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La importancia de la Ley para la transparencia y ordenamiento de los servicios financieros para propiciar el uso de sistemas y medios de pago eficientes en México

Listed author(s):
  • Castellanos, Sara G.

    (Dirección de Sistemas Operativos y de Pagos, Banco de México)

  • Garrido, Daniel

    (Dirección de Sistemas Operativos y de Pagos, Banco de México)

  • Mendoza, Alberto

    (Dirección de Sistemas Operativos y de Pagos, Banco de México)

In Mexico, during 2004, came into effect the Law to Promote Transparent Financial Services. We describe the most salient dispositions of this law and the key measures that central bank of Mexico has implemented, as well as the usage patterns of checks, electronic funds transfers and payments with bank cards at points of sales before and after 2004. The data show a higher tendency towards using electronic payments and a lower real income for banks from electronic payments and bank cards provision, which coincide with the kind of measures enhanced by this type of regulation. However, we identify other elements that may have an influence over these patterns. We also describe the main changes of the new Law that substituted the 2004 one on June 2007.// En 2004 se promulgó en México la Ley para la Transparencia y Ordenamiento de los Servicios Financieros (LTOSF). En este documento se describen las disposiciones más importantes de dicha ley y algunas de las principales medidas que el Banco de México ha instrumentado, así como las pautas de uso de medios de pago distintos al efectivo antes y después de 2004. Los datos muestran una tendencia más pronunciada hacia el uso de medios de pago electrónicos, aunada a un incremento menos que proporcional de los ingresos reales de los bancos asociados a la provisión de pagos a través de transferencias electrónicas de fondos y tarjetas bancarias. Lo anterior es congruente con el tipo de medidas que se han impulsado con base en la LTOSF. No obstante, se identifican otros elementos por los cuales este fenómeno no es atribuible exclusivamente a estas modificaciones en el marco legal. También se describen los cambios principales al marco regulatorio por medio de la aprobación de la nueva LTOSF en junio de 2007.

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Article provided by Fondo de Cultura Económica in its journal El Trimestre Económico.

Volume (Year): LXXV (1) (2008)
Issue (Month): 297 (enero-marzo)
Pages: 224-251

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Handle: RePEc:elt:journl:v:75:y:2008:i:297:p:224-251
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