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Análisis: Alineamiento, clasificación crediticia en el sistema financiero

La prensa

En una oportunidad anterior, informamos acerca del reporte de los clientes de las empresas del sistema financiero ante la Central de Riesgos de la Superintendencia de Banca, Seguros y AFP (SBS). Ahora escribiremos sobre uno de los criterios generales para la clasificación crediticia del deudor de una empresa del sistema financiero conocido como el “alineamiento”.

El inciso “d” del numeral 5.2. de la Resolución SBS N° 11356-2008, conocido como Reglamento de Evaluación y Clasificación del Deudor y exigencia de provisiones, establece que cuando el deudor tenga créditos en dos o más empresas del sistema financiero será clasificado en la categoría de mayor riesgo que le hubiere asignado cualquier entidad financiera, cuyas acreencias representen como mínimo el 20% en el sistema financiero. Esto hace que pueda reportarlo hasta con un nivel de discrepancia respecto a la categoría.

En este sentido, es necesario precisar los criterios que establece esta norma para que las empresas del sistema financiero realicen el alineamiento, que se realizará de forma mensual y considerará la clasificación del deudor en base a la última información disponible remitida a la Central de Riesgos de la SBS.

Por citar un ejemplo, si un cliente tiene una deuda total en el sistema financiero ascendente a 220 000 soles y el Banco A lo reporta en la categoría ‘Pérdida’ por una deuda atrasada de 200 000 soles, el Banco B deberá realizar el “alineamiento” reportándolo en la categoría Pérdida o con un nivel de discrepancia (en este caso, como “dudoso”), debido a que la deuda con el “Banco A” representa el 90% de la deuda total del cliente en el sistema financiero, es decir, más del 20% señalado por el Reglamento.

Así, el comportamiento de un cliente en el pago de sus deudas frente a una empresa del sistema financiero, influirá en la clasificación que le otorguen el resto de empresas del mismo rubro ante la Central de Riesgos de la SBS, en virtud del alineamiento. Lo anterior se debe a que estas empresas se encuentran obligadas a informar periódicamente a la Central de Riesgos de la SBS los riesgos por endeudamientos financieros de sus clientes. Esto se hace con la finalidad de proveer un registro consolidado del historial crediticio de los clientes que han accedido al sistema financiero y operar como una fuente de información que permita evaluar la capacidad de endeudamiento.

Es importante mencionar que es común que las empresas del sistema financiero que han realizado el alineamiento reciban de parte de sus clientes reclamos por cuanto consideran que la clasificación otorgada resulta ser errónea. Esto se debe a que el alineamiento es poco conocido entre los clientes del sistema financiero, pero resulta ser una herramienta eficaz que ayuda a las empresas que otorgan créditos a tener una perspectiva más amplia respecto de su cliente, lo que reduce el riesgo de irrecuperabilidad del dinero prestado que proviene principalmente de los ahorristas de las empresas.

Asimismo, cabe precisar que, en caso un cliente considere que el reporte otorgado por una empresa del sistema financiero es erróneo, puede acercarse a presentar su reclamo ante el mismo proveedor, el Indecopi o la Plataforma de Atención al Usuario de la SBS.

Jhordan Pinillos
Abogado especialista en Derecho del Consumidor y estudiante de la Maestría en Derecho de la Empresa de la Pontificia Universidad Católica del Perú (PUCP).
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    Mayo 26, 2018 at 3:50 am

    Hey, whats up with the "my_messages" page forwarding me to some page "inbox" that looks like the bastard child of gmail (which also, by the way, completely sucks for a lot of the same reasons)?The new format COMPLETELY SUCKS. It won't work with tabbed browsing at all, and when I click on video comments to read comments, instead of going to the comment page, the damned thing takes me to the page with the VIDEO on it, and only a sprinkle of comments. Which is USELESS.CHANGE IT BACK, THE NEW SYSTEM SUCKS.

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