| Summary: | En la medida que la oferta crediticia orientada a las Micro y Pequeñas Empresas (MYPES) en este país sea limitada, por el mayor riesgo crediticio que presenta este sector, donde la tasa de interés que se cobran son superiores al promedio de mercado, lo que impide su crecimiento y desarrollo; se hace necesario dinamizar nuevas alternativas de financiamiento para atender la creciente demanda crediticia. Una alternativa reciente y con éxito en otros países, son los Fondos de Capital Riesgo, que tienden a canalizar los recursos obtenidos por diferentes inversionistas hacia empresas con grandes potenciales de crecimiento, estos inversionistas están dispuestos asumir un riesgo a cambio de una rentabilidad esperada; para lo cual es necesario que el estado garantice un adecuado marco legal. The credit supply oriented to micro and small enterprises in Perú is very limited. This is because the high risk of these business. As a consequence the interest rates that these institutions pay are really high, that high to limit their potential to grow and develop. For that reason it’s necessary to promote new innovative financing alternatives to satisfy the credit demand of this sector. One of the alternatives to achieve this goal, which has proved to be successful in some other countries, is the Venture Capital Funds. These funds take financial resources from investors to enterprises with promising perspectives of growth. The investors are willing to assume the risk in order to gain an expected profitability. To support all this system an appropriate regulatory framework is needed.
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