{"id":90260,"date":"2020-11-18T08:00:33","date_gmt":"2020-11-18T14:00:33","guid":{"rendered":"https:\/\/www.uv.mx\/prensa\/?p=90260"},"modified":"2021-04-08T18:33:37","modified_gmt":"2021-04-08T23:33:37","slug":"mexico-carece-de-una-cultura-de-educacion-financiera-y-formal","status":"publish","type":"post","link":"https:\/\/www.uv.mx\/prensa\/general\/mexico-carece-de-una-cultura-de-educacion-financiera-y-formal\/","title":{"rendered":"M\u00e9xico carece de una cultura de educaci\u00f3n financiera y formal"},"content":{"rendered":"<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><i><span data-contrast=\"auto\">Martha Eugenia Mancera Tovar, economista<\/span><\/i><i><span data-contrast=\"auto\">\u00a0de\u00a0<\/span><\/i><span data-contrast=\"auto\">Banxico<\/span><i><span data-contrast=\"auto\">,<\/span><\/i><i><span data-contrast=\"auto\">\u00a0habl\u00f3<\/span><\/i><i><span data-contrast=\"auto\">\u00a0<\/span><\/i><i><span data-contrast=\"auto\">sobre e<\/span><\/i><i><span data-contrast=\"auto\">l financiamiento<\/span><\/i><i><span data-contrast=\"auto\">\u00a0y\u00a0<\/span><\/i><i><span data-contrast=\"auto\">el\u00a0<\/span><\/i><i><span data-contrast=\"auto\">endeudamiento<\/span><\/i><i><span data-contrast=\"auto\">\u00a0<\/span><\/i><i><span data-contrast=\"auto\">en\u00a0<\/span><\/i><i><span data-contrast=\"auto\">la Semana Nacional de Educaci\u00f3n<\/span><\/i><i><span data-contrast=\"auto\">\u00a0Financiera<\/span><\/i><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<div id=\"attachment_90261\" style=\"width: 732px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.uv.mx\/prensa\/files\/2020\/11\/171120-BANXICO-1-100k.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-90261\" class=\"size-full wp-image-90261\" src=\"https:\/\/www.uv.mx\/prensa\/files\/2020\/11\/171120-BANXICO-1-100k.jpg\" alt=\"Martha Eugenia Mancera Tovar imparti\u00f3 una ponencia dentro de la Semana Nacional de Educaci\u00f3n Financiera (SNEF) 2020 \" width=\"722\" height=\"404\" srcset=\"https:\/\/www.uv.mx\/prensa\/files\/2020\/11\/171120-BANXICO-1-100k.jpg 722w, https:\/\/www.uv.mx\/prensa\/files\/2020\/11\/171120-BANXICO-1-100k-300x168.jpg 300w\" sizes=\"auto, (max-width: 722px) 100vw, 722px\" \/><\/a><p id=\"caption-attachment-90261\" class=\"wp-caption-text\">Martha Eugenia Mancera Tovar imparti\u00f3 una ponencia dentro de la Semana Nacional de Educaci\u00f3n Financiera (SNEF) 2020<\/p><\/div>\n<p>&nbsp;<\/p>\n<p><b><i><span data-contrast=\"auto\">Claudia Peralta V\u00e1zquez<\/span><\/i><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><i><span data-contrast=\"auto\">1<\/span><\/i><\/b><b><i><span data-contrast=\"auto\">8<\/span><\/i><\/b><b><i><span data-contrast=\"auto\">\/11\/20<\/span><\/i><\/b><b><i><span data-contrast=\"auto\">20<\/span><\/i><\/b><b><i><span data-contrast=\"auto\">, Xalapa,\u00a0<\/span><\/i><\/b><b><i><span data-contrast=\"auto\">Ver.-<\/span><\/i><\/b><b><i><span data-contrast=\"auto\">\u00a0<\/span><\/i><\/b><span data-contrast=\"auto\">En M\u00e9xico hay una falta de cultura de educaci\u00f3n econ\u00f3mica y financiera formal,\u00a0<\/span><span data-contrast=\"auto\">por lo cual\u00a0<\/span><span data-contrast=\"auto\">se ha abusado del financiamiento y<\/span><span data-contrast=\"auto\">, en consecuencia,\u00a0<\/span><span data-contrast=\"auto\">al igual que otros pa\u00edses en desarrollo,\u00a0<\/span><span data-contrast=\"auto\">tenemos altos niveles de endeudamiento, subray\u00f3 la economista\u00a0<\/span><span data-contrast=\"auto\">Martha Eugenia Mancera Tovar<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">La especialista<\/span><span data-contrast=\"auto\">\u00a0del Banco de M\u00e9xico (<\/span><i><span data-contrast=\"auto\">Banxico<\/span><\/i><span data-contrast=\"auto\">) imparti\u00f3 la conferencia<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">\u201c<\/span><span data-contrast=\"auto\">Financiamiento: bondades y riesgos<\/span><span data-contrast=\"auto\">\u201d, el pasado 11 de noviembre, dentro de la Semana Nacional de Educaci\u00f3n Financiera<\/span><span data-contrast=\"auto\">\u00a0(SNEF)<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">2020<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0de la Comisi\u00f3n Nacional para la Defensa\u00a0<\/span><span data-contrast=\"auto\">y Protecci\u00f3n de los Usuarios de\u00a0<\/span><span data-contrast=\"auto\">S<\/span><span data-contrast=\"auto\">ervicios Financieros (<\/span><i><span data-contrast=\"auto\">Condusef<\/span><\/i><span data-contrast=\"auto\">),\u00a0<\/span><span data-contrast=\"auto\">en cuya organizaci\u00f3n intervino la\u00a0<\/span><span data-contrast=\"auto\"><a href=\"https:\/\/www.uv.mx\/\" target=\"_blank\" rel=\"noopener noreferrer\">Universidad Veracruzana<\/a> (UV)<\/span><span data-contrast=\"auto\">, a trav\u00e9s de las direcciones\u00a0<\/span><span data-contrast=\"auto\">generales\u00a0<\/span><span data-contrast=\"auto\">de Desarrollo Acad\u00e9mico e Innovaci\u00f3n Educativa,\u00a0<\/span><span data-contrast=\"auto\">de\u00a0<\/span><span data-contrast=\"auto\">Investigaciones,<\/span><span data-contrast=\"auto\">\u00a0y del \u00c1rea Acad\u00e9mica Econ\u00f3mico-<\/span><span data-contrast=\"auto\">Administrativa.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Durante su ponencia<\/span><span data-contrast=\"auto\">\u00a0transmitida a trav\u00e9s de Tele<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">UV,<\/span><span data-contrast=\"auto\">\u00a0y moderada por Rogelio Ladr\u00f3n de Guevara Cort\u00e9s, investigador de la UV,\u00a0<\/span><span data-contrast=\"auto\">l<\/span><span data-contrast=\"auto\">a titular de la Direcci\u00f3n de Educaci\u00f3n Financiera y Fomento Cultural de\u00a0<\/span><i><span data-contrast=\"auto\">Banxico<\/span><\/i><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0lanz\u00f3 las siguientes preguntas: \u00bfqu\u00e9 nos orilla a pedir prestado?<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">\u00bf<\/span><span data-contrast=\"auto\">e<\/span><span data-contrast=\"auto\">s un mal necesario, es bueno o malo<\/span><span data-contrast=\"auto\">?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Al respecto, indic\u00f3 que el fi<\/span><span data-contrast=\"auto\">nanciamiento no es buen<\/span><span data-contrast=\"auto\">o ni malo, el calificativo se da en funci\u00f3n de las condiciones de la salud financiera de cada persona que decide contratar un plan de financiamiento,\u00a0<\/span><span data-contrast=\"auto\">y sobre todo\u00a0<\/span><span data-contrast=\"auto\">de\u00a0<\/span><span data-contrast=\"auto\">la administraci\u00f3n<\/span><span data-contrast=\"auto\">\u00a0que\u00a0<\/span><span data-contrast=\"auto\">le<\/span><span data-contrast=\"auto\">s<\/span><span data-contrast=\"auto\">\u00a0den a estos recursos prestados.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Coment\u00f3 que \u00e9<\/span><span data-contrast=\"auto\">ste es u<\/span><span data-contrast=\"auto\">n tema trascendental en\u00a0<\/span><span data-contrast=\"auto\">tiempo<\/span><span data-contrast=\"auto\">s de pandemia, puesto que<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">hoy en d\u00eda\u00a0<\/span><span data-contrast=\"auto\">los recursos de las familias<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0e incluso de las inst<\/span><span data-contrast=\"auto\">ituciones, se han visto mermados y se enfrentan a problemas de liquidez.<\/span><\/p>\n<div id=\"attachment_90262\" style=\"width: 732px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.uv.mx\/prensa\/files\/2020\/11\/171120-BANXICO-2-100k.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-90262\" class=\"size-full wp-image-90262\" src=\"https:\/\/www.uv.mx\/prensa\/files\/2020\/11\/171120-BANXICO-2-100k.jpg\" alt=\"La economista recomend\u00f3 tomar decisiones orientadas antes de adquirir una deuda\" width=\"722\" height=\"396\" srcset=\"https:\/\/www.uv.mx\/prensa\/files\/2020\/11\/171120-BANXICO-2-100k.jpg 722w, https:\/\/www.uv.mx\/prensa\/files\/2020\/11\/171120-BANXICO-2-100k-300x165.jpg 300w\" sizes=\"auto, (max-width: 722px) 100vw, 722px\" \/><\/a><p id=\"caption-attachment-90262\" class=\"wp-caption-text\">La economista recomend\u00f3 tomar decisiones orientadas antes de adquirir una deuda<\/p><\/div>\n<p><span data-contrast=\"auto\">Profundiz\u00f3<\/span><span data-contrast=\"auto\">\u00a0en torno a las\u00a0<\/span><span data-contrast=\"auto\">principales razones por las cuales<\/span><span data-contrast=\"auto\">\u00a0las personas suelen pedir prestado, y los<\/span><span data-contrast=\"auto\">\u00a0elementos que<\/span><span data-contrast=\"auto\">\u00a0deben tomarse en cuenta antes de\u00a0<\/span><span data-contrast=\"auto\">contratar cualquier tipo de financiamiento<\/span><span data-contrast=\"auto\">\u00a0pues<\/span><span data-contrast=\"auto\">\u00a0una vez que se adquiere una deuda los recursos futuros se ven\u00a0<\/span><span data-contrast=\"auto\">trastocados<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Mancera Tovar expuso que la escasez<\/span><span data-contrast=\"auto\">\u00a0es un pro<\/span><span data-contrast=\"auto\">blema econ\u00f3mico al que todas las personas se enfrentan\u00a0ante\u00a0las necesidades y deseos\u00a0<\/span><span data-contrast=\"auto\">ilimitados.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u201cAl cont<\/span><span data-contrast=\"auto\">ar con recursos limitados para satisfacer todas nuestras necesidades y<\/span><span data-contrast=\"auto\">\u00a0deseos ilimitados, se debe<\/span><span data-contrast=\"auto\">\u00a0decidir c\u00f3mo usar ese dinero que recibimos a trav\u00e9s<\/span><span data-contrast=\"auto\">\u00a0de alg\u00fan sueldo, negocio, beneficios de\u00a0<\/span><span data-contrast=\"auto\">alg\u00fan programa social, donativo<\/span><span data-contrast=\"auto\">\u00a0o de alguna asociaci\u00f3n<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\">\u201d<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Independientemente de la fuente o del o<\/span><span data-contrast=\"auto\">rigen, ese dinero<\/span><span data-contrast=\"auto\">\u00a0debe usar<\/span><span data-contrast=\"auto\">se<\/span><span data-contrast=\"auto\">\u00a0para cubrir esas necesidades a trav\u00e9s del consumo<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0del ahorro,<\/span><span data-contrast=\"auto\">\u00a0o de\u00a0<\/span><span data-contrast=\"auto\">la inversi\u00f3n.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Se\u00f1al\u00f3 que para ello es\u00a0<\/span><span data-contrast=\"auto\">preciso<\/span><span data-contrast=\"auto\">\u00a0tomar decisiones informadas pues conllevan un costo de<\/span><span data-contrast=\"auto\">\u00a0oportunidad.<\/span><span data-contrast=\"auto\">\u00a0\u201cTenemos que definir si nuestra necesidad cubre\u00a0<\/span><span data-contrast=\"auto\">en realidad lo que se requiere, a lo mej<\/span><span data-contrast=\"auto\">or est\u00e1 movida<\/span><span data-contrast=\"auto\">\u00a0por la emoci\u00f3n y\u00a0<\/span><span data-contrast=\"auto\">se\u00a0<\/span><span data-contrast=\"auto\">piensa que es una necesidad<\/span><span data-contrast=\"auto\">\u201d<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">R<\/span><span data-contrast=\"auto\">especto a lo anterior,<\/span><span data-contrast=\"auto\">\u00a0una necesidad es catalogada como algo que pone en riesgo la<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">integridad, vida o subsistencia;<\/span><span data-contrast=\"auto\">\u00a0mientras qu<\/span><span data-contrast=\"auto\">e un deseo es la forma en c\u00f3mo se cubre<\/span><span data-contrast=\"auto\">\u00a0esa necesidad,\u00a0<\/span><span data-contrast=\"auto\">a trav\u00e9s de todos los productos y<\/span><span data-contrast=\"auto\">\u00a0servicios que<\/span><span data-contrast=\"auto\">\u00a0ofrece la mercadotecnia.<\/span><\/p>\n<div id=\"attachment_90263\" style=\"width: 732px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.uv.mx\/prensa\/files\/2020\/11\/171120-BANXICO-3-100k.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-90263\" class=\"size-full wp-image-90263\" src=\"https:\/\/www.uv.mx\/prensa\/files\/2020\/11\/171120-BANXICO-3-100k.jpg\" alt=\"La especialista de Banxico dijo que el financiamiento compromete parte de los ingresos y consumos futuros \" width=\"722\" height=\"403\" srcset=\"https:\/\/www.uv.mx\/prensa\/files\/2020\/11\/171120-BANXICO-3-100k.jpg 722w, https:\/\/www.uv.mx\/prensa\/files\/2020\/11\/171120-BANXICO-3-100k-300x167.jpg 300w\" sizes=\"auto, (max-width: 722px) 100vw, 722px\" \/><\/a><p id=\"caption-attachment-90263\" class=\"wp-caption-text\">La especialista de Banxico dijo que el financiamiento compromete parte de los ingresos y consumos futuros<\/p><\/div>\n<p><span data-contrast=\"auto\">En ese sentido,<\/span><span data-contrast=\"auto\">\u00a0es recomendable<\/span><span data-contrast=\"auto\">\u00a0valorar la<\/span><span data-contrast=\"auto\">\u00a0urgencia<\/span><span data-contrast=\"auto\">\u00a0de satisfacer esa necesidad<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">y\u00a0<\/span><span data-contrast=\"auto\">si\u00a0<\/span><span data-contrast=\"auto\">se cuenta<\/span><span data-contrast=\"auto\">\u00a0con el dinero para cubrirla<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0adelante, pero<\/span><span data-contrast=\"auto\">\u00a0antes<\/span><span data-contrast=\"auto\">\u00a0es muy importante investigar<\/span><span data-contrast=\"auto\">\u00a0y revisar la\u00a0<\/span><span data-contrast=\"auto\">calidad, precios, tasas de inter\u00e9s,<\/span><span data-contrast=\"auto\">\u00a0comisiones y<\/span><span data-contrast=\"auto\">\u00a0beneficios ad<\/span><span data-contrast=\"auto\">icionale<\/span><span data-contrast=\"auto\">s de ese financiamiento, apunt\u00f3<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u201c<\/span><span data-contrast=\"auto\">Antes de incurrir en cualquier<\/span><span data-contrast=\"auto\">\u00a0tipo de<\/span><span data-contrast=\"auto\">\u00a0deuda\u00a0<\/span><span data-contrast=\"auto\">se debe<\/span><span data-contrast=\"auto\">\u00a0analizar el estado de\u00a0<\/span><span data-contrast=\"auto\">las<\/span><span data-contrast=\"auto\">\u00a0finanzas personales, cu<\/span><span data-contrast=\"auto\">\u00e1<\/span><span data-contrast=\"auto\">l es el flujo de efectivo, ver\u00a0<\/span><span data-contrast=\"auto\">los<\/span><span data-contrast=\"auto\">\u00a0ingresos, gastos<\/span><span data-contrast=\"auto\">, y\u00a0<\/span><span data-contrast=\"auto\">llevar un registro de todos esos movimientos de dinero para saber\u00a0<\/span><span data-contrast=\"auto\">cu\u00e1l<\/span><span data-contrast=\"auto\">\u00a0es la capacidad de pago<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\">\u201d<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Asever\u00f3 que\u00a0<\/span><span data-contrast=\"auto\">en cierta medida el financiamien<\/span><span data-contrast=\"auto\">to compromete una parte de los ingresos y consumos futuros, precisamente porque ese recurso se destina para pagar la deuda\u00a0<\/span><span data-contrast=\"auto\">y en m<\/span><span data-contrast=\"auto\">uchas ocasiones las personas no son\u00a0<\/span><span data-contrast=\"auto\">conscientes de que<\/span><span data-contrast=\"auto\">\u00a0disminuir\u00e1 su<\/span><span data-contrast=\"auto\">\u00a0liq<\/span><span data-contrast=\"auto\">uidez durante la vigencia de ese compromiso.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Por tanto, se tienen que ajustar<\/span><span data-contrast=\"auto\">\u00a0gastos y estilo de vida para pagarla.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Explic\u00f3 que el<\/span><span data-contrast=\"auto\">\u00a0financiamiento es lo opuesto al ahorro,<\/span><span data-contrast=\"auto\">\u00a0pues en este \u00faltimo se sacrifica parte del\u00a0<\/span><span data-contrast=\"auto\">c<\/span><span data-contrast=\"auto\">onsumo presente para gastarlo o invertirlo en el<\/span><span data-contrast=\"auto\">\u00a0futuro, pero con recursos propios y sin endeudar<\/span><span data-contrast=\"auto\">se<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Martha Eugenia Mancera Tovar, economista de Banxico, habl\u00f3 sobre el financiamiento y el endeudamiento en la Semana Nacional de Educaci\u00f3n Financiera <\/p>\n","protected":false},"author":1775,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[516,1787,1908,2002,2156,2157,591,2159,2158,579,2153,277,2154,2155],"class_list":["post-90260","post","type-post","status-publish","format-standard","hentry","category-general","tag-516","tag-area-academica-economico-administrativa","tag-banco-de-mexico","tag-banxico","tag-comision-nacional-para-la-defensa-y-proteccion-de-los-usuarios-de-servicios-financieros","tag-condusef","tag-conferencia","tag-desarrollo-academico-e-innovacion-educativa","tag-direcciones-generales","tag-especialista","tag-financiamiento-bondades-y-riesgos","tag-investigaciones","tag-semana-nacional-de-educacion-financiera","tag-snef"],"_links":{"self":[{"href":"https:\/\/www.uv.mx\/prensa\/wp-json\/wp\/v2\/posts\/90260","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.uv.mx\/prensa\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.uv.mx\/prensa\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.uv.mx\/prensa\/wp-json\/wp\/v2\/users\/1775"}],"replies":[{"embeddable":true,"href":"https:\/\/www.uv.mx\/prensa\/wp-json\/wp\/v2\/comments?post=90260"}],"version-history":[{"count":1,"href":"https:\/\/www.uv.mx\/prensa\/wp-json\/wp\/v2\/posts\/90260\/revisions"}],"predecessor-version":[{"id":90412,"href":"https:\/\/www.uv.mx\/prensa\/wp-json\/wp\/v2\/posts\/90260\/revisions\/90412"}],"wp:attachment":[{"href":"https:\/\/www.uv.mx\/prensa\/wp-json\/wp\/v2\/media?parent=90260"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.uv.mx\/prensa\/wp-json\/wp\/v2\/categories?post=90260"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.uv.mx\/prensa\/wp-json\/wp\/v2\/tags?post=90260"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}