La reciente decisi\u00f3n del Banco Central de aumentar su tasa de inter\u00e9s de pol\u00edtica monetaria en 50 puntos b\u00e1sicos, es decir, de 3.00 % anual a 3.50 %, tendr\u00eda un impacto en las tasas de los pr\u00e9stamos de la banca regular, proyectan economistas consultados por\u00a0Diario Libre.<\/i><\/p>\n
\u201cEl Banco Central, al aumentar la tasa de referencia monetaria, impulsa las tasas del mercado financiero, es decir que la \u00e9poca de pr\u00e9stamos baratos est\u00e1 terminando\u201d, asegura Rafael Espinal, coordinador de las carreras de Econom\u00eda e Ingenier\u00eda Financiera del Instituto Tecnol\u00f3gico de Santo Domingo (Intec).<\/p>\n
\u201cA partir de este momento los pr\u00e9stamos volver\u00e1n a incrementar sus tasas de inter\u00e9s, y eso implica, obviamente, que va a disminuir la demanda de financimiento en la banca comercial\u201d, agrega.<\/p>\n
El 16 de marzo de 2020 el Banco Central decidi\u00f3 reducir de manera preventiva de 4.50 a 3.50 % anual su tasa de pol\u00edtica monetaria que manten\u00eda en el primer porcentaje desde agosto de 2019. La medida se tom\u00f3 \u201cante el incremento significativo de la incertidumbre a nivel global asociada al impacto econ\u00f3mico del coronavirus\u201d.<\/p>\n
Luego, en agosto tambi\u00e9n de 2020, la redujo de 3.50 a 3.00 %. Ahora, en noviembre de 2021, decidi\u00f3 volverla a llevar a 3.50 %. La decisi\u00f3n, inform\u00f3 el banco, se basa \u201cen una evaluaci\u00f3n exhaustiva del impacto del COVID-19 sobre la producci\u00f3n a nivel mundial y las mayores presiones inflacionarias de origen externo\u201d.<\/p>\n
Espinal indica que el nuevo incremento es un indicio de que el banco trata de contener los efectos de inflaci\u00f3n, es decir, de aumento de precios, por la cantidad de dinero que se puso a circular el a\u00f1o pasado para agilizar la recuperaci\u00f3n econ\u00f3mica.<\/p>\n
\u201cEs parte de un ciclo econ\u00f3mico\u201d, dice Espinal. \u201cComo ya la econom\u00eda se ha estado recuperando, el banco vuelve a lo que llamanos una pol\u00edtica restrictiva, es decir, una pol\u00edtica de tasas m\u00e1s altas para evitar el flujo monetario, o sea, la cantidad de dinero que va de la banca comercial a las empresas por v\u00edas de pr\u00e9stamos y a las personas\u201d.<\/p>\n
Miguel Collado, vicepresidente ejecutivo del Centro Regional de Estrategias Econ\u00f3micas Sostenibles (Crees), observa un ciclo de normalizaci\u00f3n con la decisi\u00f3n del banco, que va a tono con decisiones internacionales.<\/p>\n
\u201cLos bancos centrales empiezan a corregir, la FED (Reserva Federal de EE. UU.) tambi\u00e9n (…), y el Banco Central de Rep\u00fablica Dominicana ha seguido, en consecuencia, esa pol\u00edtica que ya se inicia\u201d, expresa.<\/p>\n
Ante el panorama, Espinal aconseja financiarse en este momento, a largo plazo y a tasa fija, antes de que la carrera ascendente de las tasas sea mayor. Estima que ser\u00eda a partir del segundo trimestre del pr\u00f3ximo a\u00f1o cuando el incremento se vea m\u00e1s reflejado.<\/p>\n
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<\/path><\/svg><\/i> Vistas Totales 1,076 <\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
Autor: Mariela Mej\u00eda Fecha: 26 de noviembre del 2021 Extra\u00eddo de: Diario Libre La reciente decisi\u00f3n del Banco Central de aumentar su tasa de inter\u00e9s de pol\u00edtica monetaria en 50 puntos b\u00e1sicos, es decir, de 3.00 % anual a 3.50 %, tendr\u00eda un impacto en las tasas de los pr\u00e9stamos de la banca regular, proyectan…<\/p>\n
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<\/path><\/svg><\/i> Vistas Totales 1,076 <\/p>\n<\/div>\n","protected":false},"author":2,"featured_media":22433,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19],"tags":[],"class_list":["post-22427","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad"],"yoast_head":"\n
Tasas de los pr\u00e9stamos subir\u00edan tras reciente decisi\u00f3n del Banco Central | CREES<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/crees.org.do\/?p=22427\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tasas de los pr\u00e9stamos subir\u00edan tras reciente decisi\u00f3n del Banco Central | CREES\" \/>\n<meta property=\"og:description\" content=\"Autor: Mariela Mej\u00eda Fecha: 26 de noviembre del 2021 Extra\u00eddo de: Diario Libre La reciente decisi\u00f3n del Banco Central de aumentar su tasa de inter\u00e9s de pol\u00edtica monetaria en 50 puntos b\u00e1sicos, es decir, de 3.00 % anual a 3.50 %, tendr\u00eda un impacto en las tasas de los pr\u00e9stamos de la banca regular, proyectan...\" \/>\n<meta property=\"og:url\" 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