Provisiones de créditos del programa PAE-MYPE se flexibilizan gracias a la SBS

Provisiones de créditos del programa PAE-MYPE se flexibilizan gracias a la SBS

El día 1 de abril del año 2021, la Superintendencia de Banca, Seguros y AFP publicó lo siguiente; «Considerando las características especiales del Programa de Apoyo Empresarial a la micro y pequeña empresa (FAE-MYPE), creado por el Poder Ejecutivo con el objetivo de garantizar los créditos para capital de trabajo de las MYPE que han sido más afectadas por el reciente cierre de actividades o que hayan tenido un reinicio posterior o tardío de actividades, la Superintendencia de Banca, Seguros y AFP (SBS) ha flexibilizado el tratamiento de las provisiones que se aplican a los créditos que las cooperativas de ahorro y crédito no autorizadas a captar recursos de terceros (Coopac) nivel 2 y nivel 3 otorguen en el marco de dicho programa, lo que contribuirá a que ofrezcan a sus socios condiciones más competitivas.»

Asimismo, la Resolución N° 00977-2021 publicada el mismo 01 de Abril, nos dice que las Coopac nivel 2 y 3, en casos peculiares, aplicarán una tasa de provisión por riesgo de crédito de 0% a la parte de los créditos que cuenta con la cobertura de la garantía del PAE-MYPE. Además, se precisa que dicha parte no se estará sujeta a límites de concentración crediticia (artículos 37 y 38 del Reglamento General de las COOPAC, Resolución SBS N° 480-2019 y sus modificatorias).

Por otro lado, se modifica el Manual de Contabilidad para las Coopac de nivel 2 y 3 con el fin de adecuarlo a las disposiciones establecidas.

Fuente: https://www.sbs.gob.pe/

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