Solange Bernstein y la reforma de pensiones

Un espectro amplio de diputados y diputadas ha tomado nota de las designaciones en el área económica y financiera, y ha puesto en la agenda la iniciativa del quinto retiro como moneda de cambio ante lo que perciben como una regresión de lo prometido en el programa de gobierno. En un ambiente político líquido y convulso, nadie puede predecir, a ciencia cierta, cómo se resolverá la disputa y el efecto que ello tendrá sobre el plebiscito de salida en septiembre.

Por Edison Ortiz

El mismo día en que el ministro de Hacienda oficializaba el nombre de Solange Bernstein como la nueva presidenta de la Comisión para el Mercado Financiero (CMF), Ignacio Schiappacasse, coautor del bestseller Todo Legal, ponía en su cuenta de tweet lo siguiente: “esta es una mala noticia. Como superintendenta de pensiones 2006-2015 (nombrada por Bachelet y ratificada por Piñera), Bernstein no veló por el interés público de afiliados al sistema de AFP. Su actuación en el caso La Polar fue negligente. Con Carlos Tromben revelamos detalles en Todo legal”

La otra arista del caso La Polar y el rol de Solange Bernstein: o a quién le sacaron el clavo

El día 9 de junio de 2011, se destapó el caso La Polar, fecha en que la empresa de retail reconoció graves irregularidades en la cartera de créditos de sus clientes ante la Superintendencia de Valores y Seguros (SVS). La situación había sido denunciada con anterioridad por un accionista menor, pero el sistema regulatorio del mercado financiero evidenció su completo y absoluto fracaso: la Superintendencia de Valores y Seguros (SVS), la Superintendencia de Pensiones, las clasificadoras de riesgo como sucedió en este caso puntual con la auditora Price Waterhouse Cooper (PWC), no vieron venir el desastre. Además, se puso en escena la verdadera naturaleza del mercado financiero chileno, un negocio triangular donde se confluyen partes interesadas, puertas giratorias –Bernstein es un caso paradigmático-, relaciones familiares y nepotismo de clubes que están en posiciones de poder y que cuentan con información relevante para tomar decisiones. Esa misma realidad se reflejó en la extraña compra de un paquete accionario de La Polar, equivalente a diez millones de dólares, un papel que venía en caída libre, a un accionista que, hasta hoy, no ha sido identificado. Esto es lo que en la jerga de los economistas se llama: ¿a quién le sacaron el clavo?

La historia no oficial de un desfalco

Como se sabe, el escándalo se tornó de dominio público cuando el 25 de mayo de 2011, el Sernac presentó una demanda colectiva contra la empresa del retail en representación de 123 clientes por repactaciones unilaterales de deuda. Días después, la empresa reconoció el ilícito ante la SVS, revelando prácticas no autorizadas en su gestión de crédito.

Antes de revelarse la estafa, en marzo-abril de 2011, a La Polar se le habían aceptado sus estados financieros construidos de manera irregular, pero los entes reguladores no quisieron hacer una investigación meticulosa, ni recogieron los reclamos de algunos accionistas. De haberse actuado con un mínimo de seriedad y profesionalismo tanto por parte de PWC, como de la SVS o la Superintendencia de Pensiones, se habría evitado el desastre y la pérdida de ahorros de pequeños accionistas y de cotizantes. El caso La Polar hizo más notorio aún, en especial a través de la omisión de Solange Bernstein, que los cotizantes y sus ahorros son un apéndice en el juego de la ruleta rusa del modelo de AFP. Al respecto, vale recordar una entrevista dada por Héctor Cárcamo en La Tercera en 2009 en que, a propósito de las rentabilidades negativas del fondo A, responsabilizó a la educación financiera de los cotizantes como la causante de las pérdidas en ese fondo. En aquella misma entrevista, cuando arreciaban las críticas al modelo de AFP por la crisis de 2008 y la creación de la Pensión Básica Solidaria aparecía como alternativa para evitar la quiebra del sistema, indicó “es difícil que pueda haber cambios al sistema de multifondos en este gobierno”.

En junio, el fraude se hizo público, y recién la SVS sacó la voz, rechazó los estados financieros y declaró que los stocks de La Polar no estaban abiertos, por lo tanto, no se podían vender ni comprar acciones. Sin embargo, con ese trasfondo, apenas transcurridos unos días del bombazo (13 de junio) y, cuando las acciones habían caído desde 3.500 a 1.500 pesos, la AFP Capital realizó una operación que en ese escenario no era legal ni se podía permitir. A pesar de la prohibición, de la noche a la mañana y con dinero de terceros, sus cotizantes, la administradora apareció comprando diez millones de dólares en acciones a La Polar, valoradas en apenas el 40% de su costo de la semana anterior a la difusión de la estafa. Se deshicieron del paquete accionario en el transcurso de un mes, mientras su valor siguió cayendo hasta alcanzar los mil pesos para más tarde, hundirse en 20 pesos, y hasta en 14 pesos.

Como se dice en la jerga de los economistas, nunca se supo a quién y con qué información privilegiada, la AFP Capital “le sacó el clavo”, en una administración que era encabezada por Sebastián Piñera, con Bernstein designada por Michelle Bachelet en la Superintendencia, ratificada luego por Piñera.  

Como se sabe, todas las operaciones que hacen las AFP, en especial donde hay montos gigantescos involucrados, se informan a través de una hoja de informe diario que, si presenta irregularidades, genera una solicitud de investigación. En este caso, es significativo recordar que la operación, pese a los montos involucrados, se hizo sin informar ni pedir permiso a nadie.

Bernstein reaccionó con lentitud ante la posibilidad de una investigación y, solo luego del escándalo público una pequeña unidad de la Superintendencia de Pensiones, inició una investigación al respecto, que tras dieciocho meses llegó a determinar que la transacción de acciones en un período en que el ente regulador lo había prohibido, había sido realizada en el marco de una negligencia flagrante del regulador. La recomendación de aquel informe fue que procedía una sanción en contra de Capital,dado que hubo un fraude evidente a los fondos de los afiliados de esa AFP contraviniéndose, además, normas que regulaban el sistema.

Contra todo pronóstico, la superintendenta de pensiones Solange Bernstein no inició ninguna acción legal contra la AFP en cuestión ni la sancionó. La mandamás de la Superintendencia de Pensiones, Solange Bernstein, prefirió mirar para el techo.

Las AFP después de La Polar: continuar “sacando clavos” o habrá reforma de verdad

En la época en que ocurre el fraude de La Polar, el conjunto de las AFP tenía cerca del 24% del control del directorio de La Polar y en su representación, entre otros, estaba René Córtazar. Como se determinó, gran parte de lo que allí pasó fue responsabilidad del directorio de la empresa del retail donde el exministro, ahora como representante de Moneda Asset Management (Habitat) de Inversiones La Construcción (ILC), no veló por los ahorros de sus cotizantes, como tampoco lo hizo la entonces superintendenta de Pensiones Solange Bernstein, recién designada por el gobierno de Gabriel Boric como la nueva presidenta de la Comisión para el Mercado Financiero (CMF). Ante ese dato, cobra sentido la sospecha sobre el verdadero propósito de la designación de Bernstein en la CMF, dado su pasado y la endogamia que permea a nuestro sistema financiero.

Epílogo: ¿reforma de pensiones o quinto retiro?

Con estos antecedentes, el escenario para una reforma de pensiones, como a la que aspira la ciudadanía que votó por Gabriel Boric, se complejiza dado los antecedentes de Solange Bernstein, el historial del subsecretario de previsión social, Cristián Larraín, padre del CAE que, junto a Mario Marcel, son acérrimos defensores del sistema de AFP. Si se suman las palabras de la subsecretaria de Hacienda la semana pasada, Claudia Sanhueza, en torno a “recuperar la legitimidad del sistema” de AFP y se confirma la permanencia de Osvaldo Macías como superintendente de AFP, podría acabar implementándose una política que, lejos de cambiar, refuerce un modelo de pensiones que más bien sirve a quienes controlan el mercado de capitales.

No hay que olvidar que Osvaldo Macías acaba de manifestar que “hay que tomar algunos riesgos para mejorar el funcionamiento de las AFP” (Diario Financiero). Y se ha dado una clara señal en ese sentido con la designación de Francisco Saffie como embajador en la OCDE, otro acérrimo defensor del modelo quien estuvo casado con Elisa Walker, hija de Ignacio y hoy con la hija de Máximo Pacheco, es decir con vínculos muy transversales.

En el programa Stock disponible de Vía X, se entrevistó esta semana a Ignacio Schiappacasse, coautor del texto Todo legal. En dicho espacio, el investigador dio a conocer con ejemplos muy concretos la endogamia que hay entre el mundo financiero –AFP, bancos, retail, corredoras de bolsa, etc.– y las instituciones públicas que, en teoría, deberían regular un mercado que es un oligopolio. Solange Bernstein, recién designada en la CMF, es un ejemplo emblemático de aquello y su trayectoria e historia así lo refrendan. Mientras ello no cambie, independiente del gobierno que elijamos, los de siempre ganarán la partida y el torneo.

La administración actual, que hizo del fin del sistema de pensiones uno de sus principales caballos de batalla en la elección presidencial, además de lo que han dicho sus principales personeros en el área, acaba de señalar que ingresará recién una iniciativa sobre pensiones en el último trimestre.

Un espectro amplio de diputados y diputadas ha tomado nota de las designaciones en el área económica y financiera, y ha puesto en la agenda, como contraparte al ejecutivo, la iniciativa del quinto retiro como moneda de cambio ante lo que perciben como una regresión de lo prometido en el programa de gobierno. Esa será una amenaza permanente al ejecutivo buscando con ello un pronunciamiento que vaya en la línea de lo ofrecido durante en campaña. En un ambiente político líquido y convulso, nadie puede predecir, a ciencia cierta, cómo se resolverá la disputa y el efecto que ello tendrá sobre el plebiscito de salida en septiembre.

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