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14 de diciembre de 2024
AHORROS CONGELADOS
Malas noticias: por qué caerán los rendimientos de las billeteras digitales viernes 18 de octubre de 2024 12:04
El Banco Central de la República Argentina (BCRA) aplicará una medida que afectará directamente los rendimientos que pagan las billeteras digitales y los fondos comunes de inversión (FCI) de Money Market.
Según el “Comunicación A 8119″ del BCRA, a partir del 1° de noviembre las entidades financieras deberán aumentar en cinco puntos porcentuales los encajes aplicables a los depósitos a la vista en pesos que constituyan el haber de estos fondos y a las cauciones bursátiles tomadoras en pesos. Por lo tanto, su implementación impactará de manera inmediata en las tasas que ofrecen las plataformas de billeteras digitales por mantener dinero en sus cuentas.
Según la nueva normativa, el incremento en los encajes (dinero que los bancos deben inmovilizar en el BCRA sin recibir intereses) pasará del 15% al 20%. Este ajuste tiene un objetivo contractivo desde el punto de vista monetario, ya que reduce la liquidez disponible en el sistema financiero. Sin embargo, también implica una caída estimada de entre dos y tres puntos porcentuales en los rendimientos que actualmente ofrecen las billeteras digitales y los FCI money market, que en la actualidad rondan entre el 35% y el 45%.
Los bancos, al verse obligados a mantener un mayor porcentaje de sus fondos inmovilizados en encajes, tendrán menos incentivos para ofrecer tasas competitivas.