{"id":6963,"date":"2009-10-21T12:23:00","date_gmt":"2009-10-21T16:23:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/banking-on-our-small-businesses\/"},"modified":"2023-07-24T11:11:34","modified_gmt":"2023-07-24T15:11:34","slug":"banking-on-our-small-businesses","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/banking-on-our-small-businesses\/","title":{"rendered":"Apostando por nuestras peque\u00f1as empresas"},"content":{"rendered":"<p><strong>Washington DC -<\/strong> Para reactivar los pr\u00e9stamos, los senadores Jeff Merkley (D-OR) y Barbara Boxer (D-CA) presentaron el mi\u00e9rcoles una legislaci\u00f3n que ayudar\u00e1 a los bancos comunitarios a otorgar cr\u00e9dito a peque\u00f1as empresas y consumidores, instando al crecimiento econ\u00f3mico y ayudando a la creaci\u00f3n de empleo. Al asignar fondos TARP existentes bajo un nuevo Fondo de Renovaci\u00f3n de Cr\u00e9dito Comunitario a los bancos comunitarios, la Ley del Banco en Nuestras Comunidades permitir\u00e1 a esas instituciones recaudar capital privado y estimular el crecimiento del empleo a nivel local.<\/p>\n<blockquote><p>&quot;Las peque\u00f1as empresas son el motor de la creaci\u00f3n de empleo y los bancos comunitarios proporcionan el combustible que mantiene ese motor en marcha&quot;, dijo Merkley. &quot;Los bancos comunitarios han sido aplastados por la crisis financiera sin que sea culpa suya, y la Ley de Bancos en Nuestras Comunidades les dar\u00e1 el acceso al capital necesario para reiniciar los pr\u00e9stamos en Main Street&quot;.<\/p><\/blockquote>\n<p>&quot;Al aumentar los pr\u00e9stamos, no s\u00f3lo ayudaremos a que nuestras peque\u00f1as empresas crezcan, sino que crearemos empleos&quot;, dijo Boxer. &quot;Esta legislaci\u00f3n fortalecer\u00e1 a los bancos comunitarios para que puedan hacer que el cr\u00e9dito vuelva a fluir hacia las peque\u00f1as empresas y los consumidores&quot;.<\/p>\n<p>Las peque\u00f1as empresas dependen de los bancos comunitarios para obtener pr\u00e9stamos, pero los mercados crediticios ajustados han dificultado que estos bancos locales obtengan el capital que necesitan.<\/p>\n<p>Los bancos comunitarios son fundamentales para el crecimiento de las peque\u00f1as empresas y la creaci\u00f3n de empleo. De hecho, los bancos comunitarios poseen el 11 por ciento de los activos totales de la industria, pero otorgan el 38 por ciento de los pr\u00e9stamos agr\u00edcolas y a peque\u00f1as empresas.<\/p>\n<p>La legislaci\u00f3n introducida hoy por Merkley y Boxer ayudar\u00e1 a los bancos comunitarios a recapitalizarse, con la condici\u00f3n de que aumenten el flujo de cr\u00e9dito hacia la econom\u00eda.<\/p>\n<p>La Ley del Banco en Nuestras Comunidades incluye cuatro elementos:<\/p>\n<p>\u2022&nbsp;&nbsp;&nbsp; <strong>Prueba de estr\u00e9s:<\/strong>&nbsp; Los bancos participantes llevar\u00edan a cabo una revisi\u00f3n prospectiva de dos a\u00f1os para determinar, en consulta con su regulador principal, la cantidad de capital que necesitan para permanecer bien capitalizados durante condiciones econ\u00f3micas adversas y reiniciar los pr\u00e9stamos a peque\u00f1as empresas y consumidores.<\/p>\n<p>\u2022&nbsp;&nbsp;&nbsp; <strong>Prueba de viabilidad del mercado y coincidencia gubernamental:<\/strong>&nbsp; Se exigir\u00eda al banco que obtuviera compromisos de inversores privados para al menos la mitad de su objetivo de recapitalizaci\u00f3n. El Tesoro proporcionar\u00eda el resto de la recapitalizaci\u00f3n objetivo a partir de un nuevo Fondo de Renovaci\u00f3n de Cr\u00e9dito Comunitario extra\u00eddo de los fondos del TARP. El Tesoro tendr\u00eda la opci\u00f3n de vetar la solicitud del banco. El banco podr\u00eda solicitar una confirmaci\u00f3n temprana de la voluntad del Tesoro de proporcionar los fondos de contrapartida.<\/p>\n<p>\u2022&nbsp;&nbsp;&nbsp; <strong>Nuevos pr\u00e9stamos:<\/strong>&nbsp; A los bancos participantes se les exigir\u00eda generar nuevo cr\u00e9dito igual o mayor al monto de capitalizaci\u00f3n recibido del gobierno federal. A finales de 2010, el banco tendr\u00eda que aumentar los pr\u00e9stamos comerciales pendientes en al menos un 5 por ciento con respecto al nivel m\u00e1s bajo alcanzado en 2009. Se dar\u00edan incentivos adicionales a los bancos para aumentar los pr\u00e9stamos a empresas solventes por encima de los niveles m\u00ednimos requeridos para participaci\u00f3n en el programa.<\/p>\n<p>\u2022&nbsp;&nbsp;&nbsp; <strong>Duraci\u00f3n limitada:<\/strong>&nbsp; Se comprometer\u00edan hasta $15 mil millones para el Fondo de Renovaci\u00f3n de Cr\u00e9dito Comunitario, y los bancos con hasta $5 mil millones en activos tendr\u00edan nueve meses para calificar para participar.<\/p>","protected":false},"excerpt":{"rendered":"<p>Washington, DC &ndash; To get lending going again, Senators Jeff Merkley (D-OR) and Barbara Boxer (D-CA) introduced legislation Wednesday that will assist community banks in extending credit to small businesses and consumers, urging economic growth and assisting in job creation.&nbsp; By allocating existing TARP funds under a new Community Credit Renewal Fund to community banks, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[44],"class_list":["post-6963","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-jobs-and-the-economy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Banking on Our Small Businesses - Merkley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merkley.senate.gov\/es\/banking-on-our-small-businesses\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banking on Our Small Businesses - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, DC &ndash; To get lending going again, Senators Jeff Merkley (D-OR) and Barbara Boxer (D-CA) introduced legislation Wednesday that will assist community banks in extending credit to small businesses and consumers, urging economic growth and assisting in job creation.&nbsp; By allocating existing TARP funds under a new Community Credit Renewal Fund to community banks, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/banking-on-our-small-businesses\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2009-10-21T16:23:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:11:34+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.merkley.senate.gov\/banking-on-our-small-businesses\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/banking-on-our-small-businesses\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Banking on Our Small Businesses\",\"datePublished\":\"2009-10-21T16:23:00+00:00\",\"dateModified\":\"2023-07-24T15:11:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/banking-on-our-small-businesses\/\"},\"wordCount\":511,\"keywords\":[\"Jobs and the Economy\"],\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/banking-on-our-small-businesses\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/banking-on-our-small-businesses\/\",\"name\":\"Banking on Our Small Businesses - Merkley\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\"},\"datePublished\":\"2009-10-21T16:23:00+00:00\",\"dateModified\":\"2023-07-24T15:11:34+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/banking-on-our-small-businesses\/#breadcrumb\"},\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.merkley.senate.gov\/banking-on-our-small-businesses\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.merkley.senate.gov\/banking-on-our-small-businesses\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.merkley.senate.gov\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Banking on Our Small Businesses\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\",\"url\":\"https:\/\/www.merkley.senate.gov\/\",\"name\":\"Merkley\",\"description\":\"Merkley\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.merkley.senate.gov\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es-MX\"},{\"@type\":\"Person\",\"@id\":\"\",\"url\":\"https:\/\/www.merkley.senate.gov\/es\/author\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Banking on Our Small Businesses - Merkley","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.merkley.senate.gov\/es\/banking-on-our-small-businesses\/","og_locale":"es_MX","og_type":"article","og_title":"Banking on Our Small Businesses - Merkley","og_description":"Washington, DC &ndash; 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