PRESENTARON EL PROYECTO FONDOS GARANTÍA SAN LUIS PARA QUE EMPRESAS LOCALES ACCEDAN A CRÉDITOS
Funcionarios de la Secretaría de Finanzas del Gobierno se reunieron este lunes con senadores provinciales para presentarles el proyecto de ley Fondos Garantía San Luis que se caracteriza por la creación de una Sapem (Sociedad Anónima con Participación Estatal Mayoritaria) que tendrá como finalidad otorgar garantías a empresas de la provincia para que obtengan créditos bancarios. San Luis tiene 4.150 MiPyMEs que podrían ser beneficiarias de esta iniciativa una vez que sea promulgada.
“El Fondo de Garantía pretende llegar a las empresas como un intermediario entre la empresa y las entidades financieras garantizando los créditos. La empresa solicita el crédito en una entidad bancaria y el Fondo de Garantía lo que hace es ofrecerse como garantía de ese crédito con la máxima garantía que puede recibir cualquier institución financiera”, explicó Silvia Sandoni, jefa programa Beneficio Fiscal de la Secretaría de Finanzas. Un dato que agregó es que hay ocho provincias que trabajan con este tipo de garantía.
La funcionaria calificó al proyecto de ley como beneficioso para la sociedad porque tiene como objetivo la reactivación económica otorgando una mayor rapidez del acceso a los créditos para las empresas.
Una vez que la ley sea sancionada y reglamentada, la Sapem Fondos Garantía San Luis deberá firmar convenios con los bancos con sucursales en la provincia para poder ser garante de las Pymes locales.
La Sapem cobrará “una pequeña comisión”, no estipulada por ahora, a las empresas, pero Sandoni afirmó que al tratarse de una empresa estatal “no tiene ningún tipo de interés comercial y será muchísimo menor que la del mercado”.
Para acceder a la garantía estatal, la empresa deberá ser pequeña o mediana y contar tener como requisito fundamental el certificado MiPyme. También se deberá contar con una solvencia financiera para hacer frente al pago del crédito que se solicitará. “Si la empresa no responde, el que está respondiendo es el Gobierno con este fondo de garantía”, dijo Sandoni.
Obviamente, el banco es quien otorga el crédito con una tasa que depende de cada banco, “pero que se supone que es mucho más baja estamos ofreciendo la máxima garantía que puede tener entidad financiera”, explicó la funcionaria. Por ejemplo, las tasas del Banco Nación están en el 49% en algunas líneas de crédito, según comentó la titular de Beneficio Fiscal. Además, están las líneas de créditos del Banco Nación que tienen tasa de interés subsidiada por el Gobierno provincial.
Hacia el final de la conferencia de prensa, le jefa de programa indicó que la Sapem no tiene fines de lucro, y que en caso de que haya ganancias, se reinvertirán.
Por otra parte, Fondos Garantía San Luis no tiene un presupuesto establecido y el proyecto tampoco fija que un porcentaje del presupuesto anual del Gobierno. El proyecto sí establece que el presupuesto 2023 pueda ser modificado para que se destine una partida para la Sapem Fondos Garantía San Luis.
Según datos provisorios del censo nacional económico del Indec, San Luis tiene 4.203 empresas con fines de lucro de las cuales, el 79,7% son microempresas, el 14,8% son pequeñas, el 4,3% son medianas y el 1,2% son grandes.
El senador Daniel Camilli estimó que el proyecto será tratado en sesión del martes de la semana que viene. Posteriormente, la Cámara de Diputados será la encargada de la sanción.
Fuente: La Gaceta Digital.
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