{"id":26856,"date":"2026-10-19T11:46:53","date_gmt":"2026-10-19T15:46:53","guid":{"rendered":"https:\/\/gestionderiesgo.org\/ries-go\/riesgo-de-credito-en-reservas-anticipar-el-deterioro-del-emisor\/"},"modified":"2026-10-19T11:46:53","modified_gmt":"2026-10-19T15:46:53","slug":"riesgo-de-credito-en-reservas-anticipar-el-deterioro-del-emisor","status":"publish","type":"page","link":"https:\/\/gestionderiesgo.org\/en\/ries-go\/riesgo-de-credito-en-reservas-anticipar-el-deterioro-del-emisor\/","title":{"rendered":"Credit risk in reserves: anticipating issuer deterioration"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row 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18px}#cgr-rg .cgx-m h2{font-size:23px}#cgr-rg .cgx-bt .cgx-btn{width:100%}}\n@media(prefers-reduced-motion:reduce){#cgr-rg *{transition:none!important}}\n.fusion-page-title-bar{background-image:linear-gradient(rgba(9,26,44,.66),rgba(9,26,44,.66)),url(\"https:\/\/i0.wp.com\/gestionderiesgo.org\/wp-content\/uploads\/2026\/01\/DSC_0206-scaled.jpg?w=1920\")!important;background-size:cover!important;background-position:50% 48%!important}\n<\/style>\n<nav class=\"cgx-bc\" aria-label=\"Ruta de navegaci\u00f3n\"><a href=\"\/ries-go\/\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.75\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"m15 6-6 6 6 6\"\/><\/svg>Ries-GO<\/a><\/nav>\n<div class=\"cgx-g\"><div class=\"cgx-m\"><div class=\"cgx-vid\"><iframe src=\"https:\/\/www.youtube-nocookie.com\/embed\/kaIImQ-z1sk?rel=0\" title=\"Riesgo de cr\u00e9dito en reservas: anticipar el deterioro del emisor\" loading=\"lazy\" allow=\"accelerometer; encrypted-media; picture-in-picture; fullscreen\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><p class=\"cgx-lede\">Por qu\u00e9 una p\u00e9rdida de cr\u00e9dito es m\u00e1s dif\u00edcil de explicar que una de mercado y c\u00f3mo detectar las se\u00f1ales a tiempo.<\/p><h2>Resumen de la entrevista<\/h2><p>Andr\u00e9s Granados Ruiz explica por qu\u00e9 es m\u00e1s f\u00e1cil presentar ante una junta directiva p\u00e9rdidas por movimientos de mercado que una p\u00e9rdida marginal por incumplimiento de cr\u00e9dito: las primeras suelen ser temporales, pueden revertirse y, si el portafolio se mantiene hasta el vencimiento, la p\u00e9rdida a precios de mercado no es necesariamente la real. Un incumplimiento, en cambio, significa perder parte del capital. Lo importante, dice, es poder explicar el racional de la decisi\u00f3n, con criterios que tengan sentido, con todas las \u00e1reas del proceso de inversi\u00f3n involucradas y con lo aprobado bien documentado.<\/p><p>Recomienda gobernanza, con niveles de aprobaci\u00f3n y comunicaci\u00f3n entre riesgos e inversiones: \u00e1reas separadas pero con una relaci\u00f3n cercana, porque el trabajo del gestor de riesgos es acompa\u00f1ar y contribuir a la rentabilidad, no frenar. Aunque no se puede predecir el deterioro de un emisor, con debida diligencia hay se\u00f1ales, como se vio en casos como Silicon Valley Bank o Credit Suisse, y es preferible aceptar el error de tipo uno, es decir, salir de emisores que quiz\u00e1 no incumplan. Sobre las calificadoras, aconseja no depender solo de ellas: complementarlas con m\u00e9tricas de mercado, que dan informaci\u00f3n m\u00e1s temprana, con probabilidades de incumplimiento a un a\u00f1o y con an\u00e1lisis fundamental de los estados financieros.<\/p><h2>Temas tratados<\/h2><ul class=\"cgx-tt\"><li>P\u00e9rdidas de mercado frente a p\u00e9rdidas por incumplimiento de cr\u00e9dito<\/li><li>C\u00f3mo explicar la decisi\u00f3n de inversi\u00f3n a la junta: criterios y documentaci\u00f3n<\/li><li>Gobernanza: aprobaciones y relaci\u00f3n entre riesgos e inversiones<\/li><li>Se\u00f1ales de deterioro de un emisor y costo de actuar a tiempo<\/li><li>Los l\u00edmites de depender solo de las calificadoras<\/li><li>M\u00e9tricas de mercado, probabilidades de incumplimiento y an\u00e1lisis fundamental<\/li><\/ul><div class=\"cgx-bio\"><h2>Sobre Andr\u00e9s Granados Ruiz<\/h2><p>Economista y mag\u00edster en Econom\u00eda por la Pontificia Universidad Javeriana, con una maestr\u00eda en Administraci\u00f3n P\u00fablica con \u00e9nfasis en mercados financieros por la Universidad de Columbia. Experto en riesgo de cr\u00e9dito, adecuaci\u00f3n de capital, gesti\u00f3n de reservas internacionales, administraci\u00f3n de portafolios de inversi\u00f3n y gesti\u00f3n de activos y pasivos (ALM).<\/p><\/div><\/div><aside class=\"cgx-side\" aria-label=\"Ficha de la entrevista\"><h2>Ficha de la entrevista<\/h2><dl><div><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.75\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"8\" r=\"3.6\"\/><path d=\"M5 20c.7-3.7 3.6-5.8 7-5.8s6.3 2.1 7 5.8\"\/><\/svg><span><dt>Invitado<\/dt><dd>Andr\u00e9s Granados Ruiz<span>Subdirector de Riesgos Financieros, Fondo Latinoamericano de Reservas (FLAR)<\/span><\/dd><\/span><\/div><div><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.75\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><rect x=\"9\" y=\"3\" width=\"6\" height=\"11\" rx=\"3\"\/><path d=\"M5 11a7 7 0 0 0 14 0M12 18v3\"\/><\/svg><span><dt>Entrevista<\/dt><dd>Carlos J. Rijo Mont\u00e1s<span>Presidente del CGR<\/span><\/dd><\/span><\/div><div><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.75\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M7 2v3M17 2v3M3.5 9h17M5 4.5h14a1.5 1.5 0 0 1 1.5 1.5v13a1.5 1.5 0 0 1-1.5 1.5H5A1.5 1.5 0 0 1 3.5 19V6A1.5 1.5 0 0 1 5 4.5Z\"\/><\/svg><span><dt>Publicada<\/dt><dd>19 de octubre de 2026<\/dd><\/span><\/div><div><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.75\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3 2\"\/><\/svg><span><dt>Duraci\u00f3n<\/dt><dd>6 min 12 s<\/dd><\/span><\/div><div><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.75\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M3 20h18M5 20V9l7-5 7 5v11M9 20v-6h6v6\"\/><\/svg><span><dt>Sesi\u00f3n en la IV JAR<\/dt><dd>Riesgo de cr\u00e9dito del portafolio de reservas de Bancos Centrales<span>IV Jornada Anual de Riesgos (16 al 18 de septiembre de 2026)<\/span><\/dd><\/span><\/div><div><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.75\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M20.6 13.4 13.4 20.6a2 2 0 0 1-2.8 0L3 13V3h10l7.6 7.6a2 2 0 0 1 0 2.8Z\"\/><circle cx=\"7.5\" cy=\"7.5\" r=\"1.2\"\/><\/svg><span><dt>Temas<\/dt><dd><div class=\"cgx-chp\"><span style=\"background:#1A80B6\">Riesgo de cr\u00e9dito<\/span><\/div><\/dd><\/span><\/div><\/dl><a class=\"cgx-btn cgx-pri\" href=\"https:\/\/www.youtube.com\/watch?v=kaIImQ-z1sk\" target=\"_blank\" rel=\"noopener\"><svg viewBox=\"0 0 24 24\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M21.6 7.2a2.7 2.7 0 0 0-1.9-1.9C18 4.8 12 4.8 12 4.8s-6 0-7.7.5a2.7 2.7 0 0 0-1.9 1.9C2 8.9 2 12 2 12s0 3.1.4 4.8a2.7 2.7 0 0 0 1.9 1.9c1.7.5 7.7.5 7.7.5s6 0 7.7-.5a2.7 2.7 0 0 0 1.9-1.9c.4-1.7.4-4.8.4-4.8s0-3.1-.4-4.8ZM10 15V9l5.2 3Z\"\/><\/svg>Ver en YouTube<\/a><a class=\"cgx-gh\" href=\"\/ries-go\/\">Ver todas las entrevistas<\/a><\/aside><\/div><section class=\"cgx-mas\" aria-labelledby=\"cgx-mas\"><h2 id=\"cgx-mas\">M\u00e1s entrevistas de Ries-GO<\/h2><ul class=\"cgx-gr\"><li class=\"cgx-card\" data-tp=\"operativo\"><a class=\"cgx-ph\" href=\"\/ries-go\/gestion-de-crisis-la-preparacion-marca-la-diferencia\/\" tabindex=\"-1\" aria-hidden=\"true\"><img src=\"https:\/\/i.ytimg.com\/vi\/Idle9Es7Xgg\/maxresdefault.jpg\" alt=\"\" width=\"480\" height=\"270\" loading=\"lazy\" decoding=\"async\"><span class=\"cgx-du\">6:28<\/span><\/a><div class=\"cgx-bd\"><p class=\"cgx-tg\"><span style=\"background:#B81F2E\">Riesgo operativo, terceros y ciber<\/span><\/p><h3><a href=\"\/ries-go\/gestion-de-crisis-la-preparacion-marca-la-diferencia\/\">Gesti\u00f3n de crisis: la preparaci\u00f3n marca la diferencia<\/a><\/h3><p class=\"cgx-gu\"><b>Jorge Luis Garc\u00eda<\/b>Director de Estabilidad Financiera, Banco de M\u00e9xico<\/p><\/div><\/li><li class=\"cgx-card\" data-tp=\"mercado\"><a class=\"cgx-ph\" href=\"\/ries-go\/mas-alla-del-var-medidas-entropicas-para-el-riesgo-extremo\/\" tabindex=\"-1\" aria-hidden=\"true\"><img src=\"https:\/\/i.ytimg.com\/vi\/5rWdJWQL63I\/maxresdefault.jpg\" alt=\"\" width=\"480\" height=\"270\" loading=\"lazy\" decoding=\"async\"><span class=\"cgx-du\">5:27<\/span><\/a><div class=\"cgx-bd\"><p class=\"cgx-tg\"><span style=\"background:#0F8A7E\">Riesgo de mercado y valoraci\u00f3n<\/span><\/p><h3><a href=\"\/ries-go\/mas-alla-del-var-medidas-entropicas-para-el-riesgo-extremo\/\">M\u00e1s all\u00e1 del VaR: medidas entr\u00f3picas para el riesgo extremo<\/a><\/h3><p class=\"cgx-gu\"><b>Dany Cajas<\/b>Consultor independiente y creador de Riskfolio-Lib<\/p><\/div><\/li><\/ul><\/section><\/div>\n<footer id=\"cgr-foot\" aria-label=\"Pie de p\u00e1gina del Club de Gesti\u00f3n de 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class=\"menu-text\">Inicio<\/span><\/a><\/li><li  id=\"menu-item-4282\"  class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-4282 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4282\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Membresia<\/span><span class=\"awb-menu__open-nav-submenu-hover\"><\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Membresia\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_main\"><\/button><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li  id=\"menu-item-4283\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4283 awb-menu__li awb-menu__sub-li\" ><a 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awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a href=\"https:\/\/gestionderiesgo.org\/en\/proximos-eventos\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Pr\u00f3ximos Eventos<\/span><\/a><\/li><li  id=\"menu-item-4288\"  class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-4288 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4288\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Publicaciones<\/span><span class=\"awb-menu__open-nav-submenu-hover\"><\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Publicaciones\" aria-expanded=\"false\" 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awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a href=\"https:\/\/gestionderiesgo.org\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Pol\u00edticas<\/span><span class=\"awb-menu__open-nav-submenu-hover\"><\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Pol\u00edticas\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_main\"><\/button><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li  id=\"menu-item-4412\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4412 awb-menu__li awb-menu__sub-li\" ><a href=\"https:\/\/gestionderiesgo.org\/en\/politicas-de-entrega\/\" class=\"awb-menu__sub-a\"><span>Pol\u00edtica de entrega<\/span><\/a><\/li><li  id=\"menu-item-4413\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4413 awb-menu__li awb-menu__sub-li\" ><a href=\"https:\/\/gestionderiesgo.org\/en\/preguntas-frecuentes\/\" class=\"awb-menu__sub-a\"><span>Preguntas Frecuentes<\/span><\/a><\/li><li  id=\"menu-item-4414\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4414 awb-menu__li awb-menu__sub-li\" ><a href=\"https:\/\/gestionderiesgo.org\/en\/politicas-de-seguridad\/\" class=\"awb-menu__sub-a\"><span>Pol\u00edticas de seguridad en los pagos<\/span><\/a><\/li><li  id=\"menu-item-4415\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4415 awb-menu__li awb-menu__sub-li\" ><a href=\"https:\/\/gestionderiesgo.org\/en\/politicas-de-reembolso\/\" class=\"awb-menu__sub-a\"><span>Pol\u00edticas de entrega, cancelaci\u00f3n, devoluci\u00f3n y reembolso<\/span><\/a><\/li><li  id=\"menu-item-4416\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4416 awb-menu__li awb-menu__sub-li\" ><a 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class=\"awb-menu__sub-a\"><span>T\u00e9rminos y Condiciones<\/span><\/a><\/li><\/ul><\/li><li  id=\"menu-item-4290\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4290 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4290\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a href=\"https:\/\/gestionderiesgo.org\/en\/forum\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Foro<\/span><\/a><\/li><li  id=\"menu-item-4291\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4291 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4291\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active 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class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Sobre Nosotros<\/h5><\/div><nav class=\"awb-menu awb-menu_column awb-menu_em-hover mobile-mode-collapse-to-button awb-menu_icons-left awb-menu_dc-yes mobile-trigger-fullwidth-off awb-menu_mobile-toggle awb-menu_indent-left mobile-size-full-absolute loading mega-menu-loading awb-menu_desktop awb-menu_dropdown awb-menu_expand-right awb-menu_transition-fade\" 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class=\"screen-reader-text\">Toggle Navigation<\/span><\/span><span class=\"awb-menu__m-collapse-icon awb-menu__m-collapse-icon_no-text\"><span class=\"awb-menu__m-collapse-icon-open awb-menu__m-collapse-icon-open_no-text fa-bars fas\"><\/span><span class=\"awb-menu__m-collapse-icon-close awb-menu__m-collapse-icon-close_no-text fa-times fas\"><\/span><\/span><\/span><\/button><ul id=\"menu-sobre-nosotros\" class=\"fusion-menu awb-menu__main-ul awb-menu__main-ul_column\"><li  id=\"menu-item-4264\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4264 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4264\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a href=\"https:\/\/gestionderiesgo.org\/en\/quienes-somos\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span 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awb-menu__main-background-active_fade\"><\/span><a href=\"https:\/\/gestionderiesgo.org\/en\/comisiones-de-trabajo\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Comisiones de Trabajo<\/span><\/a><\/li><li  id=\"menu-item-4268\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4268 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4268\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a href=\"https:\/\/gestionderiesgo.org\/en\/estatutos\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Estatutos<\/span><\/a><\/li><li  id=\"menu-item-4267\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4267 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4267\"><span 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fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:25%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-five\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">CGR Educa<\/h5><\/div><nav class=\"awb-menu awb-menu_column awb-menu_em-hover mobile-mode-collapse-to-button awb-menu_icons-left awb-menu_dc-yes mobile-trigger-fullwidth-off awb-menu_mobile-toggle awb-menu_indent-left 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aria-expanded=\"false\" aria-controls=\"menu-cgrrd\"><span class=\"awb-menu__m-toggle-inner\"><span class=\"collapsed-nav-text\"><span class=\"screen-reader-text\">Toggle Navigation<\/span><\/span><span class=\"awb-menu__m-collapse-icon awb-menu__m-collapse-icon_no-text\"><span class=\"awb-menu__m-collapse-icon-open awb-menu__m-collapse-icon-open_no-text fa-bars fas\"><\/span><span class=\"awb-menu__m-collapse-icon-close awb-menu__m-collapse-icon-close_no-text fa-times fas\"><\/span><\/span><\/span><\/button><ul id=\"menu-cgrrd\" class=\"fusion-menu awb-menu__main-ul awb-menu__main-ul_column\"><li  id=\"menu-item-4276\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4276 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4276\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a href=\"https:\/\/gestionderiesgo.org\/en\/webinars-celebrados\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Webinars celebrados<\/span><\/a><\/li><li  id=\"menu-item-4277\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4277 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4277\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a href=\"https:\/\/gestionderiesgo.org\/en\/blog\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Blog del CGR<\/span><\/a><\/li><li  id=\"menu-item-4278\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4278 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4278\"><span class=\"awb-menu__main-background-default 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fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:0px;--awb-width-medium:25%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-five\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Pol\u00edticas<\/h5><\/div><nav class=\"awb-menu awb-menu_column awb-menu_em-hover mobile-mode-collapse-to-button awb-menu_icons-left awb-menu_dc-yes mobile-trigger-fullwidth-off awb-menu_mobile-toggle awb-menu_indent-left mobile-size-full-absolute loading mega-menu-loading awb-menu_desktop awb-menu_dropdown awb-menu_expand-right awb-menu_transition-fade\" style=\"--awb-text-transform:none;--awb-submenu-text-transform:none;--awb-main-justify-content:flex-start;--awb-mobile-justify:flex-start;--awb-mobile-caret-left:auto;--awb-mobile-caret-right:0;--awb-fusion-font-family-typography:inherit;--awb-fusion-font-style-typography:normal;--awb-fusion-font-weight-typography:400;--awb-fusion-font-family-submenu-typography:inherit;--awb-fusion-font-style-submenu-typography:normal;--awb-fusion-font-weight-submenu-typography:400;--awb-fusion-font-family-mobile-typography:inherit;--awb-fusion-font-style-mobile-typography:normal;--awb-fusion-font-weight-mobile-typography:400;\" aria-label=\"Politicas\" data-breakpoint=\"1024\" data-count=\"3\" data-transition-type=\"fade\" data-transition-time=\"300\" data-expand=\"right\"><button type=\"button\" class=\"awb-menu__m-toggle awb-menu__m-toggle_no-text\" aria-expanded=\"false\" 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href=\"https:\/\/gestionderiesgo.org\/en\/politicas-de-entrega\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Pol\u00edtica de entrega<\/span><\/a><\/li><li  id=\"menu-item-4380\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4380 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4380\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a href=\"https:\/\/gestionderiesgo.org\/en\/politicas-de-cancelacion\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Pol\u00edtica de cancelaci\u00f3n<\/span><\/a><\/li><li  id=\"menu-item-4381\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4381 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4381\"><span 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reembolso<\/span><\/a><\/li><li  id=\"menu-item-4271\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-privacy-policy menu-item-4271 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4271\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a href=\"https:\/\/gestionderiesgo.org\/en\/politicasdeprivacidad\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Pol\u00edticas de Privacidad<\/span><\/a><\/li><li  id=\"menu-item-4383\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4383 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4383\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a href=\"https:\/\/gestionderiesgo.org\/en\/politicas-de-seguridad\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Pol\u00edticas de seguridad en los pagos<\/span><\/a><\/li><li  id=\"menu-item-4410\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4410 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"4410\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a href=\"https:\/\/gestionderiesgo.org\/en\/terminos-y-condiciones-2\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">T\u00e9rminos y Condiciones<\/span><\/a><\/li><\/ul><\/nav><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column 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https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2023\/01\/Verified.png 480w\" sizes=\"(max-width: 540px) 100vw, 480px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-2\"><p style=\"text-align: center;\">\u00a9 COPYRIGHT 2022 ALL RIGHTS RESERVED GESTION DE RIESGO RD SRL.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":26852,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-26856","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/pages\/26856","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/comments?post=26856"}],"version-history":[{"count":0,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/pages\/26856\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/pages\/26852"}],"wp:attachment":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/media?parent=26856"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}