{"id":22097,"date":"2026-08-13T18:25:13","date_gmt":"2026-08-13T21:25:13","guid":{"rendered":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=22097"},"modified":"2026-08-13T18:25:13","modified_gmt":"2026-08-13T21:25:13","slug":"creditos-en-dolares-el-bcra-definio-las-pautas-para-que-los-bancos-puedan-prestarle-a-mas-empresas","status":"publish","type":"post","link":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=22097","title":{"rendered":"Cr\u00e9ditos en d\u00f3lares: el BCRA defini\u00f3 las pautas para que los bancos puedan prestarle a m\u00e1s empresas"},"content":{"rendered":"<div class=\"visual__image image-initial-width\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/DUSMUQ4Y6JEN7PBXJUACPHO6I4.JPG?auth=51123731af7ef80fab8902b6de29fc872f24f0bf8f5ef04943e337a63ac3c113&amp;smart=true&amp;width=992&amp;height=666&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/DUSMUQ4Y6JEN7PBXJUACPHO6I4.JPG?auth=51123731af7ef80fab8902b6de29fc872f24f0bf8f5ef04943e337a63ac3c113&amp;smart=true&amp;width=768&amp;height=516&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/DUSMUQ4Y6JEN7PBXJUACPHO6I4.JPG?auth=51123731af7ef80fab8902b6de29fc872f24f0bf8f5ef04943e337a63ac3c113&amp;smart=true&amp;width=577&amp;height=388&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/DUSMUQ4Y6JEN7PBXJUACPHO6I4.JPG?auth=51123731af7ef80fab8902b6de29fc872f24f0bf8f5ef04943e337a63ac3c113&amp;smart=true&amp;width=420&amp;height=282&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/DUSMUQ4Y6JEN7PBXJUACPHO6I4.JPG?auth=51123731af7ef80fab8902b6de29fc872f24f0bf8f5ef04943e337a63ac3c113&amp;smart=true&amp;width=350&amp;height=235&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"Los pr\u00e9stamos en d\u00f3lares a empresas que no generen divisas no podr\u00e1n superar el 15% de los dep\u00f3sitos en moneda extranjera de cada banco. (REUTERS\/Agustin Marcarian)\" class=\"global-image\" decoding=\"async\" fetchpriority=\"high\" height=\"3695\" loading=\"eager\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/DUSMUQ4Y6JEN7PBXJUACPHO6I4.JPG?auth=51123731af7ef80fab8902b6de29fc872f24f0bf8f5ef04943e337a63ac3c113&amp;smart=true&amp;width=350&amp;height=235&amp;quality=85\" width=\"5500\"><\/picture><\/div>\n<div class=\"sharebar-container display_flex sharebar-new\" style=\"opacity:1\">\n<div class=\"share-bar-article-date-container \"><span class=\"sharebar-article-date\">13 Ago, 2026 05:07 p. m. EST<\/span><\/div>\n<div class=\"sharebar-buttons-container display_flex\">\n<div aria-label=\"Guardar\" class=\"sharebar-buttons button-save\" role=\"button\" tabindex=\"0\"><svg width=\"9\" height=\"12\" viewbox=\"0 0 8 10\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"saved-icon saved\"><path d=\"M6.64286 0.5V9.31687L4.1116 7.16407L4.11106 7.16361C3.79894 6.89891 3.34392 6.89891 3.03179 7.16361L3.03126 7.16407L0.5 9.31687V0.5H6.64286Z\"><\/path><\/svg><span class=\"buttons-save-text\">Guardar<\/span><\/div>\n<div class=\"sharebar-buttons-separator\"><\/div>\n<p><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Telegram\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M24.9696 12.5511L10.3405 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15.0383 17.6243C15.1805 18.3619 15.5983 18.9663 16.0426 19.5618C16.887 20.6638 17.8646 21.6237 19.1622 22.1925C19.7932 22.4769 20.4331 22.7613 21.1441 22.7613C21.2685 22.7613 21.393 22.7613 21.5085 22.7346C22.4506 22.5391 23.1172 22.0058 23.0816 21.0193C23.0816 20.9216 23.0194 20.7794 22.9483 20.7438C22.3973 20.4594 21.8462 20.2017 21.2863 19.9439Z\" fill=\"#555555\"><\/path><path d=\"M26.9482 17.8724C26.3972 13.4642 22.1401 10.3447 17.7229 11.1179C12.6481 11.9977 9.71521 17.2859 11.6883 21.9963C12.1948 22.6629 12.0615 23.3472 11.8216 24.0849C11.5105 25.027 11.2794 26.0046 11.0039 27C11.1194 26.9733 11.1994 26.9644 11.2794 26.9378C12.5059 26.6178 13.7324 26.3068 14.9411 25.9868C15.1544 25.9335 15.3144 25.9602 15.5099 26.0579C17.1719 26.8667 18.9227 27.0978 20.718 26.7067C24.833 25.7913 27.4548 22.0496 26.9305 17.8902L26.9482 17.8724ZM20.0515 25.4624C18.4784 25.7113 17.003 25.3913 15.6166 24.6003C15.5099 24.5381 15.3411 24.5115 15.2077 24.547C14.4612 24.7248 13.7146 24.9292 12.9147 25.1336C13.1192 24.3693 13.3058 23.6672 13.5102 22.9473C13.5635 22.7606 13.5369 22.6273 13.4391 22.4673C11.0039 18.5479 13.1014 13.5442 17.6163 12.5043C21.2868 11.6511 25.0285 14.1841 25.5884 17.908C26.1395 21.5519 23.6954 24.8936 20.0515 25.4624Z\" fill=\"#555555\"><\/path><\/svg><\/button><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"1\">Tras la <a rel=\"noopener noreferrer\" href=\"https:\/\/www.infobae.com\/economia\/2026\/08\/13\/el-gobierno-flexibilizo-el-credito-en-dolares-para-empresas-los-bancos-podran-prestar-hasta-el-15-de-sus-depositos\/\" target=\"_blank\" title=\"https:\/\/www.infobae.com\/economia\/2026\/08\/13\/el-gobierno-flexibilizo-el-credito-en-dolares-para-empresas-los-bancos-podran-prestar-hasta-el-15-de-sus-depositos\/\"><b>flexibilizaci\u00f3n de cr\u00e9ditos<\/b><\/a> a empresas que anunci\u00f3 el Ministerio de Econom\u00eda, el <b>Banco Central de la Rep\u00fablica Argentina (BCRA) <\/b>adecu\u00f3 la normativa para ampliar el universo permitido del financiamiento en moneda dura a <b>personas jur\u00eddicas no generadoras de divisas<\/b>.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-1\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"2\">La letra chica del BCRA permitir\u00e1 a las entidades financieras otorgar pr\u00e9stamos a un universo m\u00e1s amplio de empresas y personas jur\u00eddicas que no est\u00e1n vinculadas al sector exportador, bajo nuevos l\u00edmites y requisitos macroprudenciales. <\/p>\n<div class=\"inline ad-wrapper dfpAd ad-inline ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"inline\" data-ad-slot=\"infobae\/economia\/nota\/inline\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/inline\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/inline\" class=\"infobae\/economia\/nota\/inline arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/inline\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"3\">La decisi\u00f3n, informada oficialmente por el BCRA, busca \u201c<b>preservar la solvencia y la liquidez del sistema financiero<\/b>\u201d en un contexto donde la canalizaci\u00f3n del ahorro dom\u00e9stico en moneda extranjera a trav\u00e9s del sistema bancario cobra especial relevancia: los <b>dep\u00f3sitos en d\u00f3lares ya superaron los USD 40.000 millones<\/b> hace varias semanas.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-3\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"4\">La medida surge tras la modificaci\u00f3n del art\u00edculo 23 del Decreto 905\/02, anunciada por el Poder Ejecutivo Nacional. El BCRA adecuar\u00e1 el marco regulatorio de las financiaciones en moneda extranjera, ampliando los destinos admitidos para la utilizaci\u00f3n de dep\u00f3sitos en d\u00f3lares. <\/p>\n<div class=\"inline_2 ad-wrapper dfpAd ad-inline ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"inline_2\" data-ad-slot=\"infobae\/economia\/nota\/inline_2\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/inline_2\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/inline_2\" class=\"infobae\/economia\/nota\/inline_2 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/inline_2\"><\/div>\n<\/div>\n<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/R4TDEDYIZZHN3BPULO3EJDCA7Y.png?auth=06d7925a78519bb5a26da27fb6cb8cd440ece300ced2035e6b90c6b87f5ff4af&amp;smart=true&amp;width=992&amp;height=558&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/R4TDEDYIZZHN3BPULO3EJDCA7Y.png?auth=06d7925a78519bb5a26da27fb6cb8cd440ece300ced2035e6b90c6b87f5ff4af&amp;smart=true&amp;width=768&amp;height=432&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/R4TDEDYIZZHN3BPULO3EJDCA7Y.png?auth=06d7925a78519bb5a26da27fb6cb8cd440ece300ced2035e6b90c6b87f5ff4af&amp;smart=true&amp;width=577&amp;height=325&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/R4TDEDYIZZHN3BPULO3EJDCA7Y.png?auth=06d7925a78519bb5a26da27fb6cb8cd440ece300ced2035e6b90c6b87f5ff4af&amp;smart=true&amp;width=420&amp;height=236&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/R4TDEDYIZZHN3BPULO3EJDCA7Y.png?auth=06d7925a78519bb5a26da27fb6cb8cd440ece300ced2035e6b90c6b87f5ff4af&amp;smart=true&amp;width=350&amp;height=197&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"Santiago Bausili\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"1080\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/R4TDEDYIZZHN3BPULO3EJDCA7Y.png?auth=06d7925a78519bb5a26da27fb6cb8cd440ece300ced2035e6b90c6b87f5ff4af&amp;smart=true&amp;width=350&amp;height=197&amp;quality=85\" width=\"1920\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"5\">Seg\u00fan la entidad conducida por <b>Santiago Bausili<\/b>, esta normativa apunta a \u201cincrementar el financiamiento disponible para la inversi\u00f3n privada\u201d, lo que, en palabras del Central, podr\u00eda \u201cimpulsar la actividad econ\u00f3mica, la productividad y el empleo, y reducir la dependencia del financiamiento externo\u201d.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-5\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"6\">En la comunicaci\u00f3n, el BCRA explic\u00f3 que en<b> econom\u00edas bimonetarias<\/b>, como la argentina, una intermediaci\u00f3n financiera m\u00e1s desarrollada contribuye a reducir el desbalance entre el ahorro dom\u00e9stico y la inversi\u00f3n privada. \u201cLa canalizaci\u00f3n del ahorro dom\u00e9stico en moneda extranjera a trav\u00e9s del sistema bancario permite ampliar la oferta de cr\u00e9dito\u201d, remarc\u00f3 el comunicado oficial.<\/p>\n<div class=\"ad_1 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_1\" data-ad-slot=\"infobae\/economia\/nota\/ad_1\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_1\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_1\" class=\"infobae\/economia\/nota\/ad_1 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_1\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"7\">No obstante, la<b> flexibilizaci\u00f3n estar\u00e1 acompa\u00f1ada por un esquema prudencial<\/b>. El texto enfatiz\u00f3 que \u201cla expansi\u00f3n del financiamiento se desarrollar\u00e1 de manera sostenible, resguardando la solvencia y la liquidez del sistema financiero y limitando los riesgos asociados al potencial descalce de moneda de los tomadores de cr\u00e9dito\u201d. <\/p>\n<p class=\"paragraph\" data-paragraph-number=\"8\">Para esto, la autoridad monetaria estableci\u00f3 un l\u00edmite: \u201cLas financiaciones provenientes de los dep\u00f3sitos en moneda extranjera otorgadas a clientes que no se encuentren comprendidos <b>en los destinos previamente admitidos por la regulaci\u00f3n no podr\u00e1n superar, en conjunto, el 15% de los dep\u00f3sitos en moneda extranjera de cada entidad financiera<\/b>\u201d.<\/p>\n<div class=\"ad_2 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_2\" data-ad-slot=\"infobae\/economia\/nota\/ad_2\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_2\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_2\" class=\"infobae\/economia\/nota\/ad_2 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_2\"><\/div>\n<\/div>\n<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/NTEEF55BJVAXNK5KAYMRTUZABU.png?auth=ab72e3a7b7bb5e7c55ed7b8e1bb4535de95b636fafa8d2ba47563f1adcd83855&amp;smart=true&amp;width=992&amp;height=541&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/NTEEF55BJVAXNK5KAYMRTUZABU.png?auth=ab72e3a7b7bb5e7c55ed7b8e1bb4535de95b636fafa8d2ba47563f1adcd83855&amp;smart=true&amp;width=768&amp;height=419&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/NTEEF55BJVAXNK5KAYMRTUZABU.png?auth=ab72e3a7b7bb5e7c55ed7b8e1bb4535de95b636fafa8d2ba47563f1adcd83855&amp;smart=true&amp;width=577&amp;height=315&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/NTEEF55BJVAXNK5KAYMRTUZABU.png?auth=ab72e3a7b7bb5e7c55ed7b8e1bb4535de95b636fafa8d2ba47563f1adcd83855&amp;smart=true&amp;width=420&amp;height=229&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/NTEEF55BJVAXNK5KAYMRTUZABU.png?auth=ab72e3a7b7bb5e7c55ed7b8e1bb4535de95b636fafa8d2ba47563f1adcd83855&amp;smart=true&amp;width=350&amp;height=191&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"(Imagen Ilustrativa Infobae)\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"768\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/NTEEF55BJVAXNK5KAYMRTUZABU.png?auth=ab72e3a7b7bb5e7c55ed7b8e1bb4535de95b636fafa8d2ba47563f1adcd83855&amp;smart=true&amp;width=350&amp;height=191&amp;quality=85\" width=\"1408\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"9\">El objetivo central de la medida es ampliar el universo del cr\u00e9dito en d\u00f3lares sin comprometer la estabilidad de las entidades financieras. El BCRA remarc\u00f3 que la normativa responde a la necesidad de potenciar la inversi\u00f3n privada y la actividad productiva, a la vez que mantiene controles para proteger el sistema financiero argentino.<\/p>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"las-reglas-macroprudenciales\">Las reglas macroprudenciales<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"10\">De acuerdo a lo informado por el organismo monetario, el financiamiento en moneda extranjera quedar\u00e1 sujeto a un tratamiento prudencial \u201cm\u00e1s exigente\u201d:<\/p>\n<ul data-icon=\"\u2b24\" class=\"list\">\n<li data-icon=\"\u2b24\"><span>En materia de capital, el requisito de capital m\u00ednimo ser\u00e1 equivalente al 125% del aplicable a otras financiaciones de caracter\u00edsticas comparables.<\/span><\/li>\n<li data-icon=\"\u2b24\"><span>A los efectos de los l\u00edmites de exposici\u00f3n crediticia, estas financiaciones computar\u00e1n por 1,25 veces la exposici\u00f3n que corresponder\u00eda de no encontrarse alcanzadas por este tratamiento espec\u00edfico.<\/span><\/li>\n<li data-icon=\"\u2b24\"><span>Las entidades deber\u00e1n evaluar la capacidad de repago de los tomadores bajo escenarios de variaci\u00f3n del tipo de cambio de diferente magnitud.<\/span><\/li>\n<\/ul>\n<p class=\"paragraph\" data-paragraph-number=\"11\">\u201cEstas medidas buscan reforzar la cobertura de los riesgos asumidos por las entidades financieras y establecer l\u00edmites de exposici\u00f3n m\u00e1s restrictivos para las financiaciones alcanzadas por el nuevo r\u00e9gimen\u201d, concluyeron desde el Central.<\/p>\n<div class=\"ad_3 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_3\" data-ad-slot=\"infobae\/economia\/nota\/ad_3\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_3\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_3\" class=\"infobae\/economia\/nota\/ad_3 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_3\"><\/div>\n<\/div>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"los-detalles-de-la-flexibilizacion\">Los detalles de la flexibilizaci\u00f3n<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"12\">El Gobierno present\u00f3 esta tarde la modificaci\u00f3n en las condiciones para acceder a cr\u00e9ditos en d\u00f3lares dirigidos a todas las empresas. Con esta nueva disposici\u00f3n, <b>los bancos estar\u00e1n habilitados a otorgar pr\u00e9stamos en moneda extranjera por hasta el 15%<\/b> <b>de sus dep\u00f3sitos en d\u00f3lares<\/b>, sin limitarse \u00fanicamente a compa\u00f1\u00edas que generen esas divisas o cuenten con garant\u00edas en d\u00f3lares.<\/p>\n<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/VG2HVBH5PFF7JL6RHXWUX664LU.jpg?auth=90c608d06ea0dac8a060d558163663e577e36d5e13d18a3ef646ca96dfd75595&amp;smart=true&amp;width=992&amp;height=661&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/VG2HVBH5PFF7JL6RHXWUX664LU.jpg?auth=90c608d06ea0dac8a060d558163663e577e36d5e13d18a3ef646ca96dfd75595&amp;smart=true&amp;width=768&amp;height=512&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/VG2HVBH5PFF7JL6RHXWUX664LU.jpg?auth=90c608d06ea0dac8a060d558163663e577e36d5e13d18a3ef646ca96dfd75595&amp;smart=true&amp;width=577&amp;height=385&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/VG2HVBH5PFF7JL6RHXWUX664LU.jpg?auth=90c608d06ea0dac8a060d558163663e577e36d5e13d18a3ef646ca96dfd75595&amp;smart=true&amp;width=420&amp;height=280&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/VG2HVBH5PFF7JL6RHXWUX664LU.jpg?auth=90c608d06ea0dac8a060d558163663e577e36d5e13d18a3ef646ca96dfd75595&amp;smart=true&amp;width=350&amp;height=233&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"Seg\u00fan el ministro de Econom\u00eda, Luis Caputo, la flexibilizaci\u00f3n ayudar\u00e1 a reducir las tasas de inter\u00e9s.\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"1280\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/VG2HVBH5PFF7JL6RHXWUX664LU.jpg?auth=90c608d06ea0dac8a060d558163663e577e36d5e13d18a3ef646ca96dfd75595&amp;smart=true&amp;width=350&amp;height=233&amp;quality=85\" width=\"1920\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"13\">\u201cHasta ahora los bancos con sus dep\u00f3sitos en d\u00f3lares le pod\u00edan prestar a las empresas que generaban d\u00f3lares o ten\u00edan la garant\u00eda de empresas que generaban d\u00f3lares. Hoy estamos extendiendo esa posibilidad a todas las empresas, pero dentro de un marco macroprudencial. Solo van a poder prestar los bancos hasta un 15% de los dep\u00f3sitos en d\u00f3lares\u201d, detall\u00f3 Caputo.<\/p>\n<div class=\"ad_4 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_4\" data-ad-slot=\"infobae\/economia\/nota\/ad_4\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_4\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_4\" class=\"infobae\/economia\/nota\/ad_4 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_4\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"14\">El ministro de Econom\u00eda se\u00f1al\u00f3 que la iniciativa busca aumentar el volumen de cr\u00e9dito disponible, en respuesta a los reclamos de sectores industriales, especialmente la construcci\u00f3n, que opera en d\u00f3lares y emplea a un gran n\u00famero de personas, as\u00ed como la automotriz. Seg\u00fan Caputo, \u201c<b>Hoy nos parece que es el timing apropiado porque por un lado, las tasas en pesos todav\u00eda son altas<\/b>, y esas tasas altas para muchos de los negocios hacen que sea m\u00e1s dificultoso hacerlo rentable y tambi\u00e9n es importante por el lado de la Ley de Inocencia Fiscal. El objetivo es que haya un mayor cr\u00e9dito\u201d.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"15\">Sobre la operatoria, Caputo explic\u00f3 que las empresas que accedan a estos pr\u00e9stamos <b>deber\u00e1n vender los d\u00f3lares en el Mercado Libre de Cambio (MLC) y transformarlos en pesos<\/b>, evitando as\u00ed el efecto multiplicador y contribuyendo a una mayor oferta de d\u00f3lares.<\/p>\n<div class=\"ad_5 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_5\" data-ad-slot=\"infobae\/economia\/nota\/ad_5\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_5\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_5\" class=\"infobae\/economia\/nota\/ad_5 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_5\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"16\">En relaci\u00f3n con las tasas de inter\u00e9s de estos cr\u00e9ditos, el ministro aclar\u00f3 que depender\u00e1n del mercado y que \u201cno pueden saber\u201d. \u201cEl objetivo es que las empresas tengan una opci\u00f3n de financiamiento a una tasa razonable y que el depositante tenga un inter\u00e9s que le justifique sacar los d\u00f3lares del colch\u00f3n. La tasa la determinar\u00e1 el mercado\u201c, marc\u00f3.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>13 Ago, 2026 05:07 p. m. EST Guardar Tras la flexibilizaci\u00f3n de cr\u00e9ditos a empresas que anunci\u00f3 el Ministerio de Econom\u00eda, el Banco Central de la Rep\u00fablica Argentina (BCRA) adecu\u00f3 la normativa para ampliar el universo permitido del financiamiento en moneda dura a personas jur\u00eddicas no generadoras de divisas. La letra chica del BCRA permitir\u00e1 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1879,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-22097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/22097","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=22097"}],"version-history":[{"count":0,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/22097\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/media\/1879"}],"wp:attachment":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=22097"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=22097"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=22097"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}