Cambio del reglamento de requerimiento de capital adicional para fortalecer sistema financiero

Cambio del reglamento de requerimiento de capital adicional para fortalecer sistema financiero

Con el fin de fortalecer la solvencia del sistema financiero peruano y promover una competencia más equitativa, incorporando las mejores prácticas y estándares internacionales, la Superintendencia de Banca, Seguros y AFP (SBS), ha actualizado el requerimiento de capital adicional por riesgo por concentración de mercado establecido en el Reglamento para el requerimiento de patrimonio efectivo adicional.

El riesgo por concentración de mercado, es aquel riesgo de una interrupción o incorrecto funcionamiento del sistema financiero y/o sus servicios debido a problemas en una empresa o varias, y cuyas consecuencias afectan la estabilidad del sistema financiero y pueden extenderse hasta impactar el sector real.

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De acuerdo con la norma publicada el pasado 27 de diciembre del 2021 en el Diario Oficial, destacan dos aspectos. Primero, se mejora el mecanismo de identificación de entidades financieras que generan riesgo por concentración de mercado. Para ello, se recoge lo establecido en la metodología propuesta por el Comité de Basilea, la cual se basa en la construcción de un indicador de riesgo de concentración de mercado, que incluye variables que reflejan el tamaño, la interconexión, la sustituibilidad e infraestructura, y la complejidad de estas entidades.

Segundo, se incrementan los requerimientos de capital exigibles a las entidades financieras que presentan riesgo por concentración de mercado, con la finalidad de mitigar potenciales riesgos a la estabilidad financiera que pudieran ocasionar la interrupción de los servicios financieros provistos por dichas entidades. De esta manera, la nueva normativa se alinea a lo indicado por el Comité de Basilea y la experiencia de otras economías en este tipo de regulación.

La nueva normativa contribuye al fortalecimiento de la solvencia del sistema financiero peruano, condición esencial para la estabilidad económica y para enfrentar con mejores herramientas los impactos de potenciales eventos negativos de la economía que puedan trasladarse al sistema financiero. Asimismo, fomenta condiciones de competencia equitativa entre las entidades financieras, considerando que los requerimientos de capital son aplicables únicamente a las entidades financieras con mayor participación en el mercado y son crecientes respecto a dicha participación. En este sentido, también se busca nivelar las condiciones entre las empresas de mayor participación de mercado, que típicamente tienen ventajas competitivas por su escala, con las entidades más pequeñas.

Finalmente, la modificación normativa permite continuar con la alineación de la regulación financiera local a los estándares de Basilea III. Esto genera una señal favorable a los mercados internacionales, pues mantiene al sistema financiero peruano en línea con las mejores prácticas internacionales y facilitando a su vez el proceso de globalización de la banca.

La norma contempla un plazo de adecuación hasta el 31 de diciembre de 2023, para que las entidades financieras se adapten e implementen las nuevas disposiciones de manera progresiva.

Fuente: www.sbs.gob.pe

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