regulacion y supervision sistema financiero
DESCRIPTION
Tema sobre el sistema financieroTRANSCRIPT
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2.1El Banco Central de Reserva del Per (BCRP)
2.2La Superintendencia de Banca, Seguros y Administradoras Privadas de Fondos de Pensiones (SBS)
2.3La Superintendencia del Mercado de Valores (SMV)
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EL BANCO CENTRAL DE RESERVA DEL PER (BCRP)
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2.1 Banco Central de Reserva del Per (BCRP)
La Constitucin Poltica del Per (1993) establece dos aspectos fundamentales sobre el BCRP:
La autonoma del Banco en el marco de su Ley Orgnica (Ley 26123)
La preservacin la estabilidad monetaria (cuidar que no haya inflacin).
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Cumple las siguientes funciones:
Regular la moneda y el crdito del sistema financiero.
Administrar las reservas internacionales.
Emitir billetes y monedas.
Informar sobre las finanzas nacionales.
Funciones del BCRP
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Es el incremento general y sostenido de los precios de los productos y servicios que se ofertan y demandan en la sociedad, y que hace que el dinero pierda valor.Preguntas:El aumento del precio del pan, significa que hay inflacin?El aumento permanente del precio de los combustibles, significa que hay inflacin?
Qu es la inflacin?
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Por qu la inflacin muy alta es perjudicial?Cuando hay inflacin, el dinero pierde valor, y la misma cantidad de dinero permite adquirir menos bienes y servicios.
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Poltica Monetaria: BCRP controla la inflacin
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Qu pasa si el BCRP prev que suba la inflacin?LA IDEA: POR EJEMPLO RESTRINGIR CONSUMO BCR BANCOS1323
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El BCRP y las Metas de Inflacin
Desde 2002, la poltica monetaria se conduce bajo un esquema de Metas Explcitas de Inflacin.
Es decir, la inflacin de 2012 podra ser 1% 3%. El objetivo es no tener tasas de inflacin fuera de dicho rango.
Por ejemplo para el 2012:
Meta Explcita de Inflacin: 2% 1%
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Las reservas internacionales son las divisas que todo Banco Central (de cada pas) invierte en el exterior y que pueden ser fcilmente convertidos en medios de pago.
Las reservas internacionales representan la disponibilidad de divisas para situaciones extraordinarias del pas.
Administracin de las Reservas Internacionales
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1. El Gobierno quiere financiar un proyecto ferroviario que unir a todas las regiones del pas, por ello, ha solicitado al BCRP financiar parte del proyecto.
Se podra utilizar las Reservas Internaciones Netas - RIN?2. Debido al buen desempeo de la economa peruana en los tres ltimos aos, numerosos inversionistas del exterior traen sus dlares al Per para comprar soles; en este escenario, el tipo de cambio comienza a caer fuertemente.
El BCR podra utilizar las RIN, para salir a comprar dlares al mercado para detener la cada de su precio?
Anlisis de Casos: Qu pasa si?
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El crecimiento sostenido de las Reservas Internacionales PeruanasFuente: Series estadsticas del BCRP.
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A fin de facilitar la fluidez de las transacciones en efectivo que realice el pblico, se debe tener en cuenta: cantidad, calidad y denominaciones de los billetes y monedas. La demanda de billetes y monedas del pblico tiene dos componentes:
Demanda para Transacciones (depende la economa e inflacin).
Demanda para Reposicin (reemplazo de billetes y monedas deteriorados).
Emisin de billetes y monedas: otra funcin del BCRP
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LA SUPERINTENDENCIA DE BANCA, SEGUROS Y ADMINISTRADORAS PRIVADAS DE FONDOS DE PENSIONES (SBS)
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La Superintendencia de Banca, Seguros y AFP es el organismo encargado de la regulacin y supervisin de los Sistemas Financiero, Privado de Pensiones y de Seguros.
Misin:Proteger los intereses del pblico, cautelando la estabilidad, la solvencia y la transparencia de los sistemas supervisados, as como fomentar una mayor inclusin financiera y contribuir con el sistema de prevencin y deteccin del lavado de activos y del financiamiento del terrorismo.2.2 Superintendencia de Banca, Seguros y AFP (SBS)
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2.2 Superintendencia de Banca, Seguros y AFP (SBS)MERCADO FINANCIERO Desde el punto de vista de la intermediacinSupervisor: SBSSupervisor: SMV
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Empresas del Sistema Financiero.
Empresas del Sistema de Seguros.
Administradoras Privadas de Fondos de Pensiones.
Prevencin del Lavado de Activos y Financiamiento del Terrorismo.
Qu regula y supervisa la SBS?
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La SBS supervisa permanentemente a las IFIs, con el objeto proteger los intereses de los ahorristas. La IFI debe evaluar correctamente a los clientes a los cuales otorgar prstamos, de lo contrario pondra en riesgo el dinero de los ahorristas.A travs de la Superintendencia Adjunta de Banca y Microfinanzas, la SBS supervisa:
Empresas bancarias Empresas financieras Cajas municipales Cajas ruralesEntidades de Desarrollo a la Pequea y Micro Empresa - Edpymes Empresas de transferencia de fondos
Empresas del Sistema Financiero
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La SBS tambin se encarga de la supervisin y regulacin de las empresas de seguros con el objetivo de defender los intereses de los asegurados. Controla que las empresas de seguros inviertan adecuadamente las primas de seguros que pagan los asegurados debido a que dichas inversiones sern utilizadas para pagar las indemnizaciones por los siniestros que ocurran.
Empresas del Sistema de Seguros
Algunas entidades supervisadas
Empresas de seguros Asociaciones de fondos regionales o provinciales contra accidentes de trnsito (AFOCAT) Derramas
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Empresas del Sistema Previsional (AFP)
Asimismo, la SBS regula y supervisa a las empresas que administran los fondos privados de pensiones; dichos fondos se forman de los aportes que cada trabajador realiza a su cuenta individual con el fin de usarlo cuando se jubile.
Empresas Administradoras Privadas de Fondos de Pensiones:
Profuturo Integra Horizonte Prima
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La SBS, a travs de la Unidad de Inteligencia Financiera, se encarga de recibir, analizar y transmitir informacin para la deteccin y prevencin del lavado de activos y/o financiamiento del terrorismo en el Per. Coordina con el Ministerio Pblico.
Colabora con las empresas del sistema financiero, entre otros, con la implementacin de los sistemas para detectar operaciones sospechosas de lavado de activos (dinero) y financiamiento del terrorismo.Informacin adicional:
Portal de Prevencin del Lavado de Activos (Web SBS)Prevencin del Lavado de Activos y Financiamiento del Terrorismo
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LA SUPERINTENDENCIA DE MERCADO DE VALORES (SMV)
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Vela por la proteccin de los inversionistas, mediante la transparencia y difusin de informacin de las empresas que participan en el mercado de capitales.
2.3 Superintendencia del Mercado de Valores (SMV)
Tiene asignadas tres competencias especficas en el mercado de valores:
1.Regulacin2. Supervisin y control3. Difusin y promocin del mercado
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2.3 Superintendencia del Mercado de Valores (SMV)
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Los principales participantes del mercado de valores son :1. Los Emisores (empresas)2. Los Inversionistas3. Bolsa de Valores de Lima3. Sociedades de agentes de bolsa4. Superintendencia del Mercado de Valores
Principales participantes del Mercado de Valores
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Prximos temas
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GRACIAS
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