{"id":3079,"date":"2026-04-28T02:52:11","date_gmt":"2026-04-28T05:52:11","guid":{"rendered":"https:\/\/hiox.com.ar\/hiox\/las-causas-de-la-mora-en-los-creditos-bancarios\/"},"modified":"2026-04-28T02:52:11","modified_gmt":"2026-04-28T05:52:11","slug":"las-causas-de-la-mora-en-los-creditos-bancarios","status":"publish","type":"post","link":"https:\/\/hiox.com.ar\/hiox\/las-causas-de-la-mora-en-los-creditos-bancarios\/","title":{"rendered":"Las causas de la mora en los cr\u00e9ditos bancarios"},"content":{"rendered":"

Informaci\u00f3n detallada sobre Las causas de la mora en los cr\u00e9ditos bancarios<\/strong>. Te traemos las \u00faltimas noticias sobre Noticia Infobae, un tema de gran inter\u00e9s para hoy 28 April, 2026.<\/p>\n

\n
\"El<\/p>\n

En el \u00faltimo a\u00f1o, la mora de los cr\u00e9ditos bancarios se increment\u00f3 de forma significativa<\/a>. La tendencia es especialmente notoria en los cr\u00e9ditos personales y en las tarjetas de cr\u00e9dito.<\/p>\n

En econom\u00eda, los problemas suelen desarrollarse gradualmente, impulsados por se\u00f1ales del mercado que se distorsionan. El reciente aumento en los atrasos de pagos por parte de familias y empresas en Argentina est\u00e1 vinculado a una serie de factores consecutivos. La secuencia comenz\u00f3 en 2024: una baja en la tasa de inter\u00e9s incentiv\u00f3 el retorno de la expansi\u00f3n crediticia, lo que llev\u00f3 a una din\u00e1mica de endeudamiento que, despu\u00e9s, se torn\u00f3 insostenible.<\/p>\n

Diversos exponentes de la escuela austr\u00edaca han analizado en detalle la interacci\u00f3n entre pol\u00edtica monetaria y ciclos de cr\u00e9dito. En su obra seminal, La acci\u00f3n humana<\/i>, Ludwig von Mises<\/b>, y Murray Rothbard<\/b> en sus estudios sobre la crisis de 1929, destacan c\u00f3mo los bancos centrales primero impulsan la toma de cr\u00e9ditos con tasas bajas y luego, ante la aceleraci\u00f3n inflacionaria, implementan pol\u00edticas contractivas, subiendo tasas e impactando especialmente a los sectores endeudados.<\/p>\n

\n

Ludwig von Mises, y Murray Rothbard en sus estudios destacan c\u00f3mo los bancos centrales primero impulsan la toma de cr\u00e9ditos con tasas bajas y luego, ante la aceleraci\u00f3n inflacionaria, implementan pol\u00edticas contractivas<\/p>\n<\/blockquote>\n

En el contexto argentino, este patr\u00f3n es f\u00e1cilmente identificable: una tasa de inter\u00e9s mantenida artificialmente baja genera incentivos err\u00f3neos de consumo e inversi\u00f3n, que no corresponden al ahorro real disponible. As\u00ed, se alienta una percepci\u00f3n de abundancia que inevitablemente se ajusta.<\/p>\n

Efectos recientes en familias y empresas<\/h2>\n

En 2024, la tasa de inter\u00e9s descendi\u00f3 y el stock de cr\u00e9ditos personales aument\u00f3 600%, superando ampliamente a la inflaci\u00f3n. Esta expansi\u00f3n fue acompa\u00f1ada por la proliferaci\u00f3n de consumo financiado con cr\u00e9ditos y tarjetas, ya que las tasas reales eran negativas o muy bajas.<\/p>\n

La situaci\u00f3n cambi\u00f3 en 2025: el apret\u00f3n monetario impuso tasas m\u00e1s elevadas. Comenz\u00f3 a observarse un aumento de la insolvencia entre las familias, agudizado por la ca\u00edda en el salario real y la falta de capacidad de repago de quienes se endeudaron en las condiciones previas.<\/p>\n

\"En<\/p>\n

Para mayor claridad, entre 2024 y los primeros meses de 2025, muchas familias aprovecharon los bajos costos financieros para financiar bienes de consumo. Al incrementarse las tasas y desacelerarse la econom\u00eda en 2025, las cuotas antes accesibles pasaron a ser una fuerte carga financiera, lo que impuls\u00f3 la escalada de la mora. Esta evoluci\u00f3n se refleja especialmente en el aumento de la morosidad en tarjetas de cr\u00e9dito y pr\u00e9stamos personales<\/b>.<\/p>\n

Adem\u00e1s, el consumo financiado creci\u00f3 m\u00e1s r\u00e1pido que los ingresos reales<\/b>, generando un desajuste que deriv\u00f3 en atrasos y refinanciaciones forzadas<\/a>. Las empresas tampoco escaparon a esta l\u00f3gica. Muchas se endeudaron en 2024 anticipando una recuperaci\u00f3n econ\u00f3mica que, llegada 2025, no se materializ\u00f3 como se esperaba. <\/p>\n

La suba de tasas y la desaceleraci\u00f3n en las ventas complicaron el repago de esas obligaciones, aumentando as\u00ed la mora empresarial. As\u00ed lo advierte Ludwig von Mises al analizar el ciclo econ\u00f3mico.<\/p>\n

\"La<\/p>\n

El proceso afecta, adem\u00e1s, al sistema financiero<\/b>: un aumento de la mora conduce a restricciones crediticias<\/a>. Los bancos endurecen condiciones, reducen ofertas de pr\u00e9stamos y suben tasas para protegerse. Esto provoca una contracci\u00f3n crediticia que retroalimenta la desaceleraci\u00f3n econ\u00f3mica y afecta la recaudaci\u00f3n fiscal.<\/p>\n

El rol del cr\u00e9dito y el ahorro en Argentina<\/h2>\n

El otorgamiento de cr\u00e9dito depende, en \u00faltima instancia, de la existencia de ahorro genuino, es decir, de ingresos no consumidos que se canalizan al mercado de capitales. <\/p>\n

En Argentina, el nivel de ahorro es muy bajo y, el existente, suele estar dolarizado o fuera del sistema financiero local. As\u00ed, la expansi\u00f3n de los pr\u00e9stamos registrada en 2024 no fue consecuencia de mayores niveles de ahorro, sino del efecto multiplicador propio del sistema bancario sobre el dinero transaccional.<\/p>\n

\n

El nivel de ahorro es muy bajo y, el existente, suele estar dolarizado o fuera del sistema financiero local<\/p>\n<\/blockquote>\n

Ese a\u00f1o, M1 creci\u00f3 117% en t\u00e9rminos nominales, crecimiento que se tradujo en pr\u00e9stamos pero sin respaldo genuino en el ahorro, sino simplemente por expansi\u00f3n monetaria.<\/p>\n

Todo este proceso genera una distorsi\u00f3n en el verdadero precio de coordinaci\u00f3n econ\u00f3mica<\/a>: la tasa de inter\u00e9s. Cuando esa tasa se manipula, lejos de impulsar un desarrollo sostenible, induce a desajustes que, con el tiempo, se traducen en aumentos de la mora y en la necesidad de ajustes posteriores. La experiencia argentina reciente lo confirma: no se trata de una \u201cfalla del mercado\u201d<\/b>.<\/p>\n<\/div>\n<\/div>\n

\n

Esta noticia sobre Las causas de la mora en los cr\u00e9ditos bancarios<\/strong> fue publicada originalmente en Infobae.com<\/a>. Puedes ampliar la informaci\u00f3n siguiendo el enlace a la fuente original: Las causas de la mora en los cr\u00e9ditos bancarios<\/a>.<\/p>\n

Categor\u00eda: Noticia Infobae | Fecha: 28 April, 2026<\/small><\/p>\n","protected":false},"excerpt":{"rendered":"

La escalada de los atrasos en pagos de pr\u00e9stamos personales y tarjetas de cr\u00e9dito surge tras un per\u00edodo de tasas de inter\u00e9s bajas y expansi\u00f3n crediticia sin respaldo de ahorro genuino en el sistema financiero local<\/div>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[23],"tags":[25,27,24,26],"class_list":["post-3079","post","type-post","status-publish","format-standard","hentry","category-noticias","tag-infobae","tag-informacion-general","tag-noticias","tag-novedades"],"yoast_head":"\nLas causas de la mora en los cr\u00e9ditos bancarios - HIOX<\/title>\n<meta name=\"description\" content=\"Las causas de la mora en los cr\u00e9ditos bancarios. 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