{"id":4714,"date":"2020-11-09T12:21:29","date_gmt":"2020-11-09T12:21:29","guid":{"rendered":"https:\/\/www.top5credits.com\/es\/?p=4714"},"modified":"2022-12-16T14:18:53","modified_gmt":"2022-12-16T14:18:53","slug":"libor","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/es\/glosario\/libor\/","title":{"rendered":"Libor"},"content":{"rendered":"\n<p>El <strong>LIBOR <\/strong>o<strong> London InterBank Offered Rate<\/strong> es una tasa de referencia basado en el tipo de inter\u00e9s que los bancos del Reino Unido ofrecen fondos no asegurados a otros bancos a nivel interbancario. Esta tasa se usa para determinar el inter\u00e9s de gran variedad de productos financieros.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo se calcula el LIBOR?<\/h2>\n\n\n\n<p>El <strong>LIBOR <\/strong>se calcula diariamente por la <a href=\"https:\/\/es.wikipedia.org\/wiki\/Asociaci%C3%B3n_de_Banqueros_Brit%C3%A1nicos\"><strong>Asociaci\u00f3n de Banqueros Brit\u00e1nicos<\/strong><\/a> sobre las 11:45 de la ma\u00f1ana de la hora brit\u00e1nica (Justo a la hora GMT o Hora Media de Greenwich).<\/p>\n\n\n\n<p>Esta lista de bancos est\u00e1 conformada por <strong>16 entidades bancarias diferentes<\/strong>, y como hemos indicado anteriormente, la relevancia de la <strong>Bolsa de Reino Unido<\/strong> y el papel de<em> la City<\/em> en la econom\u00eda mundial es tan relevante que \u00e9ste \u00edndice afecta a tasas de inter\u00e9s y econom\u00edas extranjeras.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfPara qu\u00e9 se usa el LIBOR?<\/h2>\n\n\n\n<p>EL <strong>LIBOR<\/strong> se usa como referencia para todo tipo de productos y operaciones, tanto dentro de las fronteras de Reino Unido, como fuera. Estos son algunos ejemplos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Forward rate agreements, <\/strong>o acuerdo sobre tipos de inter\u00e9s futuros.<\/li>\n\n\n\n<li><strong>Swaps <\/strong>de <strong>tasas de inter\u00e9s<\/strong> y de <strong>inflaci\u00f3n<\/strong>.<\/li>\n\n\n\n<li><strong>Bonos, <\/strong>llamados<strong> de Tasa Flotante <\/strong>cuando dependen de \u00edndices como el <strong>LIBOR.<\/strong><\/li>\n\n\n\n<li><strong>Cr\u00e9ditos sindicados<\/strong>, pr\u00e9stamos que las empresas solicitan a m\u00e1s de un banco.<\/li>\n\n\n\n<li><strong>Hipotecas de tasa variable<\/strong>, especialmente en Reino Unido y Estados Unidos.<\/li>\n\n\n\n<li><strong>Monedas extranjeras, <\/strong>especialmente la libra esterlina y el d\u00f3lar americano, pero tambi\u00e9n afecta a monedas como el Euro, el Yen japon\u00e9s o el Franco suizo.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/11\/que-es-el-libor-1024x579.jpg?cdn=1.1.1\" alt=\"\" class=\"wp-image-4719\" width=\"674\" height=\"381\" srcset=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/11\/que-es-el-libor-1024x579.jpg?cdn=1.1.1 1024w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/11\/que-es-el-libor-300x170.jpg?cdn=1.1.1 300w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/11\/que-es-el-libor-768x435.jpg?cdn=1.1.1 768w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/11\/que-es-el-libor.jpg?cdn=1.1.1 1361w\" sizes=\"auto, (max-width: 674px) 100vw, 674px\" \/><figcaption class=\"wp-element-caption\">Aunque el Libor es calculado por bancos de Reino Unido, su impacto afecta a productos y monedas a nivel internacional.<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">Fiabilidad del LIBOR<\/h2>\n\n\n\n<p>Generalmente, la tasa LIBOR se considera una tasa fiable y uno de los mayores referentes a nivel internacional.  No obstante, han habido ciertas suspicacias en el pasado, las cuales apuntaban a que ciertas entidades bancarias han estado intentando manipular el \u00edndice.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>En 2008<\/strong>, coincidiendo con la crisis, el<strong> <a href=\"https:\/\/www.wsj.com\/\">Wall Street Journal<\/a><\/strong> apuntaba que los bancos habr\u00edan minimizado las tasas para dar una falsa sensaci\u00f3n de normalidad en la situaci\u00f3n financiera.<\/li>\n\n\n\n<li><strong>En 2011 <\/strong>el mismo diario denunciaba la opacidad de las transmisiones, indicando que estaban pr\u00e1cticamente controladas por 3 bancos.<\/li>\n\n\n\n<li><strong>En 2012<\/strong> el <a href=\"https:\/\/es.wikipedia.org\/wiki\/Financial_Times\"><strong>Financial Times<\/strong><\/a> volv\u00eda a acusar al LIBOR de estar manipulado desde los a\u00f1os noventa.<\/li>\n\n\n\n<li>A finales del mismo a\u00f1o, <strong>Barclays <\/strong>es multada por sus intentos de manipulaci\u00f3n de la tasa LIBOR.<\/li>\n<\/ul>\n\n\n\n<p>Este c\u00famulo de acusaciones hace pues que mucha gente desconf\u00ede del LIBOR. No obstante, este \u00edndice no suele afectar demasiado a la econom\u00eda espa\u00f1ola, por lo que tampoco deber\u00edamos preocuparnos en exceso. No obstante, si en alg\u00fan momento se te oferta un producto bajo este \u00edndice, est\u00e1s en tu derecho de desconfiar del mismo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">M\u00e1s Informaci\u00f3n<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.top5credits.com\/es\/glosario\/euribor\/\"><strong>Eur\u00edbor<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.top5credits.com\/es\/glosario\/interes\/\"><strong>Inter\u00e9s<\/strong><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>El LIBOR es el \u00edndice de referencia de la tasa de inter\u00e9s de los bancos de Reino Unido.<\/p>\n","protected":false},"author":13,"featured_media":4718,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-glossary.php","format":"standard","meta":{"footnotes":""},"categories":[125],"tags":[],"class_list":["post-4714","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-glosario","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 es el Libor? 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