Llegó el temido mes de marzo y con él se deja ver la compleja situación económica y financiera que afecta a todo el territorio nacional. El contexto país no se vislumbra para nada favorable; hoy observamos un incremento en la inflación, aumento de las tasas de interés, término de las ayudas directas a la población (IFE universal) y la casi nula posibilidad de que exista un nuevo retiro de fondos previsionales. Todo lo anterior se traduce en una baja inmediata en la liquidez de los ciudadanos.
Asimismo, los informes comerciales de la Comisión para el Mercado Financiero y Equifax, proyectan un alza en la morosidad desde el segundo trimestre 2022. Dicho escenario, que se complementa con las problemáticas acarreadas tras el estallido social, las restricciones de movilidad que hubo por la pandemia y el alza en el desempleo y cierre de empresas, trajo como consecuencia que personas y empresarios que tenían una situación relativamente estable se vieran fuertemente afectados.
“Este primero de marzo ingresaremos la quiebra número 100 del primer bimestre (enero-febrero) de 2022, cerca de un 30% superior si se compara con el mismo período del año anterior. Y tenemos 800 quiebras más que están en tramitación para ser ingresadas a tribunales. En consecuencia, tenemos casi un millar de sueños truncados, casi un millar de casos de inocentes que estamos asesorando como estudio jurídico, que hasta antes del estallido social y la pandemia por coronavirus jamás pensaron que iban a tener una situación de insolvencia y morosidad”, reflexionó.
Esta crisis financiera afecta a todos los rincones del país. Solo los equipos de defensadeudores.cl han ingresado más de 1700 solicitudes de quiebra en todo Chile desde el comienzo de la pandemia (2020), donde las regiones con más casos han sido la Región del Maule, Bío Bio, y en caso de la zona norte se encuentra Atacama y Antofagasta.
PYMES: LAS MÁS AFECTADAS
Sin lugar a duda, las Pequeñas y Medianas Empresas son las que se han visto más perjudicadas frente a esta crisis financiera. “Cabe destacar que según el informe de “Análisis descriptivo del impacto de la pandemia sobre las empresas en Chile”, publicado por la Unidad de Estudios División Política Comercial e Industrial, del Ministerio de Economía, Fomento y Turismo, en julio de 2021, el 62,4% de las empresas registró una disminución en sus ventas entre 2019 y 2020 y lo anterior no es un fenómeno que se presentó de manera homogénea, ya que las microempresas fueron el segmento más golpeado, tanto en la proporción de empresas que experimentó una caída en sus ventas (63,1%), como en la magnitud de la disminución (-37,5%)”, aclara Ibáñez.
El abogado hace hincapié en mencionar que “el sistema financiero responde cuidando sus propios intereses, aumentando provisiones, y en el caso del actual gobierno, tomando medidas macroeconómicas como subir las tasas de interés para frenar el fenómeno inflacionario. Sin embargo, todas estas medidas no hacen sino profundizar más la aguda crisis que viven las familias en Chile, las cuales han debido sobrevivir en base a la solicitud de créditos de consumo y el uso de tarjetas comerciales”.
Frente a este escenario y, como manera de frenar una posible expansión de la Crisis de los Inocentes, el fundador de defensadeudores.cl señaló que es posible salir adelante, siempre teniendo en cuenta la importancia de una correcta asesoría jurídica.
“Hoy nos enfrentamos al gran desafío que es otorgar soluciones ágiles y oportunas a todos los ciudadanos y microempresas que se encuentran ad-portas de enfrentar una situación de insolvencia. En el caso de las pequeñas y medianas empresas, hay alternativas como el Estatuto Pyme, mecanismo que evita caer en un estado de insolvencia; y todas aquellas pymes que no pueden superar lo anterior, tienen la opción de acogerse a la Ley 20.720 (Ley de Insolvencia) a través de la cual es posible generar una liquidación o quiebra de manera ordenada, permitiendo así la rehabilitación financiera del dueño de la empresa”, concluyó.
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