Impuestos, como traba al crecimiento | ABA | Asociación de Bancos de la Argentina

Artículo publicado por La Voz del Interior sobre informe de IERAL encargado por las cámaras bancarias

Fuente: La Voz del Interior
Por: Paula Martínez
24.8.21

 

El sistema financiero es conocido como el “lubricante” de una economía: cumple el importante rol de intermediación entre quienes ahorran y quienes necesitan financiar el consumo y la inversión, y esto ayuda a movilizar la actividad Desde el Estado, se le reconoce ese papel al incentivar préstamos subsidiados para el consumo o la producción.

Es un tema bastante conocido que la presión fiscal de la economía argentina es muy elevada, sobre todo para quienes trabajan totalmente en la formalidad Sin embargo, son menos evidentes los impuestos que se pagan ocultos en distintas transacciones, porque quien soporta ese costo no presenta una declaración jurada ni realiza un desembolso directo al fisco.

Sin embargo, estos tributos no son pocos y una de las actividades que tiene la carga fiscal más elevada es la intermediación financiera Los distintos niveles de gobierno, en especial provincias y municipios, lo fueron incrementando con un argumento que queda bien a los ojos de la sociedad pero que, en definitiva, terminan pagando consumidores y empresas.

El hecho de que “los bancos paguen más impuestos” termina encareciendo las operaciones del sector y el financiamiento que necesitan las familias y la producción para crecer.

El Ieral de Fundación Mediterránea puso números a este costo y al incremento de los últimos años, en un trabajo realizado para las dos asociaciones de bancos privados del país (Adeba y ABA): de cada mil pesos que paga una persona en los intereses de un préstamo personal, sólo 560 pesos quedan en los bancos y 440 van a los tres niveles del Estado en forma de tributos diversos.

Los impuestos que gravan el financiamiento de los privados en Argentina son varios: Impuesto al Valor Agregado (IVA), a los Débitos y Créditos Bancarios (al “cheque”), a nivel nacional; Sellos e Ingresos Brutos, en el ámbito provincial, y tasas municipales (cuyos nombren varían en cada jurisdicción).

Así, el costo de un préstamo personal para individuos se encarece en un 42,5 por ciento por la presión tributaria: en el ejemplo de que el banco cobre una tasa de interés del 40 por ciento nominal anual, el costo financiero total (CFT) terminaría en 57 por ciento.

Para las empresas, el impacto es algo menor porque se aplica una alícuota reducida de IVA, pero aun así subiría 7,3 o 12,2 puntos porcentuales (un 18,3 o 30 por ciento más) según se pueda utilizar o no el crédito fiscal abonado.

El costo impositivo incluido en el financiamiento fue aumentando en los últimos años debido a la suba de tasas provinciales y municipales. En 2019 y 2020, por el Consenso Fiscal de las provincias hubo una leve baja, pero esto se eliminó y en 2021 la carga es aún superior al pico de 2016.

Por caso, la alícuota promedio de Ingresos Brutos sobre el sector ban- cario pasó de 3,8 por ciento entre 2005 y 2008 a ocho por ciento en 2021 en las cinco jurisdicciones más pobladas.

En el segmento municipal, la evolución fue creciente desde 2011. El promedio de 12 municipios grandes de Córdoba, Buenos Aires y Santa Fe pasó de 3,5 por ciento a 4,8 por ciento en la última década.

En ambos niveles de gobierno, los cordobeses llevan las de perder: en Ingresos Brutos, tienen la alícuota más alta (nueve por ciento); en la tasa municipal, la ciudad de Córdoba aplica el 7,25 por ciento.

En definitiva, son costos que termina soportando el consumidor cuando saca su plan “Ahora 12” (en la versión que sea) o cuando las empresas financian su capital de trabajo o sacan una línea para invertir, y ello representa una piedra más en la posibilidades de recuperación de la economía.

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