Covid-19. Alerta Regulatoria - Bancario 28 Abr.
El día 27 de abril de 2020 se publicó en el diario oficial “El Peruano” la Resolución SBS No. 1314-2020, mediante la cual se establece la tasa de provisión por riesgo de crédito respecto a la parte de las exposiciones que cuente con la garantía del Programa REACTIVA Perú.
Se debe recordar que mediante el Decreto Legislativo 1455, se creó el programa REACTIVA PERÚ, mediante el cual el Gobierno Nacional garantiza ciertas operaciones de crédito objeto de operaciones con el BCRP.
En este sentido, la Resolución No. 1314-2020 tiene por objeto:
* Establecer que, excepcionalmente, resulta aplicable 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 Programa REACTIVA Perú cuando se aplique sustitución de contraparte crediticia.
Adicionalmente, el día 28 de abril de 2020, se publicó en el diario oficial “El Peruano” la Resolución SBS No. 1315-2020, mediante la cual la SBS emitió disposiciones especiales para la constitución de provisiones por riesgo de crédito para la parte de los créditos que cuente con la garantía del FAE-MYPE y para el cálculo del requerimiento de patrimonio efectivo por riesgo de crédito para la parte de las exposiciones que cuente con la garantía del FAE-MYPE.
Vale precisar que mediante el Decreto de Urgencia No. 029-2020, el Gobierno creo el Fondo de Apoyo Empresarial a la MYPE (FAE-MYPE) con la finalidad de promover el financiamiento de MYPEs a través del otorgamiento de créditos para obtener capital de trabajo a fin de mantener e impulsar su desarrollo productivo.
En este sentido, la Resolución SBS No. 1315-2020 tiene por objeto:
* Establecer que, excepcionalmente, resulta aplicable 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 FAE-MYPE cuando se aplique sustitución de contraparte crediticia.
* Establecer que, excepcionalmente, resulta aplicable un factor de ponderación de 0% para efectos del cálculo del requerimiento de patrimonio efectivo por riesgo de crédito bajo el método estándar, a la parte de las exposiciones que cuenta con la cobertura de la garantía del FAE-MYPE cuando se aplique sustitución de contraparte crediticia.
En caso tuvieran alguna consulta sobre estasresoluciones, pueden contactarse con Andrés Kuan-Veng (akuanveng@rubio.pe), Carlos Arata (carata@rubio.pe), Jeanette Aliaga (jaliaga@rubio.pe), Luis Miguel Garrido (lgarrido@rubio.pe) o Germán Gómez (ggomez@rubio.pe).
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