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Finanzas y gestión financiera:todo lo que familias y empresas deben saber Saltar al contenido Justo cuando parecía que la crisis de 2008 arreciaba y muchos inversores Leer más
Si algo hay incuestionable, es la grave situación medioambiental en la que Leer más
Una de las primeras cosas en las que piensa un emigrante cuando Leer más
Finanzas y gestión financiera: todo lo que las familias y las empresas deben saber para manejar el dinero conociendo todas las posibles opciones Las finanzas y la gestión financiera son ese gran misterio que parece ser desvelado solo a los altos cargos de las empresas . En el terreno público, los políticos parecen ser las únicas personas que captan algo. Para la gente de a pie, son difíciles de entender. En Gestion.org hemos hablado mucho de finanzas, especialmente para empresas. Y en este momento queremos ahondar más en este ámbito para explicártelo con el detalle que merece. Por eso nos detendremos en las finanzas tocando su definición, conceptos relacionados e imprescindibles para comprenderlas y su clasificación . ¿Estás preparado para aprender mucho? ¡Pues empezamos!
¿Qué son las finanzas? Como es costumbre en Gestion.org comenzamos con una definición tomada de la Wikipedia :
Las finanzas son una rama de la economía y la administración que estudia el intercambio de capital entre individuos, empresas, o Estados y con la incertidumbre y el riesgo que estas actividades conllevan. Se dedica al estudio de la obtención de capital para la inversión en bienes productivos y de las decisiones de inversión de los ahorradores.
Tal es la importancia de las finanzas dentro de la economía que actualmente existe un grado universitario dedicado a finanzas y contabilidad. Contabilidad y finanzas son dos ciencias distintas pero generalmente se las ve como asociadas. La razón de esto es que ambas se encargan de registrar y resumir las operaciones monetarias de los negocios. El Grado Universitario de Finanzas y Contabilidad , ya mencionado, cuenta asignaturas obviamente relacionadas con la contabilidad y las finanzas, pero también con la administración de empresas y otras ramas incluidas en la economía. Los graduados en finanzas y contabilidad tiene las siguientes salidas profesionales:
Banca. Entidades aseguradoras. Auditorías externas e internas. Análisis y gestión de inversiones en empresas y agencias de inversión. Consultoría en los ámbitos contable y financiero. Dirección y gestión contable y financiera. En realidad, la mayor parte de estos titulados consigue empleos que tienen que ver con las finanzas o con la contabilidad, no suelen ser ambos ámbitos a la vez.
Conceptos importantes para entender las finanzas Si te pones a estudiar finanzas verás que la cosa puede complicarse bastante. Como queremos empezar por el principio y afianzar conceptos, te mostramos los más importantes para la comprensión de las finanzas.
1. Valor tiempo del dinero Imagina que puedes disponer de una determinada cantidad de dinero para invertir y ese dinero te lo tienen que pagar. El concepto del valor tiempo del dinero consiste en que es preferible recibir un pago hoy en lugar de en una fecha futura. Si hoy recibes dinero y lo inviertes, producirá intereses desde ya. Pero si lo recibes más tarde perderá poder de compra por el efecto de la inflación.
2. Prima de riesgo La prima de riesgo es la diferencia entre la rentabilidad de una inversión y el tipo de interés de los valores que se consideran seguros. VIDEO Los inversores siempre se mueven de la misma manera: actúan en los mercados tratando de conseguir el máximo rendimiento posible para su dinero y al mismo tiempo tratan de que esa inversión tenga el menor riesgo posible. Es evidente que a mayor rentabilidad habrá mayor riesgo, los inversores tienen que sopesar eso y este es uno de los datos que nos ofrece el mercado de capitales. Visto esto, está claro para qué sirve el dato de la prima de riesgo, del que tanto se oyó hablar hace un tiempo en los informativos.
3. Tipo de interés El tipo de interés se define como la cantidad que se paga en una unidad de tiempo por unidad de capital invertido. Los tipos de interés afectan a las inversiones, el comercio y el consumo. Esto es así porque muchas de las compras que hacemos todos los días se pagan con tarjetas de débito o crédito. Asimismo, los comercios tienen que comprar los productos que van a verdernos y generalmente lo hacen a crédito. Respecto a las inversiones, estas se sostienen con emisión de deuda mediante bonos o préstamos bancarios. Todo este entramado funciona de la siguiente forma: cuando sube la tasa de interés disminuyen el consumo y la inversión porque es más difícil pagar. Si la tasa de interés baja, el consumo y la inversión se incentivan. Es muy importante entender esto porque es lo que utilizan las personas dedicadas a las políticas macroeconómicas. Los encargados de las políticas macroeconómicas son los bancos centrales de los países. Ellos inducen un aumento de la tasa de interés para disminuir la inflación. La herramienta que utilizan para mover la inflación se denomina tasa de descuento, que no es más que la tasa de interés a la que los bancos prestan el dinero.
4. Inflación Vamos con un concepto que, por suerte o por desgracia, acompaña a todas partes. La inflación consiste en un aumento continuo de los precios, lo que lleva consigo la pérdida del valor del dinero para poder adquirir los productos y servicios que necesitamos. No hay nada que influya más en la economía de un país que la inflación, ya que esta determina el costo de la vida. También tiene relación con los tipos de interés debido a que la inflación hace disminuir el valor del dinero. Entonces, a mayor inflación, mayor es el tipo de interés necesario.
5. Coste de oportunidad Eres un inversor, te interesan dos opciones y decides invertir todo el dinero que pensabas en una de las opciones. El coste de oportunidad es aquello a lo que renuncias por el hecho de haber desechado una de las posibilidades que estabas sopesando. En el mundo de las finanzas también lo entendemos como aquello que se pierde al renunciar a un consumo o a una inversión para emplear los recursos en otro proyecto. En Gestion.org ya dedicamos un artículo entero al coste de oportunidad. Si quieres leerlo, haz clic aquí .
6. Ley de la oferta y la demanda Seguramente has oído hablar de la oferta y la demanda desde pequeño. Lo que dice es que si mucha gente quiere comprar algo, si hay muy poca cantidad de ese algo su precio aumenta. Cuando hay mucha cantidad de lo que se quiere comprar, entonces el precio disminuye. Bien, pues la ley de la oferta y la demanda en finanzas tiene como producto a comprar el propio dinero. Al igual que en un mercado de la calle se venden alimentos, también existen mercados financieros cuya mercancía es el dinero. El dinero líquido es imprescindible para realizar inversiones, por tanto el mercado financiero tiene su propia oferta, demanda, costos y precios.
Clasificación de las finanzas El mundo de las finanzas es muy amplio, por existen diferentes tipos que mostramos a continuación.
1. Finanzas públicas Se trata de una rama de la economia que estudia las consecuencias de los diferentes tipos de inversiones, impuestos y de los gastos que producen los empleados públicos y privados. En las finanzas públicas se tocan los siguientes aspectos, entre otros:
Todo de acuerdo a estimación de necesidades futuras y disponibilidad actual de fondos. También se encargan de analizar las provisiones necesarias de las empresas . Estas necesitan continuamente capital para corto, medio y largo plazo. Las inversiones a corto plazo son para necesidades inmediatas. Cuando son a medio plaazo tienen que ver con cambios en la empresa, préstamos temporales, etc. Las inversiones a largo plazo se usan para comprar los activos fijos de la empresa. Dentro de las finanzas públicas hay diferentes ramas:
Presupuesto : se utiliza para determinar los gastos de un gobierno y suele hacerse anualmente.Deuda pública : no es más que la deuda de los países. Se produce cuasndo el gasto de un gobierno es mayor que los ingresos.Gasto público : son las salidas de dinero de los gobiernos.Ingresos públicos : son los que obtienen los gobiernos mediante impuestos y otras fuentes no tributarias, como multas y honorarios. VIDEO
2. Finanzas corporativas Las finanzas corporativas son las relativas a las decisiones financieras que toman las empresas y a los instrumentos de análisis utilizados para la toma de decisiones.
Dentro de las finanzas de la empresa tenemos las decisiones de inversión de capital (largo plazo) y las gestión del capital (corto plazo). Las técnicas financieras utilizadas en las empresas son las siguientes:
Gestión del fondo de maniobra : esta gestión se basa sobre todo en la diferencia de tiempo entre el pago en efectivo de las materias primas y los cobros de las ventas. Es lo que se denomina ciclo de explotación neto. Otra medida es el ciclo de explotación bruto, que se diferencia del neto en que no se tiene en cuenta el periodo de aplazamiento de los acreedores.Apalancamiento financiero : es la relación entre el capital propio y el utilizado en una operación financiera . Consiste en utilizar algún modo de aumentar la cantidad de dinero a destinar en una inversión.Gestión del riesgo financiero : riesgo financiero es aquel referido al flujo de caja, ya que puede no ser suficiente para hacer frente a sus operaciones financieras.Decisiones de inversión : se toman a largo plazo y están relacionadas con activos fijos y la estructura del capital. Siempre que tengas un negocio tienes que tener un cierto conocimiento de finanzas. Con la ingente cantidad de personas que se están convirtiendo en profesionales freelance, merece la pena dar unas pautas para ellos.
3. Finanzas para emprendedores Este es uno de los temas más aburridos para cualquier freelance , pero es necesario por el bien del negocio. Por ello te damos varios consejos que te vendrán genial.
Separa las finanzas personales de las profesionales y ponte un sueldo : si tienes todos los ingresos mezclados te costará más saber qué beneficios estás generando. Ponerse un sueldo es también fundamental. Si no lo haces puede que estés perdiendo dinero sin darte cuenta.Revisa cada mes las entradas y salidas de dinero : de esta forma podrás detectar los posibles errores en pagos y cobros. VIDEO
4. Finanzas personales En el apartado anterior ya adelantamos la importancia de las finanzas personales . Se trata de la gestión financiera que requiere una persona o familia para administrar sus recursos económicos, teniendo en cuenta los riesgos y los aconcimientos futuros. En las finanzas personales entran en juego los productos financieros, las inversiones de capital privado, los seguros, los planes de jubilación, la gestión correcta de la declaración de la renta anual y las prestaciones de la seguridad social. Algunos de los productos bancarios que emplean las unidades familiares son:
Cuentas corrientes. Cuentas de ahorro. Créditos al consumo. Tarjetas de crédito. Inversiones de capital privado tenemos:
Bonos. Fundos en mutualidades. Mercados de valores. Los seguros más contratados por las familias son de salud y de vida. VIDEO
5. Finanzas internacionales Las finanzas internacionales son la rama de las finanzas dedicada a las relaciones monetarias y macroeconómicas entre dos o más países . También se llama a esta rama economía monetaria internacional. Las finanzas internacionales analizan lo siguiente:
Sistema financiero global. Sistema monetario internacional. Balanza de pagos. Tipo de cambio. Inversión extranjera directa. Y además cómo estos 5 aspectos se relacionan con el comercio internacional . La diferencia entre comercio exterior y finanzas internacionales es que lo primero se centra en aspectos microeconómicos y lo segundo se centra en aspectos macroeconómicos. Por otra parte, las finanzas internacionales están compuestas de 4 subsistemas :
Bancario. Bursátil. Mercantil. Hacienda pública. Otra tarea de las finanzas internacionales es la gestión financiera . Dicha gestión consiste en evaluar y dar respuesta ante los riesgos internacionales, como son el riesgo político, riesgo cambiario, exposición económica, exposición por traducción y exposición por transacción. VIDEO
Finanzas inclusivas Por lo explicado hasta ahora, parece que el mundo de las finanzas sea algo exclusivo de los lugares donde se mueve bastante dinero. Pero eso no es así, ya que siempre que hay algo de dinero hay finanzas. Las finanzas inclusivas son aquellos productos y servicios financieros accesibles para personas con ingresos bajos . Estos productos y servicios son especiales porque las personas con pocos ingresos no pueden acceder a los productos financieros tradicionales. En cambio, los productos financieros inclusivos permiten que las personas en situación más precaria puedan financiar sus actividades, ahorrar y hacer frente a los riesgos. Los productos y servicios propios de las finanzas inclusivas son:
Microcréditos. Transferencias de dinero. Microseguros. Micropensiones. Productos de ahorro. Las entidades dedicadas a las finanzas inclusivas son:
Cooperativas .Proveedores de microseguros. Instituciones microfinancieras Bancos. El producto más conocido de las finanzas inclusivas son los microcréditos . Es el préstamo de una cantidad pequeña con la finalidad de que su receptor pueda generar una actividad que le aporte ingresos. Los negocios creados con el apoyo de microcréditos reciben el nombre de microempresas, las cuales ayudan a sus dueños a mejorar su vida. Las finanzas inclusivas existen para luchar contra la pobreza, por ello es necesario que las instituciones financieras que ofrecen este tipo de productos tengan un enfoque responsable y social . Uno de los aspectos más difíciles de gestionar en las finanzas inclusivas es el hecho de concederse a personas que no pueden ofrecer garantías de pago. Esto hace tiempo que ha podido solventarse aunque, por otra parte, hay mucho que avanzar en este campo. Siempre es un reto que una entidad financiera trate de favorecer a los necesitados sin que pueda peligrar su viabilidad. VIDEO
¿En qué consiste nuestra categoría de finanzas en Gestion.org? Como ves, hay mucho que hablar sobre finanzas. De hecho hay libros enormes escritos. En Gestion.org nos hemos centrado sobre todo en las finanzas corporativas, aunque también tenemos algunos contenido que se salen de este nicho. Básicamente, nuestro contenido de finanzas está dividido en 3 subcategorías:
Mercados financieros. Auditoría financiera. Instrumentos financieros. Te los explicamos a continuación.
1. Mercados financieros Los mercados financieros son los mecanismos que sirven para intercambiar activos financieros entre agente económicos . También son el lugar donde se fija el precio de estos activos. Aunque hablemos de lugares, no hay que confundirlo en este contexto ya que un mercado financiero no es un lugar físico. Existen 5 tipos de mercados financieros:
Mercado de capitales de renta variable : esto son las acciones, lo que la gente conoce como invertir en bolsa .Mercado de capitales de renta fija : se trata de los bonos , que son préstamos que se le hacen al emisor desde 1 año hasta 30 años.Mercado de divisas : es el mercado mundial de divisas, más conocido como Fórex.Mercado monetario : es el mercado del dinero, donde se compran y venden grandes cantidades de dinero. Está enfocado a empresas grandes y al corto plazo.Mercado de derivados financieros : se trata de los futuros y opciones. Invertir aquí puede permitir obtener rentabilidad aunque baje el valor de las acciones en el futuro. No obstante, este mercado presenta mucho riesgo de pérdidas. Como todos los mercados, el financiero también se rige por la oferta y la demanda. Cuando alguien quiere uno de los productos que hemos descrito a un precio concreto, solo lo podrá comprar si hay alguien que se lo quiere vender a ese precio.
2. Auditoría financiera Una auditoría financiera o contable no es más que el examen de la información presente en los estados de cuentas de las empresas. Las auditorías pueden ser internas, opción que suele ser bastante habitual. Asimismo es también habitual que la Administración pública audite las empresas. En este segundo caso hablamos de auditoría externa. Un caso donde están presentes auditores externos son los concursos de acreedores . También puede sucedes, aunque es más extraordinario, que las compañías sean auditadas por otras especializadas en ello, o bien por organismos públicos supranacionales, que son aquellos que se encuentran por encima de los Estados. Te mostramos a continuación un vídeo con un ejemplo de auditoría financiera . VIDEO
3. Instrumentos financieros Los instrumentos financieros no son más que los productos y servicios que se ofrecen en el mecado financiero. Estos instrumentos sirven para crear un vínculo entre empresas, personas y entidades financieras. Este vínculo es de dependencia y los ejemplos son muy claros. Las personas y las empresas abrimos cuentas en los bancos porque lo necesitamos y, a su vez, los bancos necesitan que hagamos uso de sus productos para sostenerse. En este caso el instrumento financiero que todos conocemos y utilizamos son las cuentas de ahorro. Existen 3 tipos de instrumentos financieros:
Instrumentos de deuda : son aquellos que permiten al emisor recaudar fondos en un plazo acordado. Los instrumentos de deuda pueden ser a corto plazo o a largo plazo. A corto plazo funcionan las tarjetas de crédito y algunos préstamos personales cuyo reembolso debe hacerse en menos de 1 año. A largo plazo son, por ejemplo, las hipotecas.Instrumentos de inversión : estos instrumentos pueden ser de renta variable o de renta fija. Los de renta variable son las acciones y los depósitos son un ejemplo de instrumentos de renta fija.Instrumentos de ahorro : algunos de estos instrumentos son bastante conservadores y todo el mundo los conoce, como son las cuentas de ahorro. Otro ejemplo de este tipo de instrumento son los planes de pensiones. Una cuenta de ahorro y cualquier otro instrumento financiero genera beneficios tanto para los bancos como para las personas o empresas.
¿Quieres profundizar más en el mundo de las finanzas? Aquí tienes el top 5 de los artículos de nuestra categoría de gestión financiera ¿En qué consiste el leasing? Descubre sus ventajas fiscales y por qué puede interesar más que un préstamo bancario