Bajo la óptica del World Bank Group (Finance & Markets), IFC (Corporación Financiera Internacional) y el Banco Mundial (BIRF-AIF)
12o Congreso Nacional – Ponencia
El Ministerio de la Producción de la República Argentina solicitó, en el marco del Proyecto de Acceso al Financiamiento a más Largo Plazo para Medianas y Pequeñas Empresas (MIPYMEs) al Banco Mundial -Práctica Global de Finance and Markets-, un diagnóstico sobre el marco jurídico, institucional y prácticas vigentes en materia de garantías mobiliarias.
En el mes de agosto de 2016, esos organismos presentaron el informe elaborado, reseñando la situación de las garantías mobiliarias en nuestro país y las propuestas de modificaciones normativas que entienden serían necesarias para arribar a los objetivos que establecen.
No pretendemos realizar un análisis dogmático ni jurídico de dicho documento sino, simplemente, poner en valor esas opiniones a la luz de nuestro marco jurídico-registral.
En principio, bajo un extenso informe de ciento cincuenta y cuatro hojas (154), divido en varios puntos, se desarrolla un análisis financiero y jurídico minucioso de todas las garantías mobiliarias existentes en la República, con el objeto de realizar recomendaciones legislativas y de política para modernizar el marco actual en base a lasmejores prácticas y estándares internacionales.
A manera de introducción señala que, en nuestro país, “los servicios financieros no llegan a un número importante de pequeñas empresas, que actualmente sufren de una brecha significativa de crédito necesario para su crecimiento y competitividad. La falta de acceso al crédito surge por un lado de la carencia de préstamos a largo plazo y por otro lado por la inhabilidad de utilizar los bienes muebles como garantía”.
Para ello compara las características del sistema actual con las prácticas y estándares internacionales concluyendo, como más adelante se expondrá, que correspondería considerar una reforma íntegra del sistema.
A juicio de estos veedores internacionales, para lograr un sistema de garantías mobiliarias eficiente, resultaría vital reglamentar y rediseñar un registro moderno, electrónico y centralizado, incluyendo para ello una modificación legislativa acorde a determinados estándares internacionales.
Proponen, por un lado, una reforma al marco jurídico actual bajo un nuevo formato le-gislativo estableciendo, entre otros considerandos, el ámbito de aplicación de la ley, un sistema unitario de garantías mobiliarias, publicidad de las mismas, oponibilidad y orden de privilegios entre acreedores, ejecución de las garantías y normas transitorias para regular el régimen anterior.
Recomiendan, también, la creación de un registro centralizado, moderno, “on line” que dé aviso a terceros sobre la existencia de garantías mobiliarias, estableciendo un criterio único de prelación en base al principio “priori en tempore priore in iure” (primero en tiempo, mejor en derecho). Este registro debería cubrir requerimientos básicos, tales como un registro centralizado único, público (aunque puede gestionarse en forma privada), accesible al público a través de internet, con una función limitada del registrador, de la facultad de calificación registral, y derechos de cobros de bajo costos.
Para asegurar el éxito de estas reformas al sistema de garantías mobiliarias se debe sumar, también, un componente de capacitación y socialización sobre el nuevo sistema (tanto para prestamistas como prestatarios) para que conozcan y den empleo correcto al nuevo sistema. Todo ello seguido de un monitoreo que permita reflejar el impacto producido y medir el incremento de acceso al crédito por parte de las empresas.
I – ANTECEDENTES
Sabido es que, en materia de garantías mobiliarias, el uso de bienes muebles, como garantía de un préstamo, permite que las empresas puedan oxigenar su economía aumentando su capital productivo utilizando, para ello, sus activos como garantía crediticia.
Un sistema funcional y ágil de garantías mobiliarias permite facilitar el acceso al crédito a todos los sectores y actores económicos, en especial, a las medianas y pequeñas empresas, como también a los sectores productivos y agropecuarios.
Para el Banco Mundial, la Argentina cuenta con perspectivas significativas para mejorar sobre la materia habida cuenta que en la clasificación del Doing Business Report 2016, en materia de acceso al financiamiento, “la Argentina ocupa el puesto 79 de 188 economías globales”.
Señala, asimismo, el Banco Mundial que nuestro país examinó, tiempo atrás, la posibilidad de reformar el régimen de garantías mobiliarias mediante un proyecto del Banco Central de la República Argentina y de una consultoría del Centro de Estudios Económicos de la Ley pero que, a diferencia de varios países de la región que han emprendido reformas en la materia con un impacto significativo en el acceso al financiamiento y al capital productivo local, nuestro país no lo ha hecho hasta la actualidad.
II – INTRODUCCIÓN
Para el GBM (Grupo Banco Mundial) una nueva ley de garantías mobiliarias que se ajuste a los estándares internacionales en la materia, aunado a un único registro centralizado, electrónico por internet, con bajo costos y accesible para todos, ayudaría a las empresas argentinas a obtener mayor y mejor financiación, merced a una flexibilidad en la operatoria crediticia.
Sin estas características, a juicio de ese organismo internacional, el crédito se acrecienta en cuanto a sus costos y la oferta consecuentemente será más limitada, especialmente para los prestatarios, bienes, y sectores más vulnerables (v.g. pequeñas empresas, sector agropecuario).
En este orden de ideas señala que los países de la región que han adoptado un sistema de garantías mobiliarias, como el aquí propiciado por el GBM, han incrementado el capital crediticio disponible de su economía local, como también han reducido significativamente los riesgos que comportan un préstamo reduciendo el costo de los mismos y aumentando la competitividad entre los distintos actores nacionales. Así, es el caso de varios países de América Latina y el Caribe, como Colombia, Costa Rica, México, Honduras y Jamaica. En tanto que otros países de la región se encuentran en proceso de reforma al régimen de garantías mobiliarias. Tal es el caso de Chile, Paraguay, Perú, República Dominicana, Surinam y Trinidad y Tobago.
III – ANÁLISIS FINANCIERO
Lo expuesto, en este aspecto, no resulta interesante destacar la situación de las MIPYMES, que a pesar de ocupar un papel preponderante en la economía local, ya que emplean la mitad de la fuerza de trabajo, carecen de acceso a la financiación a largo plazo, lo que a menudo complican su nivel de competitividad y crecimiento en cuanto a sus operaciones. A pesar de haber recibido desde el año 2009 un incremento en los créditos a un promedio de 42% (interanual), reciben solo el 13% del crédito del sector financiero al sector privado.
Sumado a lo expuesto, la financiación bancaria para las MIPYMES es de elevado costo. Ello obedece, principalmente, a tres factores: a) la falta de crédito a largo plazo genera créditos a corto plazo con altas tasas de interés; b) altos cobros de impuestos sobre las transacciones financieras desalientan a las pymes a buscar endeudamiento; c) el sector bancario limita la oferta de créditos a las pymes, por cuanto les resulta más rentable inyectar crédito al consumo y préstamos a más grandes empresas y por el alto nivel de informalidad especialmente de las micro-empresas y empresarios.
En conclusión, para que las PYMES puedan acceder al mercado de crédito empleando para ello sus activos más importantes (bienes muebles, materias primas, cuentas por cobrar, inventarios, depósitos, etc.) como garantías mobiliarias, resultará menester desde la óptica del GBM- modernizar el marco jurídico e institucional sobre esa herramienta crediticia.
IV – ANÁLISIS JURÍDICO
Tomando como base estándares y mejores prácticas internacionales -entre otras, la Ley Modelo de la OEA sobre garantías mobiliarias, la Comisión de las Naciones Unidas para el Derecho Comercial Internacional (UNICTRAL), el Instituto Internacional de Unificación del Derecho Privado (UNIDROIT), la Conferencia de la Haya del Derecho Internacional Privado y otros organismos como el Banco Europeo de Reconstrucción y Desarrollo, la Corporación Financiera Internacional (IFC), el Banco Interamericano de Desarrollo (BID), el Banco Mundial se ha ocupado de elaborar instrumentos internacionales, con el fin de formular un amplio y global marco normativo moderno y simplificado destinado a constituir, hacer oponibles a terceros y asegurar un mecanismo de ejecución ágil de las garantías reales sobre bienes muebles.
En base a estos estándares, el organismo multilateral de crédito sostiene que “la República Argentina no cuenta con un marco jurídico integrado o uniforme en materia de garantías mobiliarias”, sino que se encuentra disperso en normas diversas, incluyendo el Código Civil y Comercial de la Nación, que incorpora normas generales sobre todo tipo de derechos reales de garantía, aplicables tanto a las garantías inmobiliarias (hipoteca y anticresis, arts. 2.205-2.218) como a las garantías mobiliarias (arts. 2.219-2.237).
Para el GBM, el concepto de garantía mobiliaria abarca en general todo tipo de instrumento o mecanismo jurídico empleado para crear un interés o pignoración sobre un bien mueble. Para la Argentina, en cambio, el concepto de garantía mobiliaria constituye un derecho real, susceptible de recaer tanto en bienes corporales (materiales) como incorporales (inmateriales), tanto para cosas “registrables” como “no registrables” dependiendo si una ley especial exige su inscripción registral.
Conforme a nuestro derecho, una garantía mobiliaria constituye un derecho real accesorio a la obligación garantizada, constituido solo por contrato y siendo su regulación de orden público (Conf. CCCN, Arts. 1.882, 1.890, 1.889 y 1.884).
El GBM realiza un diagnóstico crítico de nuestro marco jurídico en materia de garantías mobiliarias señalando:
– No es único o unificado.
– No cubre dentro de un solo esquema la creación, publicidad y el cumplimiento de
la garantía.
– Es constitutivo del derecho real de garantía.
– Requiere la inscripción de los documentos contractuales.
– Es sujeto a la calificación registral.
– Requiere autenticación del contrato o instrumento público.
– No permite la inscripción directa por parte del acreedor.
– No es electrónico ni está disponible por internet.
– Tiene un costo “ad valorem” alto que puede actuar como desincentivo en el uso de las garantías.
Resalta que el sistema de registro actual cuenta con muy pocas funcionalidades modernas y no emplean las tecnologías de la información de manera efectiva, señalando a manera de ejemplo que no se permite “a los acreedores, registrar, buscar, enmendar o cancelar garantías reales por internet”. Y que, en general, la registración de garantías mobiliarias requieren de la inscripción del contrato de préstamo o de garantía, los cuales “son principalmente consultables solamente en persona y en formato papel en la oficina del registro”, y que salvo las ejecuciones previstas por el artículo 39 de la Ley 12.962 aplicables a determinados acreedores, el marco actual “no permite la recuperación y enajenación de bienes en garantía de manera expedita y extrajudicial”; lo que en materia de ejecución juega como un gran desincentivo para los usuarios que pretenden utilizar estas herramientas crediticias.
En síntesis, para el GBM, el uso limitado de bienes muebles como garantía deviene de un sistema jurídico y registral anticuado y fragmentado. La combinación de estos factores, así como la incertidumbre de recuperación en caso de incumplimiento, “contribuyen de manera directa a que se prescinda de esta peculiar garantía mobiliaria como factor de financiamiento y/u obtención de crédito”.
Para tal diagnóstico, el GBM recorrió de manera sucintamente varias figuras de garantías mobiliarias vigentes en nuestro derecho positivo, para luego analizarlas y compararlas a la luz de los estándares y prácticas internacionales.
Señala pues, que nuestro régimen jurídico cuenta con varias figuras destinadas a constituir un derecho real de garantía para asegurar el pago de una obligación. Sin embargo, la garantía mobiliaria por excelencia, es la prenda.
Las garantías mobiliarias locales a la luz de estándares internacionales.
Luego de un muestreo de nuestros institutos aplicables a las garantías de bienes muebles coteja los mismos desde la óptica de prácticas y estándares internacionales.
Así, el GBM comienza señalando, que una de las características básicas en materia de garantías mobiliarias en nuestro país, es la fragmentación, esto es la falta de uniformidad de las diversas figuras jurídicas y que, como contrapartida, los regímenes modernos le dan a las garantías mobiliarias un enfoque funcional; esto es sin distinguir innecesariamente las diversas formas del acto jurídico constitutivo que funciona como “título”, sino que adopta un concepto global, uniforme, genérico. Por el cual todo acto jurídico destinado a garantizar el pago de una obligación con un derecho real de garantía sobre un bien mueble se denomina “contrato” o “acuerdo” de garantía, y todo gravamen o derecho real sobre un bien mueble (corporal o incorporal) se denomina “garantía mobiliaria”.
En otros términos, se les da a las garantías mobiliarias un enfoque netamente funcional, con gran preponderancia de la autonomía de la libertad de las partes, prescindiéndose en lo que más se pueda del principio de especialidad, y llevando a casi nula la calificación registral por parte del registrador.
Dejando de lado nuestra posición contraria, el GBM justifica su enfoque netamente funcional arguyendo que se busca evitar una superposición de reglas destinadas a regular un único instituto genérico de las garantías mobiliarias, facilitando a los deudores el pleno aprovechamiento del valor intrínseco de todos sus bienes muebles, y convalidando, a su vez, la constitución de garantías mobiliarias para todo tipo de obligaciones. Y, por otro lado, se busca llevar a la máxima simplicidad los requisitos para la constitución de esto tipo de garantías.
Básicamente, lo concentran en los siguientes elementos: una deuda, un deudor, un acreedor, bienes muebles dados en garantía, y un acuerdo entre las partes donde la garantía sobre los bienes muebles del deudor otorgue derechos al acreedor.
- Contrato de garantía
El GBM pretende un sistema de garantías mobiliarias, donde los contratos sean celebrados por escrito, en instrumento público o privado, a opción de las partes, dando gran amplitud a la libertad de las formas, conteniendo mínimas cláusulas tales como: lugar y fecha, identificación del deudor y su firma, monto máximo de la obligación garantizada o la forma en que esta pueda ser determinada, mención expresa si la garantía se extiende o no a bienes fungibles o de reemplazo que posteriormente adquiera el deudor garante, establecimiento de penas convencionales y sus montos en caso de incumplimiento contractual, y el establecimiento de una cláusula arbitral para someter cualquier disputa a procedimiento arbitral.
- Principio de especialidad
Con el fin de agilizar y afianzar este tipo de garantías, el GBM abandona uno de los pilares más tradicionales en la materia como es el principio de especialidad de las garantías reales, so pretexto que el mismo constituye una seria limitación a la obtención y concesión del crédito garantizado con bienes muebles.
En efecto, fundan tal opinión en que, si bien en algunos casos es posible identificar el bien en garantía en base al número de serie u otros elementos, en muchos otros casos dicha identificación no es posible ni deseable. Tal sería el caso si se pretende gravar las existencias comerciales de un establecimiento, o una cesión global de los créditos de una empresa.
La exigencia del principio de especialidad de imponer una descripción detallada de los bienes en garantía, conlleva costos en términos de tiempo y dinero, costos que serían evitables desear.
Sabido es que la especificación del bien dado en garantía con el mayor detalle posible responde a la conveniencia y precisión de amparar al otorgante de la garantía a fin de no gravar por demás sus bienes, y a la conveniencia de que terceros puedan identificar en cualquier momento, cuál es el patrimonio del deudor que se encuentra gravado.
Sin embargo, la Guía Legislativa del GBM, recomienda que en el acuerdo de garantía se describan los bienes gravados de tal manera que puedan identificarse razonablemente, prescindiendo así del principio de especialidad, pues con una descripción genérica de la obligación garantizada sería suficiente para constituir tal garantía.
c. Publicidad
El elemento fundamental para que la garantía cuente con la persecutoriedad propia de los derechos “in rem”, válido y ejecutable “erga omnes”, es que la garantía mobiliaria pueda ser oponible a terceros.
En el derecho argentino, la transferencia y adquisición de un derecho real requiere la conjunción de un acto jurídico destinado a constituir el derecho real (esto es, “título” suficiente para transmitir o constituir un derecho real), seguido de transferencia de la posesión o la inscripción registral, que es el “modo”que, dependiendo del bien en cuestión, sea suficiente para que dicha adquisición o transferencia se perfeccione o sea oponible a terceros (Conf. Art. 1.892, CCCN, Art. 1.893, CCCN).
d. Instrumento privado
En Argentina el acto constitutivo de una garantía mobiliaria puede ser celebrado por instrumento público o privado que conste de fecha cierta; es decir que, según apreciación judicial, no pueda ser cuestionada en razón de hechos que demuestren que “el instrumento ya estaba firmado o no pudo ser firmado después. La prueba puede producirse por cualquier medio y debe ser apreciada rigurosamente por el juez” (Conf. Art. 317 CCCN).
La inscripción de la garantía mobiliaria en un registro público como su suscripción por un escribano público confieren fecha cierta al instrumento, de allí que en nuestro país -observa el GBM- sea una práctica muy extendida.
Las operaciones de leasing y fideicomiso en garantía requieren, en ambos casos, la celebración de esos contratos en instrumentos público o privado, y dependiendo de la naturaleza del bien en garantía, de su inscripción registral.
Así, los contratos de leasing que tenga por objeto cosas muebles no registrables o software deben ser inscriptos en el Registro de Créditos Prendarios del lugar donde la cosa se encuentre o, en su caso se deba poner a disposición del tomador.
Lo mismo sucede con la prenda con registro, la cual cuenta con un detallado régimen de publicidad registral a cargo de la DNRPA y los distintos Registros Seccionales, dependiendo la inscripción registral de acuerdo asi se trata de una prenda fija o flotante, siendo competente en primer término el Registro correspondiente a la ubicación del bien prendado, en tanto que, en segundo término, resultará competente el Registro Seccional que corresponda al domicilio del deudor.
La oponibilidad a terceros de una prenda sobre derechos de propiedad intelectual, incluyendo marcas patentes, modelos industriales y todo tipo de derechos que comporta la propiedad industrial, comercial y artística debe ser inscripta en un registro especial a cargo del Instituto Nacional de la Propiedad Industrial (INPI), aunque en la práctica y más allá del texto de la ley, sigue siendo el Registro de Créditos Prendarios quien interviene en la inscripción de este tipo de garantías mobiliarias, notificándole posteriormente al INPI, la correspondiente inscripción del contrato.
Decreto 897/95, Art. 2. “Instrúyase a la Dirección de Tecnología Calidad y Propiedad Industrial para que inscriba los contratos en que se constituyen prendas sobre marcas, patentes y enseñas, dibujos y modelos industriales, distinciones honoríficas y todos los derechos que comporta la propiedad comercial, industrial y artística”.
V – ANÁLISIS REGISTRAL
Luego de un profundo y exhaustivo análisis de los derechos y obligaciones de las partes que componen las distintas garantías mobiliarias reconocidas en nuestro marco jurídico, diferenciando entre las garantías mobiliarias que se perfeccionan mediante la transferencia de la posesión al acreedor y aquellas otras en las que el bien en garantía permanece en poder del constituyente de la garantía (deudor), pasando por temas tales como los distintos grados de privilegio o prelación entre los acreedores, hasta las variadas formas de ejecución, el GBM señala que no es posible llevar a cabo una reforma del régimen de garantías mobiliarias en nuestro país, sin antes pensar en la creación de un registro de garantías mobiliarias eficiente, de acceso público, centralizado, electrónico e informativo donde se inscriban, sin detalles innecesarios, la información necesaria para alertar a los terceros que el otorgante de una garantía mobiliaria (deudor) ha gravado o podría gravar sus bienes muebles en garantía mobiliaria.
Manifiesta que el reto que enfrenta una reforma del derecho argentino en materia de garantías mobiliarias consiste en organizar un registro electrónico aplicable a los gravámenes sobre bienes muebles en base a principios y reglas sustancialmente diferentes a las que se aplican al derecho registral inmobiliario; toda vez que a juicio
de ese organismo bancario internacional, nuestro derecho registral en materia de derechos reales se ha formado alrededor de principios aplicables a la transferencia de dominio, la constitución de hipotecas y otros derechos reales sobre inmuebles.
La relevancia que tiene la adopción de un registro electrónico de garantías mobiliarias en base a una plataforma jurídica, tecnológica, administrativa y funcional se refleja en que tanto la Comisión de las Naciones Unidas para el Derecho Mercantil Internacional, como la Organización de Estados Americanos, han decidido elaborar una serie de normas, instrucciones y comentarios acerca de cómo debe operar un registro general electrónico, moderno, eficiente y de bajo costo para inscribir todo tipo de gravámenes sobre bienes recomendando la adopción de un registro especialmente dedicado a la publicidad de garantías reales sobrevienes muebles.
En otros términos, estos órganos de característica global pretenden crear un registro a escala mundial, centralizado y electrónico, en el que se inscriban todas las garantías reales constituidas sobre todos los tipos de bienes muebles, con miras a que la inscripción y la consulta sean operaciones sencillas, rápidas y de poco costo, facilitando así la tarea de todo usuario eventual y del público en general.
Para lograr ello, la inscripción se efectuaría presentando una simple notificación en la que se indicaran sólo los detalles más importantes del acuerdo de garantía; el solicitante de la inscripción no estaría obligado a presentar la documentación ni a probar de algún modo su existencia, buscando de esta manera paliar la ineficacia, los gastos y los retrasos causados por la diversidad de enfoques y la multiplicidad de registros.
Sin embargo, como más adelante se expondrá, pareciera que lo que busca este organismo no es un registro de garantías sino más bien un registro de deudores, desterrando la calificación registral. Esto es no analizar principios básicos como el vicio del consentimiento, vicio de la voluntad, etc., anulando toda posibilidad de análisis jurídico registral o bien, llevarlo a la más mínima expresión, y eliminando básicamente el principio de especialidad en materia de garantías mobiliarias. En fin, un criterio funcional y resultadista.
Sostenemos que es un criterio meramente funcional, toda vez que se pretende la creación de un registro aplicable a todos los derechos reales de garantía sobre bienes muebles, con independencia de la identidad de las partes, la naturaleza del bien gravado o la forma jurídica del acto o título en que se basa la garantía mobiliaria. Así lo establece el artículo 28 de LMU (ver guía legislativa, Making Security Interest Public).
Traspaso y coordinación de los Registros
Para el GBM la creación de un único registro general de garantías mobiliarias no debe, necesariamente, eliminar otros registros, sino que, gradualmente, podrían coordinar la información de gravámenes sobre buques, material rodante ferroviario, aeronaves, derechos de la propiedad intelectual, automotores, etc., migrando el reenvío automático de la información de un registro al otro y posibilitando incluso la inscripción automática en más de un registro.
Con la debida coordinación -sostiene el GBM- no habría óbice para que coexista un registro especial para inscribir garantías de bienes sujetos a extracción (hidrocarburos líquidos, gaseosos y minerales) y otros registros para garantías mobiliarias sobre automotores y ganados.
Finalmente, proponen contemplar la coordinación de la inscripción de bienes, entre el Registro General de Bienes Muebles y el Registro de la Propiedad Inmueble, fundamentalmente para determinar el orden de preferencia y/o privilegio entre garantías mobiliarias sobre bienes muebles incorporados o a incorporarse como accesorios fijos a bienes inmuebles.
Creación de un Registro Electrónico Centralizado
El establecimiento electrónico automatizado es un objetivo seguido por la Ley de Modelo de la OEA que pretende la instalación de un fichero electrónico que se ordenará por nombre del deudor, integrado por una base central de datos y autorizando el acceso electrónico por vía electrónica a los usuarios que lo soliciten, a quienes se les proveerá de una clave de acceso al sistema de registro.
El GBM fundamenta la creación de este tipo de registros, toda vez que las nuevas tecnologías en materia de comunicaciones permiten el acceso remoto al fichero registral, evitando los problemas relacionados con la necesidad de comparecer personalmente ante la mesa de entradas de un Registro, y en el ahorro en términos de tiempo y dinero, disminuyendo el riesgo que presenta el sistema tradicional de las garantías mobiliarias que se apoyan en la transcripción manual de la información en papel, con los datos introducidos por el usuario en base a los formularios previstos en la ley.
Se plantea también una migración gradual del formato papel al electrónico, teniendo en miras para ello la disponibilidad del capital inicial necesario para ponerlo en marcha, la posibilidad de acceso de expertos en tecnología informática, la infraestructura en materia de comunicaciones, etc.
En contraposición a la descentralización de los servicios registrales, que impera en nuestro país, en razón de ser un régimen federal, respetando las soberanía de las provincias, reflejado en la jurisdicción provincial del Registro de la Propiedad Inmueble, como también en el manejo desconcentrado de los Registros Seccionales de la DNRPA, el Banco Mundial postula que los servicios registrales sean prestados por un único órgano, ya sea público o privado, de manera concentrada y centralizada, llevando una única base de datos centralizada para todo el territorio de la Nación.
Sistema de aviso en reemplazo de la inscripción registral del contrato de garantía
El sistema registral que contempla la OEA, para un régimen de garantías moderno, tiende a reemplazar la inscripción registral del contrato de garantía por una “notificación registral o aviso registral”, donde solo figuran los datos básicos de la garantía mobiliaria con la identidad de las partes y una descripción de los bienes gravados.
A juicio de esa organización, ese sistema de inscripción de una “notificación o aviso registral”, simplifica mucho el proceso de inscripción, reduce al mínimo la labor administrativa, evitando los gastos y demoras propios del sistema registral tradicional. Conforme a este sistema de notificación registral, la información es enviada vía electrónica al Registro con una información sucinta del nombre y dirección de las partes y la descripción del bien en garantía, y el periodo de validez de la inscripción solicitado por las partes y el monto máxime realizable al ejecutar la garantía.
Duración de la garantía
Frente a la existencia de un régimen registral moderno y automatizado, se abre la posibilidad de que las partes que celebraron el contrato de garantía puedan pactar y determinar por ellos mismos la duración deseada de la inscripción registral, reservándose el derecho a conceder prórrogas (Guía Legislativa Recomendación 69). En este sistema moderno, donde se prescinde de toda calificación por parte del registrador, éste inscribirá la garantía mobiliaria, al fin de determinar su oponibilidad frente a terceros, corroborando el cumplimiento de ciertos datos: identificación y domicilio del deudor u otorgante de la garantía; identificación y dirección del acreedor garantizado; descripción del bien gravado.
Para este sistema cobra vital importancia el dato relativo a la identificación del deudor, en razón de que, a diferencia de nuestro sistema registral inmobiliario, que se apoya fundamentalmente en “folio real” que identifica el inmueble, los sistemas registrales modernos de garantías mobiliarias se apoyan fundamentalmente en el nombre del deudor u otorgante de la garantía. Ello así, toda vez que organizar el fichero registral en base a los datos identificatorios del deudor permite, mediante una sola inscripción registral, establecer la oponibilidad a terceros sobre los bienes futuros y sujetos a transformación del deudor (como los créditos a cobrar y las existencias comerciales o “inventarios”). Esta es la política que sugiere la ley modelo de la OEA, al señalar en el 43 LM OEA, “el folio electrónico se ordenará por el nombre del deudor garante”.
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A diferencia con la tipificación del acceso a los registros públicos de derechos reales que rige en nuestro país, generalmente accesible a toda persona que justifique un interés legítimo, los registros de garantías modernos, al ser automatizados, permiten que el fichero de bienes electrónico pueda ser accesible a cualquier hora, sin necesidad de asistencia profesional ni del personal del registro por cualquier persona sin que tenga que acreditar interés o razón alguna o condición personal.
Facultades del Registro
El acceso amplio, público y prácticamente irrestricto al fichero registral se contrapone al funcionamiento tradicional de los registros de nuestro país (en especial el inmobiliario) donde la “calificación” de los documentos sometidos a inscripción registral juega un papel preponderante.
En estos registros modernos y automatizados, el Encargado de Registro no tiene la facultad de emprender un examen de fondo de la información provista, debiendo justificar el rechazo de la inscripción de la garantía por razones puramente formales.
Bajo este régimen registral moderno, la inscripción registral no convalida la operación, como tampoco goza de una presunción de legitimidad. Arguyen para desprender al registrador de toda facultad de calificación, que si el registro tuviera que verificar la exactitud fáctica o suficiencia jurídica de la información presentada sería una multiplicación de las demoras, gastos y posibles errores. Razones estas, que llevan al registro de garantías mobiliarias electrónico a tomar distancia del principio de calificación registral.
Va de suyo que, para este sistema propuesto por estos organismos, al no conferirle al Registrador la facultad de controlar o calificar la información enviada al Registro, la responsabilidad civil por los errores u omisiones del Encargado es muy limitada.
Costos de inscripción
Correspondiendo a cada Estado decidir el monto de la tasa a cobrar por los servicios registrales que presta, la Guía Legislativa de la OEA recomienda que los derechos de inscripción reflejen el costo de los servicios prestados y no intente convertirse en una excusa para recaudar fondos, que muchas veces desalientan el acceso al crédito o bien tienen un impacto gravoso en el costo del mismo.
De allí que el GBM opine que el Registro debería abstenerse de cobrar tarifas, aranceles, tasas, impuestos o cualquier otro tipo de derecho de inscripción excepto el monto que refleje los costos del establecimiento y funcionamiento del servicio registral.
La Corporación Financiera Internacional sugiere la conveniencia de establecer una tasa de inscripción fija, relativamente baja y accesible, evitando consultas ociosas y garantizando al mismo tiempo un ingreso suficiente para la recuperación de gastos y mejora permanente del sistema.
La experiencia comparada en más de 35 países muestra una correlación significativa entre el bajo costo de los derechos de inscripción, el alto número de inscripciones registradas y el acceso al crédito a bajo costo respaldado en bienes muebles.
VI – CONCLUSIONES ARRIBADAS
POR EL GBM
En primer lugar, advierten una significante escasez de préstamos sobre bienes muebles en nuestro país, fundando dicha razón en una práctica casi exclusiva de financiación a corto plazo, tanto en el sector financiero como bancario y que, en general, las empresas pequeñas como las medianas se fondean mediante el descuento de cheques de pago diferido, ya que obtienen con este instrumento una forma expedita de lograr rápida liquidez.
Sumado a ello, ponderan la falta de uniformidad en el sistema de garantías y la multiplicidad de mecanismos jurídicos que se pueden emplear para pignorar bienes muebles; el cumplimiento de formalidades para la constitución, inscripción y descripción de la garantía mobiliaria; y un sistema de ejecución relativamente tardío.
También destacan que los bienes muebles como garantía no han cobrado mayor importancia en nuestro país, debido en algunos casos a la situación macro económica y en otros, a la incertidumbre en materia política, que en conjunción han sido barreras para el acceso y financiamiento del crédito.
Por otro lado, resalta el GBM que, al tener el marco jurídico nacional un sistema fragmentado o no unificado de garantías mobiliarias, no se cubre en un solo esquema la creación, publicidad y el cumplimento de la garantía por lo que, en general, las transacciones actuales se limitan al uso de la prenda con registro, descuento de cheques y al leasing financiero sobre bienes corpóreos que cuentan con una descripción pormenorizada como ocurre principalmente con los automotores.
Al tener vigor el principio de especialidad en materia de garantía mobiliaria, no se permite que una empresa pignore sus bienes muebles en general, sin que se le requiera como contrapartida una descripción específica de los bienes.
Para el GBM, la circunstancia que nuestro sistema de garantía actual sea constitutivo del derecho real, requiera de la inscripción de los documentos contractuales autenticados o por instrumento público y que éstos se encuentren sujetos a calificación registral, actúan como un desincentivo para el uso de estas garantías.
Finalmente observan que el sistema de registro actual cuenta con muy pocas funcionalidades modernas, ya que no es electrónico o disponible por internet, tiene un costo “ad valorem” muy alto, no permite a los acreedores de garantías mobiliarias registrar, buscar, o cancelar garantías por internet, y no se permite la recuperación y enajenación de bienes en garantía de manera extrajudicial y expedita.
Todos estos factores en conjunto, así como el alto costo de constitución y formalidades, aunado a un sistema jurídico y registral anticuado y fragmentado junto con la incertidumbre de un rápido recupero en caso de incumplimiento, contribuyen de manera directa a un uso limitado de esta herramienta de crédito.
Propuesta y/o recomendaciones del Grupo Banco Mundial
Para dotar al “registro de garantías mobiliarias” de un sistema moderno y funcional con el objeto de facilitar el acceso al crédito para todos los sectores de la economía, propone que la República Argentina deba promover una reforma legislativa, acompañada de un sistema registral automatizado y un sistema de ejecución ágil y efectivo, lo que ayudaría a que las pequeñas y medianas empresas obtengan el capital que necesitan para su crecimiento y competitividad.
Para ello resultará menester la creación de un registro moderno de conformidad con los estándares internacionales que opere de manera centralizada y electrónica por internet con costos accesibles a todos.
Debería crearse un índice del registro que permita la inscripción y consulta mediante nombre/descripción del deudor, por descripción del bien, o por identificación de la garantía.
Asimismo, -entre tantas- recomienda que las inscripciones sean en base a formularios modelos registrados en un sistema electrónico; que las descripciones de los bienes sean genéricas; que exista un sistema expedito o extrajudicial para recuperar los bienes después del incumplimiento del deudor, limitando las defensas posibles a una ejecución.
Por último, recomienda la eliminación de la multiplicidad de registros sobre los cuales se inscriben las garantías mobiliarias y limitando al registrador, en cuanto a sus facultades de calificación registral.
Críticas formuladas al diagnóstico del GBM
Compartimos poco o nada del diagnóstico que sobre el instituto de las garantías mobiliarias intenta imponer el GBM junto con un sinnúmero de organismos internacionales que, bajo el paraguas de prácticas y estándares internacionales, intenta imponer un enlatado que solo puede servir en aquellos países que carecen de un sistema registral idóneo como el nuestro.
En efecto, luego de un análisis minucioso del diagnóstico formulado por el GBM, podemos inferir de su lectura que más que la creación de un Registro de garantías, encubre solo la creación de un Registro de Deudores (“Creación de un folio electrónico ordenado por el nombre del deudor garante”).
Se persigue la creación de un Registro Único Centralizado, que se pueda operar on-line, cuyo servidor opere a escala global en cualquier región del mundo, donde se prescinda de la figura del registrador vetándole toda capacidad de calificación en el acto registral, y desterrando uno de los principios vectores de las garantías mobiliarias, esto es el principio de especialidad.
Con el pretexto de bajar costos, se prescinde de la identificación precisa del bien prendado transformándolo en una descripción “genérica”.
No resulta óbice para la inscripción del derecho real de garantía, que el acto jurídico que lo posibilita, adolezca de vicios sea cual fuere (del consentimiento, de la voluntad), o que carezca de las formas que la ley impone para su celebración. Basta con que se identifique el deudor, el acreedor y una identificación más o menos genérica/especifica del bien mueble objeto de la garantía.
Se pasa por alto el uso habitual en los registros de garantías como es la ampliación, sustitución, trueque total o parcial de bienes específicos de la garantía mobiliaria. El hecho de que ello haya transcurrido de manera pacífica da cuenta la ausencia de jurisprudencia negativa. ¿Qué ocurriría de abandonarse el principio de especialidad?
¿Qué tribunales intervendrían con un sistema que adopte un registro transnacional?
El sistema pretendido por el GBM, de corte netamente funcional, da por tierra un sistema registral que, con algunos altibajos y amén de la coyuntura política económica del país, sigue en pie desde su piedra fundacional; esto es, desde la sanción de Ley de Prenda Agraria (Ley 9.644/1914), base sobre la cual se desarrolló, años después, la
Ley de Prenda con Registro (Ley 12.962).
En efecto nuestra nación cuenta con una prolífera historia en la materia ya que la ley patria, arriba citada, contribuyó en su momento a generar una herramienta especial más allá de lo que habían establecido los anteriores códigos de fondo para la prenda civil y comercial. En ese momento significó la posibilidad de financiación propia de la explotación agropecuaria que, en la naturaleza económica de la República Argentina, equivalía a crear las fuentes económicas para posibilitar las cosechas y exportaciones de productos generados en el campo.
El impacto que habrá de generarse, de hacer lugar a las pretensiones del GBM, no solo abarcará en cuanto a sus efectos al estado central, sino también a los estados provinciales e incluso comunales. A pesar de ser tildada de poco moderna, la ley vigente ha sido tan sabia que ha permitido mutar desde los objetos especificados a los intangibles, las industrias locales y provinciales, como las explotaciones mineras, en especial, se han acomodado al régimen actual.
Cierto es que, con los avances en materia tecnológica, mucho de sus postulados han quedado obsoletos. Pero con el financiamiento y medios informáticos adecuados, nuestra nación cuenta con material humano de excelencia que podrá desarrollar un sistema sustentable compatible con los denominados estándares internacionales, sin necesidad de reemplazar nuestro sistema autóctono de garantías mobiliarias por uno foráneo, que carece de raigambre nacional y poco conoce de nuestras prácticas y costumbres jurídicas registrales.
Si bien es cierto que es necesario desarrollar plataformas informáticas que posibiliten la integración de la información proveniente de cada uno de los registros de garantías comprendiendo la totalidad de los mismos que asegure el conocimiento integral de deudores y acreedores, de fácil acceso; todo esto es posible con los sistemas ya creados y en funcionamiento, ya que han demostrado su correcto funcionamiento y constituyen una gran fuente de financiamiento para el Estado Nacional.
Prueba acabada de ello es nuestro Registro de la Propiedad del Automotor, que funciona de manera exitosa desde hace algo más de cuarenta años brindando certeza y seguridad jurídica a la comunidad toda, ajustándose a los cambios que en materia informática se vienen llevando a cabo, y sin perder por ello, en lo más mínimo, su calidad y eficacia en la prestación del servicio.
En definitiva, no comulgamos con el diagnóstico que en la especie ha desarrollado el Grupo Banco Mundial, por encontrarlo en ciertos párrafos mendaz, y que bajo el paraguas de un registro moderno solo propugna, como postulado, la supremacía de una eventual seguridad económica por sobre los postulados de la verdadera seguridad jurídica.
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