Inequidad de Género del Sistema Financiero 2020

Por María Loreto Ferrari, Prorrectora Universidad de Las Américas.
 
 
Señor director:
 
Hace pocos días se entregó la 19° versión del Informe de Género del Sistema Financiero 2020. El informe muestra avances en relación al acceso a servicios y productos financieros, pero también inequidad en las condiciones de acceso a créditos entre hombres y mujeres. 
 
En concreto, a pesar de que las mujeres son mejores pagadoras, tiene un menor porcentaje de carga financiera y son más conservadoras en su estructura de deuda -ya que se endeudan para acceder a soluciones hipotecarías y en menor escala para consumo-, cuando piden financiamiento reciben menos aprobaciones, menos montos y con tasas de interés más altas.
 
 
Si bien existe un componente de estas diferencias que reflejan brechas económicas del mercado del trabajo, existen otros factores que dan cuenta de una realidad vergonzosa: gran parte de estas diferencias obedece a prejuicios.
 
 
En julio de 2020 se publicó una investigación financiada por el BID (“De mal gusto: Discriminación de género en el mercado de créditos de consumo”), en la cual se simularon solicitudes de crédito para hombres y mujeres de características similares con 600 agentes de la banca local, y determinaron que, frente a dos solicitudes idénticas, una mujer en Chile tiene un 18% menos de probabilidades de aprobación que un hombre.
 
 
Lo más increíble es que el estudio determina que gran parte de esta diferencia proviene de ejecutivos hombres con prejuicios de género. Entre estos ejecutivos, las tasas de aprobación para las mujeres resultaron un 54% más bajas que las de los hombres, y al momento de relatar sus problemas con clientas, éstos obedecen en mayor medida a temas de interrelación, siendo el más relevante el que las mujeres somos demasiado exigentes y requerimos respuestas rápidas.
 
 
La implementación de políticas públicas en equidad de género se topa constantemente con convicciones atávicas de nuestra sociedad respecto del rol de la mujer, que probablemente una nueva generación de mujeres trabajadoras contribuirá a cambiar. Mientras tanto, a la hora de nuestra relación con la banca, es mejor buscar una ejecutiva mujer.
 

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