{"id":69777,"date":"2026-07-25T08:57:02","date_gmt":"2026-07-25T13:57:02","guid":{"rendered":"https:\/\/elmercuriomanta.ec\/?p=69777"},"modified":"2026-07-25T08:59:05","modified_gmt":"2026-07-25T13:59:05","slug":"reforma-financiera-2","status":"publish","type":"post","link":"https:\/\/elmercuriomanta.ec\/index.php\/2026\/07\/25\/reforma-financiera-2\/","title":{"rendered":"REFORMA FINANCIERA"},"content":{"rendered":"\t\t
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REFORMA FINANCIERA<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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La Asamblea Nacional debate una reforma al C\u00f3digo Org\u00e1nico Monetario y Financiero que encarga a la Junta Financiera y Monetaria el dise\u00f1o de un r\u00e9gimen especial de tasas para la poblaci\u00f3n que hoy no puede acceder al sistema financiero formal. Es sin duda una decisi\u00f3n oportuna y necesaria para batallar contra el chulco, un mal que crece en el pa\u00eds, alimentando una red financiera informal que adem\u00e1s nutre otros il\u00edcitos. Sin embargo, convertir esta buena intenci\u00f3n en pol\u00edtica p\u00fablica efectiva no es tan sencillo. Educaci\u00f3n financiera, clave para evitar morosidad El primer reto es hacerlo viable. De nada sirve una norma si termina siendo letra muerta por falta de aplicaci\u00f3n. Para evitarlo, resulta indispensable socializar la propuesta con la banca y acordar con ella cu\u00e1l es la tasa que resulta realmente atractiva para empezar a dise\u00f1ar productos financieros sostenibles para este segmento, sin que el riesgo asumido supere el beneficio esperado. Un segundo reto, igual de importante, es la capacitaci\u00f3n, ya que buena parte de esta exclusi\u00f3n responde a una poblaci\u00f3n con un bajo nivel de educaci\u00f3n financiera. Abrir el cr\u00e9dito de golpe a quienes nunca lo tuvieron, sin acompa\u00f1arlo de esa formaci\u00f3n, puede derivar en una ola de morosidad que termine desincentivando justamente lo que se busca fomentar.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

La Asamblea Nacional debate una reforma al C\u00f3digo Org\u00e1nico Monetario y Financiero que encarga a la Junta Financiera y Monetaria el dise\u00f1o de un r\u00e9gimen especial de tasas para la poblaci\u00f3n que hoy no puede acceder al sistema financiero formal. Es sin duda una decisi\u00f3n oportuna y necesaria para batallar contra el chulco, un mal que crece en el pa\u00eds, alimentando una red financiera informal que adem\u00e1s nutre otros il\u00edcitos.<\/p>\n","protected":false},"author":1,"featured_media":69778,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[78],"tags":[],"class_list":["post-69777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-editorial"],"_links":{"self":[{"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/posts\/69777","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/comments?post=69777"}],"version-history":[{"count":4,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/posts\/69777\/revisions"}],"predecessor-version":[{"id":69782,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/posts\/69777\/revisions\/69782"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/media\/69778"}],"wp:attachment":[{"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/media?parent=69777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/categories?post=69777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/tags?post=69777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}