El sector financiero colombiano, se ha destacado por el crecimiento experimentado en las últimas dos décadas, se han visto importantes avances en la cobertura de mercado, en número de entidades, en la diversidad de las ofertas, en la solidez del sistema, en los ámbitos regulatorios y como un referente de adopción y ejecución de buenas prácticas a nivel mundial.
Uno de los retos más importantes, no solo del sistema financiero, sino de los gobiernos, es la inclusión financiera. El Banco Mundial la define como la capacidad de las personas y los hogares para participar en los mercados financieros formales, este término se refiere a la posibilidad de que estos usuarios puedan acceder a servicios como la banca, los seguros, el crédito y el ahorro.
Al tratar la relación del sector con el crédito, surge un servicio financiero importante y de alto nivel, el cual permite facilitar el otorgamiento o la oferta de recursos, mientras se protegen los principales activos del sistema y del ecosistema financiero, a través de las garantías. Garantisa tiene un eje especializado en la gestión del riesgo (contra riesgo), durante 25 años ha sido un líder en servicios y estructuración de productos financieros, como garante que brinda soluciones de administración de riesgo de crédito para dinamizar la economía y el logro de resultados sociales y comerciales. Las garantías de garantisa, son una herramienta muy potente para todos los sectores que desean contar con una importante alternativa para administrar el riesgo y de esta forma aportar a la innovación de los servicios financieros.
Actividad financiera de los usuarios
En el año 2020, el 87,8% de 32 millones de colombianos contaron con algún producto financiero y el 72,6% tuvo productos activos en el sistema financiero.
De acuerdo con las variables en los mercados, es importante contar con estrategias que cubran el riesgo de crédito como un complemento importante a todo el proceso de la gestión adecuada en la financiación de recursos, impactando desde la colocación del crédito al contar con la garantía que respalda el no pago de las obligaciones, durante la evolución en el tiempo como parte de la administración del riesgo y en la gestión de la recuperación de los recursos de crédito generando la liquidez necesaria a las entidades. Garantisa se ha concentrado en contribuir desde sus servicios a todo el ciclo del crédito.
Las empresas Fintech, son jugadoras clave en la inclusión financiera
En los últimos años, las Fintech han surgido como una nueva fuerza en el sector financiero. Estas empresas utilizan la tecnología para mejorar la eficiencia de los productos y servicios financieros, impactando en los índices de inclusión financiera. También proporcionan soluciones innovadoras para consumidores y empresas, enfocándose en la facilidad y la accesibilidad a herramientas o alternativas a los colombianos como lo son la administración de finanzas personales, alternativas para el ahorro y el crédito, por esto es importante continuar promoviendo la inclusión financiera en el país. Un ejemplo de esto son los Neobancos que ofrecen cuentas de ahorro gratuitas a clientes no bancarizados.
De manera similar, algunas empresas del ecosistema financiero, como las Fintech, permiten que las personas sin antecedentes crediticios soliciten préstamos personales y en estos casos se pueden emplear las diferentes estrategias de contra riesgo como los son las garantías que ofrece garantisa. Con estas alianzas las entidades pueden trabajar juntos para escalar rápidamente y lograr grandes metas.
La garantía de crédito puede utilizarse como una garantía de pago
La garantía de crédito puede considerarse una estrategia inteligente, ya que es una herramienta muy importante para la financiación de proyectos, planes o necesidades, brinda protección contra el incumplimiento, recupera parte o el total de los recursos comprometidos y da a la entidad de crédito la confianza para que continue en su actividad financiera y, por ende, dinamizando el mercado.
En esto juega un papel muy importante la tecnología, ya que producen que los servicios financieros sean más accesibles al reducir costos y mejorar la eficiencia.
Actualmente, garantisa participa de forma activa en el desarrollo económico y social, facilitando el acceso a recursos y desempeñando un papel importante en la consolidación de la industria de las garantías.
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