\u00f3n eficaz y una visi\u00f3n de largo plazo. El cr\u00e9dito puede ser un catalizador del desarrollo, pero s\u00f3lo cuando se canaliza hacia proyectos productivos s\u00f3lidos. De lo contrario, puede convertirse en una fuente de vulnerabilidad. La clave no es cu\u00e1nto se presta, sino c\u00f3mo y para qu\u00e9 se presta?<\/p>\n<p>Comente u opine a:<br \/>\ncacostabravo@yahoo.com.mx<\/p>\n<p><em>Maestro en Comunicaci\u00f3n por la Universidad Iberoamericana. Form\u00f3 parte\u00a0 del cuerpo acad\u00e9mico en comunicaci\u00f3n en la Ibero y en la Universidad An\u00e1huac, campus norte CDMX.<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>*IMPRONTA . \/ Carlos Miguel Acosta Bravo \/ El presidente de la ABM, Emilio Romano, anunci\u00f3 en la 89 Convenci\u00f3n Bancaria (marzo 2026) el compromiso del sector para elevar el cr\u00e9dito a empresas mexicanas del 38% al 45% del PIB hacia 2030, alineado con la petici\u00f3n de la presidenta Sheinbaum para impulsar PyMEs v\u00eda &#8220;Plan&#8230;<\/p>\n","protected":false},"author":3,"featured_media":514765,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[15607,114,18],"tags":[10126],"class_list":["post-521735","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-impronta","category-ellos-columnistas","category-noticias-de-ultima-hora","tag-carlos-miguel-acosta-bravo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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