En un escenario financiero marcado por el deterioro de la capacidad de pago de los hogares, el sistema bancario argentino pas\u00f3 a p\u00e9rdida un total de 143 mil cr\u00e9ditos considerados de imposible cobro. De acuerdo con los \u00faltimos datos preliminares del Banco Central de la Rep\u00fablica Argentina (BCRA), el volumen de la cartera castigada asciende a $4,4 billones, abarcando operaciones tanto en moneda local como en d\u00f3lares.<\/p>\n\n\n\n
El pase a p\u00e9rdida o \u00abcastigo<\/strong>\u00bb de estos activos representa la instancia final en el tratamiento contable del cr\u00e9dito en mora. Ocurre cuando las entidades agotan las v\u00edas habituales de refinanciaci\u00f3n y cobranza previa, registrando la incobrabilidad directamente en sus balances.<\/p>\n\n\n\n Para intentar recuperar al menos una fracci\u00f3n del capital volcado a la plaza, diversos bancos han comenzado a ejecutar ventas de cartera de deuda incobrable. Estas operaciones se concretan mediante licitaciones en las que estudios jur\u00eddicos y agencias especializadas de cobranza adquieren los paquetes morosos a un porcentaje reducido de su valor nominal. Posteriormente, estos compradores inician gestiones extrajudiciales o judiciales intensivas para forzar el pago a los deudores originarios.<\/p>\n\n\n\n La contracara de este fen\u00f3meno de mora crediticia es la persistente fragilidad en las condiciones socioecon\u00f3micas. Seg\u00fan un reciente informe oficial del sistema de protecci\u00f3n social, el 36% de los ni\u00f1os y adolescentes menores de 17 a\u00f1os en el pa\u00eds cobra actualmente la Asignaci\u00f3n Universal por Hijo (AUH), habi\u00e9ndose acreditado su situaci\u00f3n de vulnerabilidad social para acceder al beneficio.<\/p>\n\n\n\n El cruce entre la ca\u00edda en el cumplimiento del cr\u00e9dito bancario y la elevada cobertura de los programas de asistencia directa refleja la presi\u00f3n que sufren los ingresos familiares en el contexto actual, restringiendo el margen de maniobra de la banca comercial para sostener el cr\u00e9dito al consumo sin incurrir en mayores previsiones por riesgo de incobrabilidad.<\/p>\n\n\n\n <\/p>\n","protected":false},"excerpt":{"rendered":" En un escenario financiero marcado por el deterioro de la capacidad de pago de los hogares, el sistema bancario argentino pas\u00f3 a p\u00e9rdida un total de 143 mil cr\u00e9ditos considerados de imposible cobro. De acuerdo con los \u00faltimos datos preliminares del Banco Central de la Rep\u00fablica Argentina (BCRA), el volumen de la cartera castigada asciende 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