17_01AGR-Francisco Mere.pps

La experiencia de FIRA en el apoyo a la pequea agricultura en el marco del TLCAN

Mayo 2004

ContenidoEvolucin del comercio exterior de MxicoNuevo Modelo de Negocio de FIRAResultados alcanzadosComentarios finales

En el sector agroalimentario, el comercio exterior ha acelerado su crecimiento y sus exportaciones El PIB del sector agropecuario ha crecido a una tasa anual media de 2.0% entre 1995 y 2003 El sector agroindustrial ha crecido durante el mismo periodo en 3.3% anualFuente: INEGI

El libre comercio ha permitido a Mxico capturar el valor agregado y alejarse de la dependencia de los commoditiesSe prev que esta tendencia contine Principalmente productos con valor agregadoAtienden los gustos del consumidorExportaciones Agroalimentarias y Agropecuarias (Millones de dlares)Fuente: INEGI

Por ejemplo, con Estados Unidos han crecido de manera rpida las exportaciones de productos finales e incrementado las importaciones de insumosEstados Unidos:Importaciones provenientes de Mxico(millones de dlares)Estados Unidos:Exportaciones a Mxico(millones de dlares)Fuente: USDAAntesDespuesNafta

Esta tendencia y la ventaja comparativa observada en NAFTA se estn replicando en otros mercadosFuente: Secretara de Economa, Subsecretara de Negociaciones Comerciales Internacionales(Millones de Dlares)Mxico gozar de ventajas arancelarias en productos agroalimentarios otorgadas por Japn, por encima de Brasil, Estados Unidos y Pases Asiticos.UE: Unin Europea

Hoja1

Fraccion ArancelariaDescripcion Fraccion ArancelariaUnidad de MedidaPais OrigenNombre Pais OrigenCantidad de Mercancia en Unidades de la TarifaValor Comercial (USD)Fraccion ArancelariaDescripcion Fraccion ArancelariaUnidad de MedidaPais OrigenNombre Pais OrigenCantidad de Mercancia en Unidades de la TarifaValor Comercial (USD)Fraccion ArancelariaDescripcion Fraccion ArancelariaUnidad de MedidaPais OrigenNombre Pais OrigenCantidad de Mercancia en Unidades de la TarifaValor Comercial (USD)Fraccion ArancelariaDescripcion Fraccion ArancelariaUnidad de MedidaPais OrigenNombre Pais OrigenCantidad de Mercancia en Unidades de la TarifaValor Comercial (USD)Fraccion ArancelariaDescripcion Fraccion ArancelariaUnidad de MedidaPais OrigenNombre Pais OrigenCantidad de Mercancia en Unidades de la TarifaValor Comercial (USD)

4059001Grasa butirica deshidratada.KgEUCOMUNI ECONOMICA EUROPEA15600$32,136.044021001Leche en polvo o en pastillas.KgEUCOMUNI ECONOMICA EUROPEA298000$601,099.724063099Los demas.KgEUCOMUNI ECONOMICA EUROPEA17991$70,765.4811081301Fecula de papa (patata).KgEUCOMUNI ECONOMICA EUROPEA198000$64,088.9711081301Fecula de papa (patata).KgEUCOMUNI ECONOMICA EUROPEA407501.25$151,037.61

4069004KgEUCOMUNI ECONOMICA EUROPEA99767.93$236,542.354059001Grasa butirica deshidratada.KgEUCOMUNI ECONOMICA EUROPEA16000$27,200.054069004KgEUCOMUNI ECONOMICA EUROPEA164910$424,641.1811090001Gluten de trigo, incluso seco.KgEUCOMUNI ECONOMICA EUROPEA61500$56,285.59

4069099Los demas.KgEUCOMUNI ECONOMICA EUROPEA13980$48,650.464063099Los demas.KgEUCOMUNI ECONOMICA EUROPEA14857$54,499.684069099Los demas.KgEUCOMUNI ECONOMICA EUROPEA4994$17,479.00

6029001Blanco de setas.KgEUCOMUNI ECONOMICA EUROPEA18000$21,906.894069004KgEUCOMUNI ECONOMICA EUROPEA579108$1,590,686.366031001Flores frescas.KgEUCOMUNI ECONOMICA EUROPEA89.8$605.93

11081301Fecula de papa (patata).KgEUCOMUNI ECONOMICA EUROPEA547904.5$199,754.804069099Los demas.KgEUCOMUNI ECONOMICA EUROPEA19993$73,617.2411081301Fecula de papa (patata).KgEUCOMUNI ECONOMICA EUROPEA528000$225,321.95

11090001Gluten de trigo, incluso seco.KgEUCOMUNI ECONOMICA EUROPEA340000$392,899.867096001Chile "Bell".KgEUCOMUNI ECONOMICA EUROPEA10240$12,706.9211090001Gluten de trigo, incluso seco.KgEUCOMUNI ECONOMICA EUROPEA243000$237,220.02

12079999Los demas.KgEUCOMUNI ECONOMICA EUROPEA19115$36,318.457112001Aceitunas.KgEUCOMUNI ECONOMICA EUROPEA144432$193,446.25

7113001Alcaparras.KgEUCOMUNI ECONOMICA EUROPEA12650$22,770.01

11081301Fecula de papa (patata).KgEUCOMUNI ECONOMICA EUROPEA1978300$743,920.55

11090001Gluten de trigo, incluso seco.KgEUCOMUNI ECONOMICA EUROPEA1060000$1,125,543.97

Hoja2

exportaciones anuales de la UE

millones de ECU/euros

19992000200120022003

Alimentos y animales vivos30,81835,48536,59836,73935,329

Bebidas y tabaco12,81814,43214,96715,71315,394

Agroalimentarias43,63649,91751,56552,45250,723

Mxico10,42214,04215,03415,05914,078

Mill euros1.13

Mx Agroalimentarias370.18505.48510552527595.51

0.03551877050.03599765160.03390283960.03665582040.0374342946

Importaciones anuales de la UE

millones de ECU/euros

19992000200120022003

Alimentos y animales vivos

Bebidas y tabaco

Agroalimentarias0.00.00.00.00.0

Mxico4,6957,0427,3826,2226,172

Mill euros

Mx Agroalimentarias306.83457.83445440395446.35

0.06535327610.0650146330.06032838380.07071681130.0639987038

Hoja3

ProductoExportaciones de Mxico a la UE (%)ProductoImportaciones de Mxico de la UE (%)

Caf14.4Semillas de colza y resinas8.4

Cerveza13.4Preparaciones a base de leche7.5

Garbanzos10.9Vino4.9

Miel8.0Preparaciones de leche para nios4.8

Extractos7.6Queso y cuajos4.2

Otros extractos6.9Otras semillas resinosas4.0

Uva de mesa4.7Brandy4.0

Jugo de naranja3.9Leche en polvo2.9

Follajes3.5Whisky2.8

Tabaco3.1Alimento para animales2.7

La globalizacin de mercados est impulsando la consolidacin y un cambio en la comercializacin de alimentosComida rpida MacDonalds $ 40 MMTricon $ 22 MMBurger King $ 11 MMDetallistas Wal Mart $191 MM Carrefour $ 60 MM Kroger $ 49 MMDistribuidores SYSCO $ 20 MM US Food Service $ 19 MMLos tres detallistas ms grandes dominan el mercado Suecia95%Chile 45% Holanda81%Brasil 32% Francia66%USA 30% Inglaterra54%Fuente: J. E. Austin Associates

Estos fenmenos estn presentes en Mxico, en algunos casos con mayor velocidadSupermercados 46% ventas de alimentos Walmart 60% market share en MxicoLeche fluida Fusin de empresas Lala, Alpura, Sello Rojo, Zaragoza y San Marcos: 70% market share en MxicoLcteos (yogurt) 84% del market share de Mxico: Danone (40%), Sigma (17%) y Nestl (16%), Alpura (11%)Avicultura (carne) 52% market share de Mxico: Bachoco (31%), Pilgrims Pride (11%), Tyson (10%) Porcicultura 70% del market share de embutidos enMxico: Sigma 40% y Qualtia 30% (fusin de Kir y Axa Alimentos)Comercializacin Trigo J-V AOAS Cargill, 20% del mercado del Valle del Yaqui yMayo, el cual produce 42% del trigo nacional.Fuente: Estimaciones de FIRA

Estos cambios en el entorno, se traducen en grandes desafos para los pequeos productoresEl xito exportador se centra en el valor agregado, para lo cual se requiere escala y capitalGeneralmente los pequeos productores se ubican en el sector de commodities (sin valor agregado)Es posible sumar al pequeo al sector exportador?Es posible financiarlos?Tienen alternativas aqullos que no podrn ser competitivos en commodities?Cmo mitigar los efectos del desplazamiento derivado del comercio?Puede la banca de desarrollo apoyar a una transicin/ajuste ordenado?

Contenido

Evolucin del comercio exterior de MxicoNuevo Modelo de Negocio de FIRAResultados alcanzadosComentarios finales

Dinamismo de los exportadores de productos con valor agregado Supply chain management Integracin va outsourcing Los pequeos se vuelven proveedores de los grandesTransicin hacia sociedad urbana Actividades econmicas en el medio rural distintas a lo agropecuarioEn FIRA consideramos que la banca de desarrollo S puede dar una respuesta positiva a esos desafosCambios en el gusto del consumidor Demanda por productos de nicho Los pequeos estn naturalmente equipados para atender este mercado

Nuestro nuevo modelo de negocio recoge estos retos y los convierte en oportunidadesPrevio a 1999Nuevo EnfoqueEnfoque agropecuario primarioOrientacin a productoSistema Agroalimentario*Economa ruralOrientacin al clienteRed de valor completa = mejora manejo de riesgoAmpliacin de mercado Productos estandarizados Productos a la medida* Incluye actividades forestales y pesca.

La integracin va outsourcing o desarrollo de proveedores, no slo da viabilidad a los pequeos, sino les da oportunidad de tener crditoPRODUCTORSPVINVERSIONISTA1. Contrato de proveedura.2. CrditoVenta de activosmisin de deudaFondeo y garantaSenior trancheJunior tranche with sinking fund Mxico exporta a EE.UU.A. US$ 396 millones de productos pesqueros (74% es camarn) Integracin de proveedores y financiamiento fuera de balance de las empresas Beneficio mutuo, acceso a crdito y comercializacin

El esquema se est replicando para otros mercadosCerveceraCuahutemocMoctezuma (FEMSA)

Productor # 12 mundial Agricultura por contrato fuera de monopolio con productores de bajos ingresos Crecimiento en 50% de agricultura por contrato Reduccin de 53% en importaciones de cebadaTyson de Mxico

Productor de pollo # 1 en el mundoDesincorporacin de activos hacia pequeos productoresCrecimiento en 100% de proveedura a travs de pequeos productoresTransferencia de tecnologa, estabilidad de precio e ingreso

El cambio en el gusto del consumidor abre oportunidades de mercados de nicho Los productos orgnicos son un ejemplo de productos de nicho, con valor agregado ideales para los pequeos

Brasil#1 en produccin de cafColombia#1 en produccin de caf gourmetMxico#1 en produccin de caf orgnico64.8 ct/Lb 78.3 ct/Lb. 126 ct/LbArbigo Natural* Arbigo* Orgnico Comercio JustoOtros ejemplos son mielMedicina prehispnica, etc.* Precios promedio de 2003Fuente: Global Exchange

Para muchos productores pequeos, la agricultura ha dejado de ser su principal fuente de ingresoEl 71% del ingreso proviene de actividades no agropecuarias

Es indispensable generar fuentes alternativas de empleo en las zonas rurales para evitar la migracinFuente: IICA

FIRA tiene un programa de crdito a actividades no tradicionales en poblaciones de menos de 50,000 hab.Otorgamiento de crdito(millones de dlares)Fuente:FIRACifras al cierre de 2003

Financiamiento ruralParticipacinArtesanas4.1%Construccin1.5%Ecoturismo0.2%Electricidad, gas y agua1.4%Minerales metlicos0.6%Minerales no metlicos12%Otras subramas3.3%Papelera, librera, imprenta y editoriales2.7%Pequeo comercio, restaurantes y hoteles33.9%Preservacin y mejoramiento ambiental4.7%Productos de caucho y plstico0.7%Servicios comunales, sociales y personales15.8%Textiles, prendas de vestir y cuero8.5%Transporte, almacenamiento y comunicaciones10.6%

Para atender mejor a los pequeos se requiere una mayor red de distribucin de recursos, con especializacin y cercana al clientePre-2003Hacia el futuroBANCOSBANCOSALMACENADORESSOFOLESARRENDADORASUNIONES DE CREDITOFACTORAJE

Contenido


**TMAC real 10. 2% (1998-2003) total Nivel superior a 1995 **TMAC de crdito de largo plazo de 17% (1999-2003)Liberacin de mrgenTasas de inters fijas*Programa 2004**Tasa Media Anual de CrecimientoEn los ltimos cinco aos el crdito de FIRA ha crecido aceleradamente

El crdito de FIRA a productores con ingreso inferior a US$12,500 anuales ha crecido basado en esta estrategiaIngresos inferiores a US$4,000 anualesIngresos entre US$4,000 y US$12,500 anuales

Grfico1

4871.393

5163.498

6814.61

6523.966

6293.535

8120.693

Descuentos otorgados por la Banca Comercial a productores PD1

Descuentos otorgados por la Banca Comercial a productores PD1(Millones de pesos de 2003)

Contr.2003Prel.

PD3

2003Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal

Contratado Avo409,881,244.281,381,080,619.13865,601,458.131,977,824,476.18832,015,142.04873,631,440.186,340,034,379.941,900,193,359.32,903,677,445.81,875,840,176.33,262,108,168.8912,015,142.0873,631,440.211,727,465,732.5

Contratado Refaccionario286,306,078.76597,009,306.96348,961,577.711,152,132,871.89302,500,000.001,739,384,000.004,426,293,835.33640,969,801.5784,219,888.6510,028,513.71,583,270,695.9302,500,000.01,739,384,000.05,560,372,899.7

Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.2

Crditos Avo2,3419081541051283,52812,9311,74330718113815,183

Crditos Refacc.1,0913125356571,5243,1404177394573,736

Total3,4321,22020716117155,05216,0712,160380275181518,919

Socios Avo14,0548,3552,2331,8251,2583,00930,734240,050142,701109,22558,1282,2333,009555,346

Socios Refacc.2,1612,2264411,281217886,91817,49121,13910,34311,4992178861,281

Total16,21510,5812,6743,1061,2793,79737,652257,541163,840119,56869,6272,2543,797616,627

rama

Contratado Agricultura410,561,009.871,002,813,228.47654,972,126.141,758,688,572.15320,187,847.861,759,309,850.945,906,532,635.441,594,175,129.292,322,568,666.691,249,811,225.262,949,303,925.15320,187,847.861,759,309,850.9410,195,356,645.20

Contratado Ganadera159,815,731.24596,932,835.41280,450,547.571,019,003,192.02814,327,294.18853,705,589.243,724,235,189.65513,215,067.93759,455,035.75372,260,286.621,183,862,556.02894,327,294.18853,705,589.244,576,825,829.74

Contratado Forestal26,264,623.5425,258,910.0020,000,000.0042,600,000.76114,123,534.3055,703,245.5441,867,010.0026,000,000.0062,600,000.76186,170,256.30

Contratado Pesca22,330,452.43169,704,012.51135,121,275.13287,423,103.14614,578,843.2238,627,534.45197,982,512.62151,921,275.13343,895,302.77732,426,624.98

Contratado Otros Sectores77,215,505.95183,380,939.70124,019,087.0022,242,480.00406,858,012.66339,442,183.67366,024,109.32585,875,903.00305,717,080.001,597,059,276.00

Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.22

Creditos Agricultura1,826626114935102,67410,6451,33321215951012,364

Creditos Ganadera1,02539151491251,5333,27250567641353,926

Creditos Forestal15014221682752143303

Creditos Pesca79652115180142772318260

Creditos Otros Sectores3521241924971,73722474312,066

Total3,4321,22020716117155,05216,0712,160380275181518,919

Socios Agricultura11,2105,5149741,9161,0143,00623,634124,917108,06361,96159,1471,0143,006358,108

Socios Ganadera3,7114,1221,29865626579110,84323,03627,43311,3855,2711,24079169,156

Socios Forestal273112104649590,70712,7104411,919105,777

Socios Pesca1982921725281,1907461,1902278883,051

Socios Otros Sectores8235411260.01,49018,13514,44445,5542,40280,535

Total16,21510,5812,6743,1061,2793,79737,652257,541163,840119,56869,6272,2543,797616,627

actividad

Contratado Primaria422,562,516.671,014,344,100.74495,902,026.141,019,746,653.73210,600,002.29225,000,000.003,388,155,299.571,891,146,755.502,335,478,178.881,091,196,996.862,099,699,188.36290,600,002.29225,000,000.007,933,121,121.89

Contratado Industrial143,236,724.29485,269,992.69280,700,365.331,052,005,415.62428,277,743.661,773,502,003.854,162,992,245.44255,376,497.86685,634,193.22425,805,486.811,585,709,797.62428,277,743.661,773,502,003.855,154,305,723.03

Contratado Comercial32,997,050.02249,207,153.26304,812,557.38825,109,298.54384,964,204.98614,513,436.332,411,603,700.52180,601,799.36283,598,213.26334,701,817.38885,609,298.54384,964,204.98614,513,436.332,683,988,769.86

Contratado Servicios97,391,032.04229,268,679.40133,148,087.00233,095,980.17110,673,191.11803,576,969.73214,038,108.16383,186,749.02534,164,388.96274,360,580.17110,673,191.111,516,423,017.43

Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.22

Creditos Primaria2,23661484574212,9881,3151811255214,616

Creditos Industrial7063044549681,2754406589681,883

Creditos Comercial871605744558201836246551,121

Creditos Servicios40314221112988222721521,299

Total3,4321,22020716117150.016,0712,160380275181518,919

Socios Primaria5,9843,9811,0151,1412500.0102,60192,43756,88054,3171,2250.0307,460

Socios Industrial8,9864,8631,2041,63015790137,92456,83420,95112,56515790229,079

Socios Comercial2796602091581,0093,0079,7742,0991,6011661,0093,00717,656

Socios Servicios9661,07724617757,24212,47040,1362,579562,432

Total16,21510,5812,6743,1061,2793,7970.0257,541163,840119,56869,6272,2543,797616,627

Nivel acreditado

Contratado Individual169,976,452.81405,428,243.08117,075,290.11235,677,880.4758,000,000.00986,157,866.47611,880,170.47470,861,276.08127,025,290.11319,727,880.4758,000,000.001,587,494,617.13

Contratado Agrupado526,210,870.231,572,661,683.011,097,487,745.732,894,279,467.601,076,515,142.042,613,015,440.189,780,170,348.791,929,282,990.423,217,036,058.302,258,843,399.904,525,650,984.231,156,515,142.042,613,015,440.1815,700,344,015.09

Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.22

Crditos Individual1,094247201421,3777,535278212227,858

Crditos Agrupados2,33897318714715153,6758,5361,882359253161511,061

Total crditos3,4321,22020716117155,05216,0712,160380275181518,919

Socios Individual2,57180015523163,56513,298884155231614,376

Socios Agrupados13,6449,7812,5193,0831,2633,79734,087244,243162,956119,41369,6042,2383,797602,251

Total Socios16,21510,5812,6743,1061,2793,79737,652257,541163,840119,56869,6272,2543,797616,627

Desc.2003

DESCONTADO 2003

Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal

Desc. Avo1,504,298,4413,620,511,8081,901,191,6193,998,645,6991,554,395,8522,702,275,13815,281,318,5564,500,650,7476,475,980,6133,834,017,0796,308,789,1301,684,910,5553,080,720,40825,885,068,532

Desc. Refaccionario758,715,3981,255,071,323766,661,1252,312,682,851697,499,8883,315,722,2089,106,352,7921,614,943,0891,692,999,8791,022,931,7382,800,530,364697,499,8883,315,722,20811,144,627,166

Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,34937,029,695,698

Crditos avo3,2981,60727019825195,41715,9722,985534315272419,857

Crditos Refacc.1,80053810099992,5554,749768135138995,808

Total5,0982,14537029734287,97225,665

Socios avo12,6108,7542,2941,8951,4473,04930,049161,143196,03990,09463,6802,4223,049516,427

Socios refacc.1,6101,2802321,088197845,01310,11914,4284,8009,8821978440,032

Total14,22010,0342,5262,9831,4663,83335,062556,459

Beneficiarios avo33,77120,32559,18022,5281,5213,345140,670262,101370,242309,229124,9762,6128,4551,077,615

Beneficiarios refacc.3,6374,1121,2662,071353,37014,49126,09525,27810,27515,004353,37080,057

Total37,40824,43760,44624,5991,5566,715155,1611,157,672

rama

descontado agricultura1,286,468,1502,579,484,1321,415,005,1223,432,123,911818,708,7883,150,906,06612,682,696,1693,869,625,7495,038,304,8112,602,864,7075,021,907,360869,223,4913,529,351,336

descontado ganadera626,512,1111,501,795,066802,538,6692,039,554,8471,290,351,9522,867,091,2809,127,843,9241,309,012,1231,889,651,434969,881,1682,780,916,4161,370,351,9522,867,091,280

descontado forestal85,146,24447,814,64039,998,00095,640,332268,599,215149,314,33689,827,06576,095,666155,640,332

descontado pesca44,796,638311,630,429225,815,719721,364,98860,000,0001,363,607,77473,408,586369,615,355260,189,046812,524,29960,000,000

descontado otros sectores220,090,696434,858,864184,495,23422,644,47382,835,000944,924,266714,233,043781,581,826947,918,230338,331,08782,835,000

Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349

Crditos Agricultura2,9301,18619715412164,49513,3132,3463722471321

Crditos Ganadera1,3896351089920122,2634,2838681321232112

Crditos Forestal20322432323444896

Crditos Pesca941153639128517913741451

Crditos Otros sectores48218725216972,602354115321

Total5,0982,14537029734287,972


Socios Ganadera2,7613,6771,1066544108279,43514,34022,12211,7124,6041,385827

Socios Forestal26550104642526,18376,9433051,919

Socios Pesca1612961784921,1276591,194233852

Socios Otros Sectores77346785111,33617,31013,38840,6132,40211

Total14,22010,0342,5262,9831,4663,83335,062

Actividad

descontado primaria1,432,607,9532,512,173,3471,191,310,3932,317,024,706268,594,000661,338,2088,383,048,6074,531,626,4434,995,804,6242,436,217,6854,246,824,087399,108,7031,039,783,477

descontado industrial487,967,2131,243,680,939525,704,7932,213,787,0241,250,620,1404,629,913,33810,351,673,448731,195,3461,699,694,178702,806,7852,923,004,7071,250,620,1404,629,913,338

descontado comercial82,731,936619,835,039701,039,3871,361,443,263384,985,640614,565,8003,764,601,064355,584,446702,103,436790,668,1331,468,690,529384,985,640614,565,800

descontado servicios259,706,737499,893,806249,798,170419,073,557347,695,960112,180,0001,888,348,230497,187,600771,378,254927,256,214470,800,171347,695,960112,180,000

Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349

crditos primaria3,4911,162170119424,94816,3842,37435121867

crditos industrial941497719020201,6391,648720951372020

crditos comercial1472749868555971,3543211127355

crditos servicios5192123120517881,3353381112551

Total5,0982,14537029734287,972

Socios primaria4,2673,5291,0261,04623510,10382,25876,22241,20250,8361,210

Socios industrial8,7904,8041,0851,64720482617,35672,788120,62111,99520,026204826

Socios comercial2616202221631,0093,0075,2829,7132,0481,6141711,0093,007

Socios servicios9021,081193127182,3216,50311,57640,0832,52918

Total14,22010,0342,5262,9831,4663,83335,062

Nivel acreditado

descontado individual741,753,394982,367,615267,614,126454,121,667116,000,0002,561,856,8031,812,008,9971,212,307,059322,905,527538,683,169116,000,000

descontado agrupado1,521,260,4443,893,215,5152,400,238,6175,857,206,8832,135,895,7406,017,997,34621,825,814,5464,303,584,8396,956,673,4344,534,043,2918,570,636,3242,266,410,4436,396,442,616

Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349

Crditos individual1,611473362722,1498,77359445352

Crditos agrupados3,4871,67233427032285,82311,9483,1596244183433

Total5,0982,14537029734287,972

Socios individual1,665550592812,30311,06560059281

Socios agrupados12,5559,4842,4672,9551,4653,83332,759160,197209,86794,83573,5342,4403,833

Total14,22010,0342,5262,9831,4663,83335,062

grficos

41,530.00124,590.00

grficos

9.2793354729

19.9919994863

10.939350073

25.8791766529

9.2337464607

24.6763918541

2003

%

Participacin porcentual del monto total descontado en PD3

Clculos

28.9537414166

38.3459221538

10.4461001135

17.7262705107

4.5279658053

0

2003

%

Participacin en el monto descontado en PD3 Individuales

Grfico BC

6.9700053628

17.837664236

10.9972464581

26.8361433686

9.786098638

26.5728419364

2003

%

Participacin en el monto descontado en PD3 Agrupados

BC

14220

10034

2526

2983

1466

3833

Nmero de Socios PD3 por Rangos

Nmero de productores beneficiados PD3

Montos-Pd3

2263.01383846

4875.58313075

2667.85274349

6311.32854985

2251.89574001

6017.99734608

Monto Contratado en PD3 por Rangos

Monto Descontado en PD3 (Millones de pesos)

Montos-Total

14220

10034

2526

2983

1466

3833

Total socios

Nmero de Socios PD3

Nivel Agrup. Pd3

2263.01383846

4875.58313075

2667.85274349

6311.32854985

2251.89574001

6017.99734608

Total

Monto Descontado en PD3

NIvel Agrup. Total

5098

2145

370

297

34

28

Nmero de Crditos PD3 por Rangos

Nmero de Crditos Otorgados a PD3

5098

2145

370

297

34

28

Total crditos


64.0%

159143.0266146273

485906.2318865859

1056157.0639311166

2115765.5212370097

1536081.6780422921

1570048.877140621


Monto promedio por beneficiario en PD3(Pesos)

PD1+PD2

2003

junioDiciembreJulio - diciembreIncremento segundo semestre

B.C.4,782,87010,799,9756,017,1051,286,801

Banrural1,775,8691,842,05066,181

12,642,025

2002factorreal 2002

B.C.4,071,2598,620,6554,549,3960.96175557964,730,304

Banrural2,333,8154,716,0712,382,2562,476,987

13,336,726

Banca comercialrealVariacin $Variacin %

Estrato2002200220032003/20032003/2003

PD16,051,7786,292,4288,119,9101,827,48229.0

PD22,568,7772,670,9252,680,0659,1400.3

Total8,620,5558,963,35310,799,9751,836,62220.5

BanruralrealVariacin $Variacin %

Estrato2002200220032003/20032003/2003

pd13,555,3553,696,7341,367,315(2,329,419.5)(63.0)

pd21,160,7161,206,872474,735(732,137.1)(60.7)

Total4,716,0714,903,6071,842,050(3,061,556.6)(62.4)

Total-Total13,336,62613,866,96012,642,025(1,224,934.8)(8.8)


19953,512.0

19963,412.8

19974,039.4

19984,871.4

19995,163.5

20006,814.6

20016,524.0

20026,293.5

20038,120.7

TMAC90.3

0

0

0

0

0

0



Descuentos otorgados por la Banca Comercial a productores de bajos ingresos

(Millones de pesos de 2003)

Estrato20022003Variacin $Variacin %

2003/20032003/2002

PD16,292,4288,119,9101,827,48229.0

PD22,670,9252,680,0659,1400.3

Total8,963,35310,799,9751,836,62220.5

PD3


Desc. Avo1,504,298,4413,620,511,8081,901,191,6193,998,645,6991,554,395,8522,702,275,13815,281,318,556

Desc. Refaccionario758,715,3981,255,071,323766,661,1252,312,682,851697,499,8883,315,722,2089,106,352,792

Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349

1,000,0002,2634,8762,6686,3112,2526,01824,388

Crditos avo3,2981,60727019825195,417

Crditos Refacc.1,80053810099992,555

Total crditos5,0982,14537029734287,972

Socios avo12,6108,7542,2941,8951,4473,04930,049

Socios refacc.1,6101,2802321,088197845,01376.38

Total socios14,22010,0342,5262,9831,4663,83335,062

PD3


Contratado Avo582,078,039.691,738,721,348.26837,229,287.00941,182,307.00150,000,000.004,249,210,981.95

Contratado Refaccionario407,665,787.12758,163,473.78469,350,620.941,015,581,032.00513,694,344.00633,000,000.003,797,455,257.84

Total989,743,826.812,496,884,822.041,306,579,907.941,956,763,339.00513,694,344.00783,000,000.008,046,666,239.79

4,793,208,556.7959.57

Crditos Avo4,0301,2611575845,510

Crditos Refacc.1,6844297050742,244

Total5,7141,690227108787,754

Socios Avo248321691390.0777

Socios Refacc.0.0880.00.00.00.088

Total248409691390.00.0865

PD3


Contratado Avo572,287,346.011,440,043,411.00692,173,973.00961,950,072.5360,273,000.00150,000,000.003,876,727,802.54

Contratado Refaccionario352,469,264.75575,308,298.67258,693,950.00535,697,400.00745,503,000.00175,000,000.002,642,671,913.42

Total924,756,610.762,015,351,709.67950,867,923.001,497,647,472.53805,776,000.00325,000,000.006,519,399,715.96

Crditos Avo3,7341,00912270114,937

Crditos Refacc.1,43134043281011,853

Total5,1651,349165981126,790

Socios Avo26521786300.00.0598

Socios Refacc.0.0170.00.00.00.017

Total26523486300.00.0615

PD3

Participacin en el monto total por rango

AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal

2003920112692510099

20021441202204100

200114311523125100

Promedio Descontado por Crdito


2003443,902.282,272,999.137,210,412.8221,250,264.4866,232,227.65214,928,476.653,059,166.00

2002173,213.831,477,446.645,755,858.6318,118,179.0673,384,906.2997,875,000.001,037,743.91

2001179,042.911,493,959.765,762,835.9015,282,117.0773,252,363.64162,500,000.00960,147.23

Monto promedio por socio


2003159,143485,9061,056,1572,115,7661,536,0821,570,049695,558

20023,990,9036,104,85318,935,94114,077,4340.00.09,302,504

20013,489,6488,612,61411,056,60449,921,5820.00.010,600,650

0.1591430266

maria_macias:Las cifras en rojo no se incluyeron en el anlisis y corresponden al monto contratado, no al descontado.

Total Contratado


Desc. Avo4,500,650,7476,475,980,6133,834,017,0796,308,789,1301,684,910,5553,080,720,40825,885,068,532

Desc. Refaccionario1,614,943,0891,692,999,8791,022,931,7382,800,530,364697,499,8883,315,722,20811,144,627,166

Total6,115,593,8368,168,980,4924,856,948,8189,109,319,4942,382,410,4436,396,442,61637,029,695,698

Crditos Avo15,9722,985534315272419,857

Crditos Refacc.4,749768135138995,808

Total20,7213,753669453363325,665

Socios Avo161,143196,03990,09463,6802,4223,049516,427

Socios Refacc.10,11914,4284,8009,8821978440,032

Total171,262210,46794,89473,5622,4413,833556,459


Contratado Avo3,130,318,354.83,932,377,623.02,198,658,341.91,731,967,891.1107,290,000.0150,000,000.011,250,612,210.7

Contratado Refaccionario1,131,131,397.41,036,329,133.5632,797,575.81,243,377,020.0513,694,344.0633,000,000.05,190,329,470.8

Total4,261,449,752.174,968,706,756.502,831,455,917.742,975,344,911.06620,984,344.00783,000,000.0016,440,941,681.47

Crditos Avo36,1142,5033581105439,094

Crditos Refacc.7,6985909261748,452

Total43,8123,09345017112847,546

Socios Avo9,6023,5769154500.00.014,543

Socios Refacc.5751010.00.00.00.0676

Total10,1773,6779154500.00.015,219


Contratado Avo1,718,367,912.72,344,575,650.1993,249,950.01,257,251,685.5177,963,743.0150,000,000.06,641,408,941.3


Total2,544,168,344.503,106,933,323.931,321,740,723.001,891,268,379.34923,466,743.00325,000,000.0010,112,577,513.77

Crditos Avo42,7351,495166873144,487

Crditos Refacc.8,69846154331019,257

Total51,4331,95622012013253,744

Socios Avo16,0574,0337403489070.022,085

Socios Refacc.712830.00.00.00.0354

Total16,1284,3167403489070.022,439

Total Contratado



20030.170.220.130.250.060.171.00

20020.260.300.170.180.040.051.00

20010.250.310.130.190.090.031.00

Monto Promedio Contratado por Crdito


2003295,1402,176,6537,260,01320,108,87366,178,068193,831,5941,442,809

200297,2671,606,4366,292,12417,399,67851,748,69597,875,000345,790

200149,4661,588,4126,007,91215,760,57071,035,903162,500,000188,162



200335,70938,81451,183123,832975,9981,668,78266,545

2002418,7331,351,2943,094,4876,611,8780.00.01,080,291

200149,4661,588,4126,007,91215,760,57071,035,903162,500,000188,162

PD3


Nivel acreditado

descontado individual741,753,394982,367,615267,614,126454,121,667116,000,0002,561,856,80311

descontado agrupado1,521,260,4443,893,215,5152,400,238,6175,857,206,8832,135,895,7406,017,997,34621,825,814,54689

Total2,263,013,838.464,875,583,130.752,667,852,743.496,311,328,549.852,251,895,740.016,017,997,346.0824,387,671,348.64

Crditos individual1,611473362722,149

Crditos agrupados3,4871,67233427032285,823

Total crditos5,0982,14537029734287,972

Socios individual1,665550592812,303

Socios agrupados12,5559,4842,4672,9551,4653,83332,759

Total Socios14,22010,0342,5262,9831,4663,83335,062


Nivel acreditado

Contratado Individual373,319,496.11449,986,066.00111,256,678.00181,614,000.001,116,176,240.11

Contratado Agrupado616,424,330.702,046,898,756.041,195,323,229.941,775,149,339.00513,694,344.00783,000,000.006,930,489,999.68

Total989,743,826.812,496,884,822.041,306,579,907.941,956,763,339.00513,694,344.00783,000,000.008,046,666,239.79

Crditos Individual2,51134717112,886

Crditos Agrupados3,2031,34321097784,868

Total crditos5,7141,690227108787,754

Socios Individual9553150.0163

Socios Agrupados153356541390.00.0702

Total Socios248409691390.00.0865


Nivel acreditado

Contratado Individual407,144,271.70425,649,097.00129,476,133.00192,613,146.0079,068,000.001,233,950,647.70

Contratado Agrupado517,612,339.061,589,702,612.67821,391,790.001,305,034,326.53726,708,000.00325,000,000.005,285,449,068.26

Total924,756,610.762,015,351,709.67950,867,923.001,497,647,472.53805,776,000.00325,000,000.006,519,399,715.96



Total crditos5,1651,349165981126,790

Socios Individual1316330.00.0197


Total Socios26523486300.00.0615

PD3

Nivel acreditadoTotal

Participacin en el monto total por rango (Nivel Individual)


20032938101850100

20023340101600100

20013334101660100

Participacin en el monto total por rango (Nivel Agrupado)


200371811271027100

20029201126925100

200110301625146100



20039201126925100

200212311624610100

200114311523125100

PD3

Promedio Descontado por Crdito (Nivel Individual)


2003460,4302,076,8877,433,72616,819,32158,000,0000.01,192,116

2002148,6741,296,7906,544,51016,510,3640.00.0386,755

2001161,3731,338,5196,165,53012,840,87679,068,0000.0428,753

Promedio Descontado por Crdito (Nivel Agrupado)


2003436,2662,328,4787,186,34321,693,35966,746,742214,928,4773,748,208

2002192,4521,524,1245,692,01518,300,50973,384,90697,875,0001,423,683

2001195,9171,541,9045,704,11015,723,30572,670,800162,500,0001,351,086

Monto Promedio Descontado por Crdito (Total PD3)


2003443,9022,272,9997,210,41321,250,26466,232,228214,928,4773,059,166

2002173,2141,477,4475,755,85918,118,17973,384,90697,875,0001,037,744

2001179,0431,493,9605,762,83615,282,11773,252,364162,500,000960,147

PD3

Monto promedio por socio (Individual)


2003445,4981,786,1234,535,83316,218,631116,000,0000.01,112,400

20023,929,6798,490,3037,417,1120.00.00.06,847,707

20013,107,9726,756,33543,158,7110.00.00.06,263,709

Monto promedio por socio (Agrupado)


2003121,168410,504972,9381,982,1341,457,9491,570,049666,254

20024,028,9175,749,71622,135,61512,770,8590.00.09,872,493

20013,862,7799,296,5079,896,28743,501,1440.00.012,644,615

PD3

Monto promedio por socio (Total PD3)


2003159,143485,9061,056,1572,115,7661,536,0821,570,049695,558

2002173,2141,477,4475,755,85918,118,17973,384,90697,875,0001,037,744

2001179,0431,493,9605,762,83615,282,11773,252,364162,500,000960,147

Total Descontado


Descontado individual1,812,008,9971,212,307,059322,905,527538,683,169116,000,0004,001,904,751.80

Descontado agrupado4,303,584,8396,956,673,4344,534,043,2918,570,636,3242,266,410,4436,396,442,61633,027,790,945.85

Total6,115,593,835.548,168,980,492.224,856,948,817.609,109,319,493.552,382,410,443.126,396,442,615.6237,029,695,697.65



Total crditos20,7213,753669453363325,665

Socios Individual11,0656005928111,753

Socios Agrupados160,197209,86794,83573,5342,4403,833544,706

Total Socios171,262210,46794,89473,5622,4413,833556,459


Contratado Individual1,283,778,719.83480,439,592.00111,256,678.00181,614,000.002,057,088,989.83

Contratado Agrupado2,977,671,032.344,488,267,164.502,720,199,239.742,793,730,911.06620,984,344.00783,000,000.0014,383,852,691.64

Total4,261,449,752.174,968,706,756.502,831,455,917.742,975,344,911.06620,984,344.00783,000,000.0016,440,941,681.47



Total crditos43,8123,09345017112847,546

Socios Individual2,77870150.02,863

Socios Agrupados7,3993,6079004500.00.012,356

Total Socios10,1773,6779154500.00.015,219


Contratado Individual1,094,390,992.34432,273,977.00129,476,133.00192,613,146.0079,068,000.001,927,822,248.34


Total2,544,168,344.503,106,933,323.931,321,740,723.001,891,268,379.34923,466,743.00325,000,000.0010,112,577,513.77



Total crditos51,4331,95622012013253,744

Socios Individual3,3476630.00.03,416

Socios Agrupados12,7814,2507373489070.019,023

Total Socios16,1284,3167403489070.022,439

Total descontado



20030.450.300.080.130.030.001.00

20020.620.230.050.090.000.001.00

20010.570.220.070.100.040.001.00



20030.130.210.140.260.070.191.00

20020.170.220.130.250.060.171.00

20010.180.330.150.210.100.041.00

Participacin en el monto total por rango (Total)


20030.170.220.130.250.060.171.00

20020.260.300.170.180.040.051.00

20010.250.310.130.190.090.031.00

Total descontado



2003206,5442,040,9217,175,67815,390,94858,000,0000.0423,5270.00.00.00.00.00.00.00.00.00.00.0

200246,7991,316,2736,544,51016,510,3640.00.073,930

200133,3141,338,3106,165,53012,840,87679,068,0000.058,048



2003360,1932,202,1767,266,09520,503,91566,659,131193,831,5942,036,741

2002181,7871,645,2596,282,21517,460,81851,748,69597,875,000729,367

200178,0211,637,8815,991,27916,177,66970,366,562162,500,000398,615

Promedio Descontado por Crdito (Total)


2003295,1402,176,6537,260,01320,108,87366,178,068193,831,5941,442,809

200297,2671,606,4366,292,12417,399,67851,748,69597,875,000345,790

200149,4661,588,4126,007,91215,760,57071,035,903162,500,000188,162



2003163,7602,020,5125,472,97519,238,685116,000,0000.0340,501

2002462,1236,863,4237,417,1120.00.00.0718,508

2001326,9776,549,60643,158,7110.00.00.0564,351



200326,86433,14847,810116,553928,8571,668,78260,634

2002402,4421,244,3213,022,4446,208,2910.00.01,164,119

2001113,432629,3321,617,7274,881,193930,9800.0430,256

Monto promedio por socio (Total)


200335,70938,81451,183123,832975,9981,668,78266,545

2002418,7331,351,2943,094,4876,611,8780.00.01,080,291

2001157,749719,8641,786,1365,434,6791,018,1550.0450,670

Grfico1

862.642

1189.519

1568.113

2219.87

2668.9

2677.8


Contr.2003Prel.

PD3


Contratado Avo409,881,244.281,381,080,619.13865,601,458.131,977,824,476.18832,015,142.04873,631,440.186,340,034,379.941,900,193,359.32,903,677,445.81,875,840,176.33,262,108,168.8912,015,142.0873,631,440.211,727,465,732.5

Contratado Refaccionario286,306,078.76597,009,306.96348,961,577.711,152,132,871.89302,500,000.001,739,384,000.004,426,293,835.33640,969,801.5784,219,888.6510,028,513.71,583,270,695.9302,500,000.01,739,384,000.05,560,372,899.7

Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.2

Crditos Avo2,3419081541051283,52812,9311,74330718113815,183

Crditos Refacc.1,0913125356571,5243,1404177394573,736

Total3,4321,22020716117155,05216,0712,160380275181518,919

Socios Avo14,0548,3552,2331,8251,2583,00930,734240,050142,701109,22558,1282,2333,009555,346

Socios Refacc.2,1612,2264411,281217886,91817,49121,13910,34311,4992178861,281

Total16,21510,5812,6743,1061,2793,79737,652257,541163,840119,56869,6272,2543,797616,627

rama

Contratado Agricultura410,561,009.871,002,813,228.47654,972,126.141,758,688,572.15320,187,847.861,759,309,850.945,906,532,635.441,594,175,129.292,322,568,666.691,249,811,225.262,949,303,925.15320,187,847.861,759,309,850.9410,195,356,645.20

Contratado Ganadera159,815,731.24596,932,835.41280,450,547.571,019,003,192.02814,327,294.18853,705,589.243,724,235,189.65513,215,067.93759,455,035.75372,260,286.621,183,862,556.02894,327,294.18853,705,589.244,576,825,829.74

Contratado Forestal26,264,623.5425,258,910.0020,000,000.0042,600,000.76114,123,534.3055,703,245.5441,867,010.0026,000,000.0062,600,000.76186,170,256.30

Contratado Pesca22,330,452.43169,704,012.51135,121,275.13287,423,103.14614,578,843.2238,627,534.45197,982,512.62151,921,275.13343,895,302.77732,426,624.98

Contratado Otros Sectores77,215,505.95183,380,939.70124,019,087.0022,242,480.00406,858,012.66339,442,183.67366,024,109.32585,875,903.00305,717,080.001,597,059,276.00

Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.22

Creditos Agricultura1,826626114935102,67410,6451,33321215951012,364

Creditos Ganadera1,02539151491251,5333,27250567641353,926

Creditos Forestal15014221682752143303

Creditos Pesca79652115180142772318260

Creditos Otros Sectores3521241924971,73722474312,066

Total3,4321,22020716117155,05216,0712,160380275181518,919


Socios Ganadera3,7114,1221,29865626579110,84323,03627,43311,3855,2711,24079169,156

Socios Forestal273112104649590,70712,7104411,919105,777

Socios Pesca1982921725281,1907461,1902278883,051

Socios Otros Sectores8235411260.01,49018,13514,44445,5542,40280,535

Total16,21510,5812,6743,1061,2793,79737,652257,541163,840119,56869,6272,2543,797616,627

actividad

Contratado Primaria422,562,516.671,014,344,100.74495,902,026.141,019,746,653.73210,600,002.29225,000,000.003,388,155,299.571,891,146,755.502,335,478,178.881,091,196,996.862,099,699,188.36290,600,002.29225,000,000.007,933,121,121.89

Contratado Industrial143,236,724.29485,269,992.69280,700,365.331,052,005,415.62428,277,743.661,773,502,003.854,162,992,245.44255,376,497.86685,634,193.22425,805,486.811,585,709,797.62428,277,743.661,773,502,003.855,154,305,723.03

Contratado Comercial32,997,050.02249,207,153.26304,812,557.38825,109,298.54384,964,204.98614,513,436.332,411,603,700.52180,601,799.36283,598,213.26334,701,817.38885,609,298.54384,964,204.98614,513,436.332,683,988,769.86

Contratado Servicios97,391,032.04229,268,679.40133,148,087.00233,095,980.17110,673,191.11803,576,969.73214,038,108.16383,186,749.02534,164,388.96274,360,580.17110,673,191.111,516,423,017.43

Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.22

Creditos Primaria2,23661484574212,9881,3151811255214,616

Creditos Industrial7063044549681,2754406589681,883

Creditos Comercial871605744558201836246551,121

Creditos Servicios40314221112988222721521,299

Total3,4321,22020716117150.016,0712,160380275181518,919

Socios Primaria5,9843,9811,0151,1412500.0102,60192,43756,88054,3171,2250.0307,460

Socios Industrial8,9864,8631,2041,63015790137,92456,83420,95112,56515790229,079

Socios Comercial2796602091581,0093,0079,7742,0991,6011661,0093,00717,656

Socios Servicios9661,07724617757,24212,47040,1362,579562,432

Total16,21510,5812,6743,1061,2793,7970.0257,541163,840119,56869,6272,2543,797616,627

Nivel acreditado

Contratado Individual169,976,452.81405,428,243.08117,075,290.11235,677,880.4758,000,000.00986,157,866.47611,880,170.47470,861,276.08127,025,290.11319,727,880.4758,000,000.001,587,494,617.13

Contratado Agrupado526,210,870.231,572,661,683.011,097,487,745.732,894,279,467.601,076,515,142.042,613,015,440.189,780,170,348.791,929,282,990.423,217,036,058.302,258,843,399.904,525,650,984.231,156,515,142.042,613,015,440.1815,700,344,015.09

Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.22

Crditos Individual1,094247201421,3777,535278212227,858

Crditos Agrupados2,33897318714715153,6758,5361,882359253161511,061

Total crditos3,4321,22020716117155,05216,0712,160380275181518,919

Socios Individual2,57180015523163,56513,298884155231614,376

Socios Agrupados13,6449,7812,5193,0831,2633,79734,087244,243162,956119,41369,6042,2383,797602,251

Total Socios16,21510,5812,6743,1061,2793,79737,652257,541163,840119,56869,6272,2543,797616,627

Desc.2003

DESCONTADO 2003

Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal

Desc. Avo1,504,298,4413,620,511,8081,901,191,6193,998,645,6991,554,395,8522,702,275,13815,281,318,5564,500,650,7476,475,980,6133,834,017,0796,308,789,1301,684,910,5553,080,720,40825,885,068,532

Desc. Refaccionario758,715,3981,255,071,323766,661,1252,312,682,851697,499,8883,315,722,2089,106,352,7921,614,943,0891,692,999,8791,022,931,7382,800,530,364697,499,8883,315,722,20811,144,627,166

Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,34937,029,695,698

Crditos avo3,2981,60727019825195,41715,9722,985534315272419,857

Crditos Refacc.1,80053810099992,5554,749768135138995,808

Total5,0982,14537029734287,97225,665

Socios avo12,6108,7542,2941,8951,4473,04930,049161,143196,03990,09463,6802,4223,049516,427

Socios refacc.1,6101,2802321,088197845,01310,11914,4284,8009,8821978440,032

Total14,22010,0342,5262,9831,4663,83335,062556,459

Beneficiarios avo33,77120,32559,18022,5281,5213,345140,670262,101370,242309,229124,9762,6128,4551,077,615

Beneficiarios refacc.3,6374,1121,2662,071353,37014,49126,09525,27810,27515,004353,37080,057

Total37,40824,43760,44624,5991,5566,715155,1611,157,672

rama

descontado agricultura1,286,468,1502,579,484,1321,415,005,1223,432,123,911818,708,7883,150,906,06612,682,696,1693,869,625,7495,038,304,8112,602,864,7075,021,907,360869,223,4913,529,351,336

descontado ganadera626,512,1111,501,795,066802,538,6692,039,554,8471,290,351,9522,867,091,2809,127,843,9241,309,012,1231,889,651,434969,881,1682,780,916,4161,370,351,9522,867,091,280

descontado forestal85,146,24447,814,64039,998,00095,640,332268,599,215149,314,33689,827,06576,095,666155,640,332

descontado pesca44,796,638311,630,429225,815,719721,364,98860,000,0001,363,607,77473,408,586369,615,355260,189,046812,524,29960,000,000

descontado otros sectores220,090,696434,858,864184,495,23422,644,47382,835,000944,924,266714,233,043781,581,826947,918,230338,331,08782,835,000

Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349

Crditos Agricultura2,9301,18619715412164,49513,3132,3463722471321

Crditos Ganadera1,3896351089920122,2634,2838681321232112

Crditos Forestal20322432323444896

Crditos Pesca941153639128517913741451

Crditos Otros sectores48218725216972,602354115321

Total5,0982,14537029734287,972


Socios Ganadera2,7613,6771,1066544108279,43514,34022,12211,7124,6041,385827

Socios Forestal26550104642526,18376,9433051,919

Socios Pesca1612961784921,1276591,194233852

Socios Otros Sectores77346785111,33617,31013,38840,6132,40211

Total14,22010,0342,5262,9831,4663,83335,062

Actividad

descontado primaria1,432,607,9532,512,173,3471,191,310,3932,317,024,706268,594,000661,338,2088,383,048,6074,531,626,4434,995,804,6242,436,217,6854,246,824,087399,108,7031,039,783,477

descontado industrial487,967,2131,243,680,939525,704,7932,213,787,0241,250,620,1404,629,913,33810,351,673,448731,195,3461,699,694,178702,806,7852,923,004,7071,250,620,1404,629,913,338

descontado comercial82,731,936619,835,039701,039,3871,361,443,263384,985,640614,565,8003,764,601,064355,584,446702,103,436790,668,1331,468,690,529384,985,640614,565,800

descontado servicios259,706,737499,893,806249,798,170419,073,557347,695,960112,180,0001,888,348,230497,187,600771,378,254927,256,214470,800,171347,695,960112,180,000

Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349

crditos primaria3,4911,162170119424,94816,3842,37435121867

crditos industrial941497719020201,6391,648720951372020

crditos comercial1472749868555971,3543211127355

crditos servicios5192123120517881,3353381112551

Total5,0982,14537029734287,972

Socios primaria4,2673,5291,0261,04623510,10382,25876,22241,20250,8361,210

Socios industrial8,7904,8041,0851,64720482617,35672,788120,62111,99520,026204826

Socios comercial2616202221631,0093,0075,2829,7132,0481,6141711,0093,007

Socios servicios9021,081193127182,3216,50311,57640,0832,52918

Total14,22010,0342,5262,9831,4663,83335,062

Nivel acreditado

descontado individual741,753,394982,367,615267,614,126454,121,667116,000,0002,561,856,8031,812,008,9971,212,307,059322,905,527538,683,169116,000,000

descontado agrupado1,521,260,4443,893,215,5152,400,238,6175,857,206,8832,135,895,7406,017,997,34621,825,814,5464,303,584,8396,956,673,4344,534,043,2918,570,636,3242,266,410,4436,396,442,616

Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349

Crditos individual1,611473362722,1498,77359445352

Crditos agrupados3,4871,67233427032285,82311,9483,1596244183433

Total5,0982,14537029734287,972

Socios individual1,665550592812,30311,06560059281

Socios agrupados12,5559,4842,4672,9551,4653,83332,759160,197209,86794,83573,5342,4403,833

Total14,22010,0342,5262,9831,4663,83335,062

grficos

41,530.00124,590.00

grficos

9.2793354729

19.9919994863

10.939350073

25.8791766529

9.2337464607

24.6763918541

2003

%

Participacin porcentual del monto total descontado en PD3

Clculos

28.9537414166

38.3459221538

10.4461001135

17.7262705107

4.5279658053

0

2003

%

Participacin en el monto descontado en PD3 Individuales

Grfico BC

6.9700053628

17.837664236

10.9972464581

26.8361433686

9.786098638

26.5728419364

2003

%

Participacin en el monto descontado en PD3 Agrupados

BC

14220

10034

2526

2983

1466

3833


Nmero de productores beneficiados PD3

Montos-Pd3

2263.01383846

4875.58313075

2667.85274349

6311.32854985

2251.89574001

6017.99734608

Monto Contratado en PD3 por Rangos

Monto Descontado en PD3 (Millones de pesos)

Montos-Total

14220

10034

2526

2983

1466

3833

Total socios

Nmero de Socios PD3

Nivel Agrup. Pd3

2263.01383846

4875.58313075

2667.85274349

6311.32854985

2251.89574001

6017.99734608

Total

Monto Descontado en PD3

NIvel Agrup. Total

5098

2145

370

297

34

28

Nmero de Crditos PD3 por Rangos


5098

2145

370

297

34

28

Total crditos


64.0%

159143.0266146273

485906.2318865859

1056157.0639311166

2115765.5212370097

1536081.6780422921

1570048.877140621


Monto promedio por beneficiario en PD3(Pesos)

PD1+PD2

2003

junioDiciembreJulio - diciembreIncremento segundo semestre

B.C.4,782,87010,799,9756,017,1051,286,801

Banrural1,775,8691,842,05066,181

12,642,025

2002factorreal 2002

B.C.4,071,2598,620,6554,549,3960.96175557964,730,304

Banrural2,333,8154,716,0712,382,2562,476,987

13,336,726

Banca comercialrealVariacin $Variacin %

Estrato2002200220032003/20032003/2003

PD16,051,7786,292,4288,119,9101,827,48229.0

PD22,568,7772,670,9252,680,0659,1400.3

Total8,620,5558,963,35310,799,9751,836,62220.5

BanruralrealVariacin $Variacin %

Estrato2002200220032003/20032003/2003

pd13,555,3553,696,7341,367,315(2,329,419.5)(63.0)

pd21,160,7161,206,872474,735(732,137.1)(60.7)

Total4,716,0714,903,6071,842,050(3,061,556.6)(62.4)

Total-Total13,336,62613,866,96012,642,025(1,224,934.8)(8.8)


19953,512.0Descuentos Banca Comercial a PD2

19963,412.8

19974,039.41998863

19984,871.419991,190

19995,163.520001,568

20006,814.620012,220

20016,524.020022,669

20026,293.520032,678

20038,120.725.4

TMAC10.8TMAC

0

0

0

0

0

0



0

0

0

0

0

0


Descuentos otorgados por la Banca Comercial a productores de bajos ingresos

(Millones de pesos de 2003)

Estrato20022003Variacin $Variacin %

2003/20032003/2002

PD16,292,4288,119,9101,827,48229.0

PD22,670,9252,680,0659,1400.3

Total8,963,35310,799,9751,836,62220.5

PD3


Desc. Avo1,504,298,4413,620,511,8081,901,191,6193,998,645,6991,554,395,8522,702,275,13815,281,318,556

Desc. Refaccionario758,715,3981,255,071,323766,661,1252,312,682,851697,499,8883,315,722,2089,106,352,792

Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349

1,000,0002,2634,8762,6686,3112,2526,01824,388

Crditos avo3,2981,60727019825195,417

Crditos Refacc.1,80053810099992,555

Total crditos5,0982,14537029734287,972

Socios avo12,6108,7542,2941,8951,4473,04930,049

Socios refacc.1,6101,2802321,088197845,01376.38

Total socios14,22010,0342,5262,9831,4663,83335,062

PD3


Contratado Avo582,078,039.691,738,721,348.26837,229,287.00941,182,307.00150,000,000.004,249,210,981.95

Contratado Refaccionario407,665,787.12758,163,473.78469,350,620.941,015,581,032.00513,694,344.00633,000,000.003,797,455,257.84

Total989,743,826.812,496,884,822.041,306,579,907.941,956,763,339.00513,694,344.00783,000,000.008,046,666,239.79

4,793,208,556.7959.57

Crditos Avo4,0301,2611575845,510

Crditos Refacc.1,6844297050742,244

Total5,7141,690227108787,754

Socios Avo248321691390.0777

Socios Refacc.0.0880.00.00.00.088

Total248409691390.00.0865

PD3


Contratado Avo572,287,346.011,440,043,411.00692,173,973.00961,950,072.5360,273,000.00150,000,000.003,876,727,802.54


Total924,756,610.762,015,351,709.67950,867,923.001,497,647,472.53805,776,000.00325,000,000.006,519,399,715.96

Crditos Avo3,7341,00912270114,937

Crditos Refacc.1,43134043281011,853

Total5,1651,349165981126,790

Socios Avo26521786300.00.0598

Socios Refacc.0.0170.00.00.00.017

Total26523486300.00.0615

PD3



2003920112692510099

20021441202204100

200114311523125100

Promedio Descontado por Crdito


2003443,902.282,272,999.137,210,412.8221,250,264.4866,232,227.65214,928,476.653,059,166.00

2002173,213.831,477,446.645,755,858.6318,118,179.0673,384,906.2997,875,000.001,037,743.91

2001179,042.911,493,959.765,762,835.9015,282,117.0773,252,363.64162,500,000.00960,147.23



2003159,143485,9061,056,1572,115,7661,536,0821,570,049695,558

20023,990,9036,104,85318,935,94114,077,4340.00.09,302,504

20013,489,6488,612,61411,056,60449,921,5820.00.010,600,650

0.1591430266

maria_macias:Las cifras en rojo no se incluyeron en el anlisis y corresponden al monto contratado, no al descontado.

Total Contratado


Desc. Avo4,500,650,7476,475,980,6133,834,017,0796,308,789,1301,684,910,5553,080,720,40825,885,068,532

Desc. Refaccionario1,614,943,0891,692,999,8791,022,931,7382,800,530,364697,499,8883,315,722,20811,144,627,166

Total6,115,593,8368,168,980,4924,856,948,8189,109,319,4942,382,410,4436,396,442,61637,029,695,698

Crditos Avo15,9722,985534315272419,857

Crditos Refacc.4,749768135138995,808

Total20,7213,753669453363325,665

Socios Avo161,143196,03990,09463,6802,4223,049516,427

Socios Refacc.10,11914,4284,8009,8821978440,032

Total171,262210,46794,89473,5622,4413,833556,459


Contratado Avo3,130,318,354.83,932,377,623.02,198,658,341.91,731,967,891.1107,290,000.0150,000,000.011,250,612,210.7

Contratado Refaccionario1,131,131,397.41,036,329,133.5632,797,575.81,243,377,020.0513,694,344.0633,000,000.05,190,329,470.8

Total4,261,449,752.174,968,706,756.502,831,455,917.742,975,344,911.06620,984,344.00783,000,000.0016,440,941,681.47

Crditos Avo36,1142,5033581105439,094

Crditos Refacc.7,6985909261748,452

Total43,8123,09345017112847,546

Socios Avo9,6023,5769154500.00.014,543

Socios Refacc.5751010.00.00.00.0676

Total10,1773,6779154500.00.015,219


Contratado Avo1,718,367,912.72,344,575,650.1993,249,950.01,257,251,685.5177,963,743.0150,000,000.06,641,408,941.3


Total2,544,168,344.503,106,933,323.931,321,740,723.001,891,268,379.34923,466,743.00325,000,000.0010,112,577,513.77

Crditos Avo42,7351,495166873144,487

Crditos Refacc.8,69846154331019,257

Total51,4331,95622012013253,744

Socios Avo16,0574,0337403489070.022,085

Socios Refacc.712830.00.00.00.0354

Total16,1284,3167403489070.022,439

Total Contratado



20030.170.220.130.250.060.171.00

20020.260.300.170.180.040.051.00

20010.250.310.130.190.090.031.00

Monto Promedio Contratado por Crdito


2003295,1402,176,6537,260,01320,108,87366,178,068193,831,5941,442,809

200297,2671,606,4366,292,12417,399,67851,748,69597,875,000345,790

200149,4661,588,4126,007,91215,760,57071,035,903162,500,000188,162



200335,70938,81451,183123,832975,9981,668,78266,545

2002418,7331,351,2943,094,4876,611,8780.00.01,080,291

200149,4661,588,4126,007,91215,760,57071,035,903162,500,000188,162

PD3


Nivel acreditado

descontado individual741,753,394982,367,615267,614,126454,121,667116,000,0002,561,856,80310.5

descontado agrupado1,521,260,4443,893,215,5152,400,238,6175,857,206,8832,135,895,7406,017,997,34621,825,814,54689.5

Total2,263,013,838.464,875,583,130.752,667,852,743.496,311,328,549.852,251,895,740.016,017,997,346.0824,387,671,348.64

Crditos individual1,611473362722,149

Crditos agrupados3,4871,67233427032285,823

Total crditos5,0982,14537029734287,972

Socios individual1,665550592812,303

Socios agrupados12,5559,4842,4672,9551,4653,83332,759

Total Socios14,22010,0342,5262,9831,4663,83335,062


Nivel acreditado

Contratado Individual373,319,496.11449,986,066.00111,256,678.00181,614,000.001,116,176,240.11

Contratado Agrupado616,424,330.702,046,898,756.041,195,323,229.941,775,149,339.00513,694,344.00783,000,000.006,930,489,999.68

Total989,743,826.812,496,884,822.041,306,579,907.941,956,763,339.00513,694,344.00783,000,000.008,046,666,239.79



Total crditos5,7141,690227108787,754

Socios Individual9553150.0163


Total Socios248409691390.00.0865


Nivel acreditado

Contratado Individual407,144,271.70425,649,097.00129,476,133.00192,613,146.0079,068,000.001,233,950,647.70

Contratado Agrupado517,612,339.061,589,702,612.67821,391,790.001,305,034,326.53726,708,000.00325,000,000.005,285,449,068.26

Total924,756,610.762,015,351,709.67950,867,923.001,497,647,472.53805,776,000.00325,000,000.006,519,399,715.96



Total crditos5,1651,349165981126,790

Socios Individual1316330.00.0197


Total Socios26523486300.00.0615

PD3

Nivel acreditadoTotal



200329.038.310.417.74.50100

20023340101600100

20013334101660100



20037.017.811.026.81027100

20029201126925100

200110301625146100



20039201126925100

200212311624610100

200114311523125100

PD3



2003460,4302,076,8877,433,72616,819,32158,000,0000.01,192,116

2002148,6741,296,7906,544,51016,510,3640.00.0386,755

2001161,3731,338,5196,165,53012,840,87679,068,0000.0428,753



2003436,2662,328,4787,186,34321,693,35966,746,742214,928,4773,748,208

2002192,4521,524,1245,692,01518,300,50973,384,90697,875,0001,423,683

2001195,9171,541,9045,704,11015,723,30572,670,800162,500,0001,351,086

Monto Promedio Descontado por Crdito (Total PD3)


2003443,9022,272,9997,210,41321,250,26466,232,228214,928,4773,059,166

2002173,2141,477,4475,755,85918,118,17973,384,90697,875,0001,037,744

2001179,0431,493,9605,762,83615,282,11773,252,364162,500,000960,147

PD3



2003445,4981,786,1234,535,83316,218,631116,000,0000.01,112,400

20023,929,6798,490,3037,417,1120.00.00.06,847,707

20013,107,9726,756,33543,158,7110.00.00.06,263,709



2003121,168410,504972,9381,982,1341,457,9491,570,049666,254

20024,028,9175,749,71622,135,61512,770,8590.00.09,872,493

20013,862,7799,296,5079,896,28743,501,1440.00.012,644,615

PD3

Monto promedio por socio (Total PD3)


2003159,143485,9061,056,1572,115,7661,536,0821,570,049695,558

2002173,2141,477,4475,755,85918,118,17973,384,90697,875,0001,037,744

2001179,0431,493,9605,762,83615,282,11773,252,364162,500,000960,147

Total Descontado


Descontado individual1,812,008,9971,212,307,059322,905,527538,683,169116,000,0004,001,904,751.80

Descontado agrupado4,303,584,8396,956,673,4344,534,043,2918,570,636,3242,266,410,4436,396,442,61633,027,790,945.85

Total6,115,593,835.548,168,980,492.224,856,948,817.609,109,319,493.552,382,410,443.126,396,442,615.6237,029,695,697.65



Total crditos20,7213,753669453363325,665

Socios Individual11,0656005928111,753

Socios Agrupados160,197209,86794,83573,5342,4403,833544,706

Total Socios171,262210,46794,89473,5622,4413,833556,459


Contratado Individual1,283,778,719.83480,439,592.00111,256,678.00181,614,000.002,057,088,989.83


Total4,261,449,752.174,968,706,756.502,831,455,917.742,975,344,911.06620,984,344.00783,000,000.0016,440,941,681.47



Total crditos43,8123,09345017112847,546

Socios Individual2,77870150.02,863

Socios Agrupados7,3993,6079004500.00.012,356

Total Socios10,1773,6779154500.00.015,219


Contratado Individual1,094,390,992.34432,273,977.00129,476,133.00192,613,146.0079,068,000.001,927,822,248.34


Total2,544,168,344.503,106,933,323.931,321,740,723.001,891,268,379.34923,466,743.00325,000,000.0010,112,577,513.77



Total crditos51,4331,95622012013253,744

Socios Individual3,3476630.00.03,416

Socios Agrupados12,7814,2507373489070.019,023

Total Socios16,1284,3167403489070.022,439

Total descontado



20030.450.300.080.130.030.001.00

20020.620.230.050.090.000.001.00

20010.570.220.070.100.040.001.00



20030.130.210.140.260.070.191.00

20020.170.220.130.250.060.171.00

20010.180.330.150.210.100.041.00

Participacin en el monto total por rango (Total)


20030.170.220.130.250.060.171.00

20020.260.300.170.180.040.051.00

20010.250.310.130.190.090.031.00

Total descontado



2003206,5442,040,9217,175,67815,390,94858,000,0000.0423,5270.00.00.00.00.00.00.00.00.00.00.0

200246,7991,316,2736,544,51016,510,3640.00.073,930

200133,3141,338,3106,165,53012,840,87679,068,0000.058,048



2003360,1932,202,1767,266,09520,503,91566,659,131193,831,5942,036,741

2002181,7871,645,2596,282,21517,460,81851,748,69597,875,000729,367

200178,0211,637,8815,991,27916,177,66970,366,562162,500,000398,615

Promedio Descontado por Crdito (Total)


2003295,1402,176,6537,260,01320,108,87366,178,068193,831,5941,442,809

200297,2671,606,4366,292,12417,399,67851,748,69597,875,000345,790

200149,4661,588,4126,007,91215,760,57071,035,903162,500,000188,162



2003163,7602,020,5125,472,97519,238,685116,000,0000.0340,501

2002462,1236,863,4237,417,1120.00.00.0718,508

2001326,9776,549,60643,158,7110.00.00.0564,351



200326,86433,14847,810116,553928,8571,668,78260,634

2002402,4421,244,3213,022,4446,208,2910.00.01,164,119

2001113,432629,3321,617,7274,881,193930,9800.0430,256

Monto promedio por socio (Total)


200335,70938,81451,183123,832975,9981,668,78266,545

2002418,7331,351,2943,094,4876,611,8780.00.01,080,291

2001157,749719,8641,786,1365,434,6791,018,1550.0450,670

La intervencin de FIRA en el fortalecimiento de capacidades de acceso al crdito ha sido relevanteLa evaluacin de los programas que canalizan subsidios de FIRA realizada por una consultora independiente (GEA) muestra impactos positivos.Impactos econmicos y sociales%* Periodo enero-diciembre 2003

Contenido


En 2004 la Harvard Business School elabor un caso del modelo de negocio de FIRA *Organizacin innovadoraModelo de Negocios y Balance SlidosAmplio Reconocimiento de Marca en los Mercados LocalesFIRA es considerada como organizacin formidable por la Harvard Business School* Este caso es usado en la mejor escuela de negocios en Latinoamrica de acuerdo al Financial Times

Sensibilidad para entender...

Flexibilidad para atender...

El intercambio comercial agropecuario entre Mxico y la Unin Europea ha mostrado un fuerte crecimiento en los ltimos aos, pasando de un monto de $ 646 millones de dlares en 1995 a $ 950 millones de dlares en 1998, y el dficit de la balanza comercial agropecuaria se ha ido reduciendo en los ltimos aos, hasta registrar un supervit por 93 millones dlares en 1998.

Durante el periodo 1993-1998, la exportacin de productos agropecuarios a la Unin Europea represent un monto promedio anual de 250 millones de dlares, con lo que Mxico se sita en la posicin nmero 33 como proveedor a dicho bloque comercial

17_01AGR-Francisco Mere.pps

Documents

Transcript of 17_01AGR-Francisco Mere.pps