{"id":31062,"date":"2022-01-06T04:25:33","date_gmt":"2022-01-06T04:25:33","guid":{"rendered":"https:\/\/acl.com.ec\/?p=31062"},"modified":"2022-01-06T04:31:41","modified_gmt":"2022-01-06T04:31:41","slug":"regulacion-del-registro-de-creditos-externos-al-sector-privado","status":"publish","type":"post","link":"https:\/\/acl.com.ec\/en\/regulacion-del-registro-de-creditos-externos-al-sector-privado\/","title":{"rendered":"Regulaci\u00f3n del Registro de cr\u00e9ditos externos al sector privado"},"content":{"rendered":"
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

REGULACI\u00d3N DEL REGISTRO DE CR\u00c9DITOS EXTERNOS AL SECTOR PRIVADO\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

\u00bfQu\u00e9 es un cr\u00e9dito externo<\/b>?<\/b><\/h2>

Art 1- Un cr\u00e9dito externo es la operaci\u00f3n en la que el acreedor entrega recursos monetarios o bienes al deudor, quien se compromete al pago bajo condiciones financieras.<\/span><\/p>

Los cr\u00e9ditos pueden ser pactados por personas naturales o jur\u00eddicas domiciliadas en el Ecuador.<\/span><\/p>

El financiamiento propio por aportes, emisi\u00f3n o enajenaci\u00f3n de acciones y otros instrumentos que sean econ\u00f3micamente equivalentes, no ser\u00e1 considerado cr\u00e9dito externo.<\/span><\/p>

\u00bfCu\u00e1l es el registro<\/b>?<\/b><\/p>

Art 2. El Banco Central del Ecuador registrar\u00e1 los cr\u00e9ditos que impliquen desembolsos de recursos monetarios y\/o adquisici\u00f3n e importaci\u00f3n de bienes, cuando dichas operaciones sean por un plazo igual o superior a 180 d\u00edas.<\/span><\/p>

El Banco Central tambi\u00e9n registrar\u00e1 los pagos efectuados por amortizaci\u00f3n de los cr\u00e9ditos externos registrados.<\/span><\/p>

Art. 3 – Para el registro de un cr\u00e9dito externo, el deudor deber\u00e1 presentar al Banco Central del Ecuador lo siguiente;<\/span><\/p>

  1. Formulario que para el efecto que determine el Banco;\u00a0 el cual contiene informaci\u00f3n relacionada con el destino del cr\u00e9dito, las condiciones del endeudamiento y la relaci\u00f3n entre el deudor y acreedor.<\/span><\/li>
  2. Documento de la entidad financiera ecuatoriana que certifique el ingreso al Ecuador y acreditaci\u00f3n del dinero en la cuenta del deudor, trat\u00e1ndose de cr\u00e9ditos con desembolsos monetarios.<\/span><\/li><\/ol>

    Cuando se haya financiado con operaciones del comercio exterior\u00a0 de bienes, se debe presentar la Declaraci\u00f3n Aduanera de Importaci\u00f3n a nombre del deudor;<\/span><\/p>

    1. Copia de la declaraci\u00f3n juramentada ante el notario p\u00fablico, en la cual declare a t\u00edtulo personal la responsabilidad tributaria, civil y penal.<\/span><\/li><\/ol>

      Art 4- El Banco Central del Ecuador registrar\u00e1 los cr\u00e9ditos externos en la moneda que contrate.<\/span><\/p>

      Art. 5- El Banco Central del Ecuador habilitar\u00e1 al Servicios de Rentas Internas, el acceso al sistema de informaci\u00f3n que tenga disponible para el registro de cr\u00e9ditos externos, para que realice las revisiones que considere necesarias.\u00a0\u00a0<\/span><\/p>

      Art 5- Corresponde al deudor que registre el cr\u00e9dito externo y sus pagos, la veracidad de todas la informaci\u00f3n consignada en los formularios y dem\u00e1s documentos que remita al Banco central del Ecuador, para el efecto.<\/span><\/p>

      \u00a0<\/span><\/p>

      Base legal<\/b><\/em><\/p>

      Resoluci\u00f3n Nro. JPRM- 2021-004- M de la Junta de Pol\u00edtica y Regulaci\u00f3n Monetaria<\/span><\/em><\/p>

      Banco Central del Ecuador.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

      \n\t\t\t\t\t\t
      \n\t\t\t\t\t
      \n\t\t\t
      \n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
      \n\t\t\t\t\t\t
      \n\t\t\t\t\t
      \n\t\t\t
      \n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
      \n\t\t\t\t\t\t
      \n\t\t\t\t\t
      \n\t\t\t
      \n\t\t\t\t\t\t
      \n\t\t\t\t
      \n\t\t\t\t\t\t\t\t\t

      Ante cualquier duda, comun\u00edquese con nosotros<\/p>

      info@acl.com.ec<\/p>

      \u00a1S\u00edganos en Redes Sociales!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

      \n\t\t\t\t
      \n\t\t\t\t\t\t\t
      \n\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\tFacebook<\/span>\n\t\t\t\t\t\t<\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\tYoutube<\/span>\n\t\t\t\t\t\t<\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\tLinkedin<\/span>\n\t\t\t\t\t\t<\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\tInstagram<\/span>\n\t\t\t\t\t\t<\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

      REGULACI\u00d3N DEL REGISTRO DE CR\u00c9DITOS EXTERNOS AL SECTOR PRIVADO \u00bfQu\u00e9 es un cr\u00e9dito externo? Art 1- Un cr\u00e9dito externo es la operaci\u00f3n en la que el acreedor entrega recursos monetarios o bienes al deudor, quien se compromete al pago bajo condiciones financieras. Los cr\u00e9ditos pueden ser pactados por personas naturales o jur\u00eddicas domiciliadas en el […]<\/p>","protected":false},"author":3,"featured_media":31064,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","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":"","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-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":"","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-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":"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":""},"mobile":{"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":""}},"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-31062","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-uncategorized","post_format-post-format-image"],"_links":{"self":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/31062","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/comments?post=31062"}],"version-history":[{"count":9,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/31062\/revisions"}],"predecessor-version":[{"id":31072,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/31062\/revisions\/31072"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media\/31064"}],"wp:attachment":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media?parent=31062"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/categories?post=31062"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/tags?post=31062"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}