{"id":2001,"date":"2018-08-08T22:26:01","date_gmt":"2018-08-08T22:26:01","guid":{"rendered":"http:\/\/quehacerpolitico.mx\/erroneo-comparar-comisiones-de-bancos-en-mexico-y-espana-abm\/"},"modified":"2018-08-08T22:26:01","modified_gmt":"2018-08-08T22:26:01","slug":"erroneo-comparar-comisiones-de-bancos-en-mexico-y-espana-abm","status":"publish","type":"post","link":"https:\/\/quehacerpolitico.mx\/?p=2001","title":{"rendered":"Err\u00f3neo, comparar comisiones de bancos en M\u00e9xico y Espa\u00f1a: ABM"},"content":{"rendered":"

El presidente de la Asociaci\u00f3n de Bancos de M\u00e9xico (ABM), Marcos Mart\u00ednez, dijo que la comparaci\u00f3n en el cobro de comisiones de las instituciones financieras que operan en M\u00e9xico respecto de sus matrices en Espa\u00f1a, realizada por la Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de los Usuarios de los Servicios Financieros (Condusef), es err\u00f3nea al no considerar factores como tama\u00f1o del mercado, grado de penetraci\u00f3n de cr\u00e9dito, uso de productos, entre otros servicios.<\/p>\n

\n
“Una comparaci\u00f3n en fr\u00edo no es correcta y lleva a equivocaciones”.<\/div>\n<\/div>\n

“En M\u00e9xico, el porcentaje de penetraci\u00f3n del cr\u00e9dito como proporci\u00f3n del Producto Interno Bruto es del 37% y en Espa\u00f1a es de 107 por ciento. Cuando se tiene ese escenario el margen por intermediaci\u00f3n de cr\u00e9dito pesa mucho m\u00e1s que las comisiones, por mencionar un ejemplo”, dijo Mart\u00ednez.<\/p>\n

La semana pasada, la Condusef mostr\u00f3 una revisi\u00f3n de comisiones que cobran los bancos en M\u00e9xico, las cuales representan 30% de sus ganancias y dijo que ante la competencia y nuevas tecnolog\u00edas los bancos tienen espacio para reducir este cobro que hacen a sus clientes.<\/p>\n

\n

“El nivel de comisiones es el mejor que ha habido”, respondi\u00f3 sobre el tema el presidente de la ABM.<\/p>\n<\/blockquote>\n

En opini\u00f3n de Mart\u00ednez, en a\u00f1os recientes las comisiones que cobran los bancos se han reducido, principalmente en el producto que m\u00e1s caro cobra el servicio, que son las tarjetas de cr\u00e9dito.<\/p>\n

“El cr\u00e9dito de la tarjeta ha crecido 2.4% en t\u00e9rminos reales y las comisiones han crecido 0.9%”, a\u00f1adi\u00f3.<\/p>\n

Mart\u00ednez insisti\u00f3 en que no son comparables las comisiones que se cobran en M\u00e9xico por parte de los bancos en los diversos servicios que ofrecen a sus clientes con otros pa\u00edses.<\/p>\n

“No necesariamente es que cobremos m\u00e1s comisiones. Son distintas las culturas y distintos los pesos que tienen las actividades en cada uno de los bancos”, a\u00f1adi\u00f3.<\/p>\n

Mart\u00ednez dijo que es trabajo de la Condusef se\u00f1alar el rango de comisiones que cobran los bancos en M\u00e9xico pero dijo que el an\u00e1lisis debe considerar varios factores de la actividad financiera de cada pa\u00eds.<\/p>\n

“Habr\u00eda que ver el contexto global y eso es lo que pasa cuando se contestan esas cosas y se comparan peras con manzanas”, dijo.<\/p>\n","protected":false},"excerpt":{"rendered":"

Resaltan que no se consideran factores como el tama\u00f1o del mercado, grado de penetraci\u00f3n de cr\u00e9dito, uso de productos, entre otros servicios
\nPor Redacci\u00f3n QP<\/p>\n","protected":false},"author":2,"featured_media":2000,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[56],"tags":[],"class_list":["post-2001","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia"],"yoast_head":"\nErr\u00f3neo, comparar comisiones de bancos en M\u00e9xico y Espa\u00f1a: ABM -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/quehacerpolitico.mx\/?p=2001\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Err\u00f3neo, comparar comisiones de bancos 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