Archive for the ‘Regulación’ Category

Las paradojas del (des)control en Chile. A propósito del caso La Polar (Por Iskra Pavez Soto)

Friday, July 1st, 2011

“Todo lo que sube tiene que caer” sentencia un conocido refrán popular. Así se podría resumir lo recientemente ocurrido en el caso La Polar. El éxito de esta empresa era uno de los íconos del crecimiento económico chileno basado en un mayor acceso al consumo, especialmente para los sectores sociales históricamente excluidos en nuestro país. Sin embargo, la ambición de unos pocos llevó a la ruina de casi medio millón de personas –junto a sus respectivas familias– constituyendo uno de los peores escándalos del sistema financiero nacional durante los últimos años.

El éxito del secreto de La Polar –según Pablo Alcalde, el aclamado ex gerente general– consistía en saber todo acerca de sus clientes: sus gustos, sus motivaciones, sus miedos, sus rutinas… El principal activo de la empresa era “la confianza de la familia chilena en La Polar, que produce un vínculo casi espiritual con el cliente”. Estas reveladoras declaraciones demuestran que las empresas intentan conocer la subjetividad y desarrollar una especie de control invisible sobre la vida privada e íntima de cada cual respecto a sus deseos, sueños, gustos y disgustos. Y efectivamente, a través del crédito y el consumo, muchas familias chilenas sintieron que La Polar –y por extensión, las otras casas comerciales y los Malls donde se ubican– son lugares donde encontraban comprensión y satisfacción a sus necesidades más personales.

El llamado milagro económico de La Polar se benefició no solo de la confianza de sus clientes, sino especialmente de “la mano invisible” de Smith, dogmáticamente vigente en el mercado económico chileno. Es decir, por la falta de regulación estatal. (more…)

Defensa de los Derechos de los Trabajadores: La Dirección del Trabajo en Repliegue (Por Felipe Ossandon)(*)

Monday, June 13th, 2011

(*) Este artículo fue también publicado en El Quinto Poder

El pasado 6 de junio, la Directora Nacional del Trabajo, en uso de sus facultades para interpretar la norma laboral, emitió el dictamen 2314/038/2011, en el cual señala que las asignaciones de movilización y colación “no deben incluirse en la base de cálculo para el pago de las indemnizaciones sustitutiva del aviso previo y de años de servicio”, reduciendo así en un porcentaje importante, que puede alcanzar hasta un 20%, los montos que los trabajadores y trabajadoras reciben por concepto de indemnización.
 
El mencionado dictamen tiene interesantes particularidades, que se inscriben en un contexto mayor de conductas y acciones mediante la cual la Dirección del Trabajo, durante el gobierno del Presidente Piñera, ha retrocedido, lenta, silenciosa, pero sistemáticamente, en su rol de cautelar y defender los derechos de los trabajadores.
 
La primera particularidad, es que dicho dictamen no responde ninguna consulta ni controversia llevada ante el organismo, sino que es emitido ¡por iniciativa propia de la Dirección!
 
Lo segundo, es que implica un viraje en 180 grados respecto de una doctrina que el organismo ha sostenido contra viento y marea desde hace más de una década.

(more…)

¿Quién Dijo que Todo está Perdido? El Gobierno Norteamericano Anuncia Más y Mejor Regulación (Por Tito Flores C.)

Friday, June 19th, 2009

Las medidas de mayor y mejor regulación al sistema financiero, anunciadas por el gobierno norteamericano, hacen abrigar esperanzas. A través de ellas se pretende fortalecer la capacidad de intervención y supervisión del gobierno sobre la banca (especialmente a las entidades que por su tamaño puedan llegar a poner en riesgo a todo el sector financiero); y, a la vez, brindar mayor protección a los consumidores. (Ver artículo de prensa al respecto)

Desde mi punto de vista, esta crisis es una tremenda oportunidad para impulsar un movimiento de péndulo en lo que al modelo económico respecta. Como he señalado en reiteradas oportunidades, el neoliberalismo que ha campeado a sus anchas por el mundo estos últimos treinta años, debe ser reemplazado por un modelo que le atribuya más importancia a las personas, tanto en su dimensión personal como colectiva. En este sentido el neokeynesianismo se presenta como una alternativa muy interesante para ello

Pocos ponen en duda que los mercados deben funcionar. Son un motor fundamental de la economía. Pero deben hacerlo sujetos a normas que establezcan límites a la codicia desmedida; y sin pretender transformar en bienes o servicios transables, lo que en verdad son derechos conquistados por hombres y mujeres a los largo de la historia de la humanidad. (more…)

Recortes de Prensa: “Isapres Tendrán Buscador Electrónico de Planes” (El Mercurio)

Sunday, May 17th, 2009

Una interesante medida que en términos técnicos apunta a superar el fallo de información que caracteriza al mercado de la salud privada en Chile (PoliticaPublica.cl)

…………………………………………………………………………………………………………….

Medida pro transparencia:
Isapres tendrán buscador electrónico de planes

Los 2,2 millones de usuarios del sistema de salud privado podrán cotizar el precio y los beneficios de los planes sin tener que ir a las oficinas de las aseguradoras.

El Mercurio, 14/5/2009. Uziel Gómez

El superintendente de Salud, Manuel Inostroza, anunció que dentro de dos meses las isapres activarán buscadores electrónicos de planes en sus sitios o páginas web.

La iniciativa fue propuesta por la Asociación de Isapres y simplificará y facilitará los trámites para que las personas puedan obtener información desde un computador, en vez de desplazarse por las oficinas comerciales de cada entidad de salud.

La consultora del ex ministro de Obras Públicas y Transportes, Javier Etcheberry, realiza un estudio para estandarizar la información que entreguen los buscadores y los datos que les pidan a los usuarios.

Uno de los mecanismos en evaluación es que el interesado coloque en el buscador electrónico el monto en UF de lo que puede pagar por un plan de salud, y cada una de las siete isapres le mostrarán la cobertura y beneficio.

Continuar leyendo la Versión Completa del Artículo en El Mercurio


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Farmacias: Aprovechando la Ventana de Oportunidad Regulatoria (Por Tito Flores C.)

Saturday, April 4th, 2009

El escándalo de la colusión de precios, protagonizado por tres grandes cadenas farmacéuticas en Chile, ha generado una excelente ventana de oportunidad para fortalecer tanto la regulación económica como la farmacéutica,  que el gobierno ha aprovechado oportunamente.

De este modo, a partir de los vientos favorables que soplan desde el lado de la opinión pública, y con una audacia política digna de destacar, los Ministros de Hacienda y de Salud, de manera conjunta, han anunciado hoy una serie de medidas que fortalecen la acción frente a la colusión y fomentan la competencia y la transparencia en el sector de las farmacias; y, que perfeccionan la legislación en materia de derechos de los consumidores, a través de la modificación del procedimiento judicial de las demandas colectivas.

En detalle, las 10 medidas anunciadas son: (more…)

Recortes de Prensa: “Sobreprecio de 3.000% en Farmacias Coludidas” (La Nación)

Friday, April 3rd, 2009

Denuncian sobreprecio de 3 mil por ciento en farmacias coludidas
La Nación, 3/4/2009

Diferencias incluso superiores al tres mil por ciento en los precios de los medicamentos en las tres cadenas de farmacias coludidas respecto a los valores de Cenabast (Central Nacional de Abastecimiento), denunció un grupo de parlamentarios de la Concertación.

En la esquina de Ahumada con Huérfanos, los congresistas dieron a conocer un estudio realizado el martes y miércoles de esta semana, y que comprueba la brecha entre los valores de la Central Nacional de Abastecimientos con los precios comerciales de farmacias Ahumada, Cruz Verde y Salcobrand. 
 
(…)
…citando lo que ocurre con el inhalador Budesonida, un “medicamento obligatorio para tratar la bronquitis de los niños”, y con la Cetirizina, que es un antialérgico también para la población infantil.  En el primer caso, su valor en Cenabast, de acuerdo a la información entregada por los parlamentarios, es de $1.512, mientras en Cruz Verde alcanza a $11.055, es decir un 631% de diferencia.  

Aun peor es el caso de la Cetirizina, que en Cenabast está a $402 y su precio en Farmacias Ahumadas es de $11.780: una diferencia de 2.830%.  

En el caso del Clonazepam, la brecha es mayor. En Cenabast figura a $191, mientras en Cruz Verde la comercializan a $6.490, es decir un 3.297% de distancia.  

El Ravotril, por ejemplo, en Cenabast tiene un precio de $126, en Cruz Verde alcanza los $4.005, lo que representa un 3.078% de diferencia. (…)

Seguir leyendo la nota completa aquí

Imagen disponible en:  http://www.nostosonline.gr/index.php?option=com_content&task=view&id=145&Itemid=175

ISAPRES: Alza de Planes y Déficit Regulatorio (Por Tito Flores C.)

Friday, April 18th, 2008

El alza de 8% promedio que aplicarán las ISAPRES (Instituciones de Salud Previsional) a sus planes de salud,  constituye una potente muestra de los déficit de regulación que aún tiene aquella industria en Chile.

Siguiendo a Stiglitz es fácil afirmar que nos encontramos al menos frente a dos importantes fallos de mercado en este sector: el de información y el de competencia.

En cuanto al primero, las razones del importante incremento de precios, el mayor registrado en los últimos años (en 2006 el alza fue de 2,6% y en 2007 de 3,7%), está en una zona de gran opacidad, pues las ISAPRES no han transparentado en detalle sus motivos. Por otro lado, como estamos en un tema que en este momento se resuelve vía mercado, la información disponible para los clientes es de tal nivel de complejidad (en cuanto a detalles técnicos y caudal) que la mayoría de ellos no está en condiciones de tomar la decisión óptima en relación a su plan de salud, acentuándose por lo tanto la condición de asimetría asociada, por definición, a los contratos de adhesión que suscribe cada cliente con la entidad. (more…)

Fortaleza Regulatoria en Chile: El caso de la fusión de D&S- Falabella (Por Tito Flores C.)

Thursday, February 14th, 2008

La reciente decisión del Tribunal de la Libre Competencia (TDLC) de rechazar la fusión de Falabella y D&S viene a demostrar la fortaleza de la institucionalidad reguladora existente en Chile.

Para el Tribunal, la pretensión de estos dos gigantes del retail nacional: a) Crearía un actor dominante en el retail integrado; b) Haría dificilísimo el ingreso de nuevos competidores; c) Produciría una disminución sustancial y duradera en las condiciones de competencia de un mercado que involucra parte muy relevante de las decisiones de consumo de todos los chilenos; d) Generaría efectos perjudiciales -en términos de bienestar- en los precios, la cantidad y la calidad de los productos transados; d) Las eficiencias y sinergias que generaría la fusión (según lo planteado por ambas empresas) no podrían compensar los riesgos anticompetitivos que generaría la operación; y, e) No existen condiciones o medidas de mitigación que sean suficientes para compensar o minimizar los riesgos para la competencia que se han podido detectar. (more…)