Diapositiva 1

Profesor: Luis NavarroIntegrantes Ramrez Cayllahua, Emilyn

Ao Lectivo: 20141Productos Bancarios y Financieros

1 Operaciones Activas

2 Crditos hipotecarios3 Crditos personales4 Crditos a microempresas5 Tarjeta de crdito22Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Operaciones Activas.Negocios mediante los cules se prestan recursos financieros (dinero) para facilitar apoyo financiero a los clientes de una entidad financiera previa evaluacin y requiriendo, en ciertos casos, garantas como respaldo a la operacin.

En estos negocios se cobran intereses que toman el nombre de intereses activos. 33Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Segn finalidad del crdito

1. Sin finalidad de negocio Crdito de consumo (revolvente y no revolvente) Crdito hipotecario para vivienda

2. Con finalidad de negocio Crditos corporativos Crditos para grandes empresas Crditos para medianas empresas Crditos para pequeas empresas Crditos para microempresas (MES)

Operaciones Activas(o de Colocacin)Personas naturales o jurdicas4Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Por tipo de producto (ejemplos) Hipotecario Prstamos Tarjeta de Crdito Descuentos Leasing Factoring

Operaciones Activas(o de Colocacin)

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Crditos hipotecarios.Crditos destinados a personas naturales para la adquisicin, construccin, refaccin, remodelacin, ampliacin, mejoramiento y subdivisin de vivienda propia

Son aquellos prstamos que adems de contener como garanta una hipoteca, estn orientados nica y exclusivamente a satisfacer necesidades personales de vivienda.

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Crditos personales.Prstamos destinados a satisfacer eventuales necesidades de dinero y/o financiamientos para la adquisicin de bienes y/o servicios que no tengan ninguna relacin con actividades empresariales. Permite obtener dinero para usarlo en lo que ms se necesite: unas buenas vacaciones con la familia, compra de una computadora, el pago de matrculas, para solucionar problemas de salud, salir de cualquier apuro, etc.

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Crditos a microempresas.Crditos en efectivo o mediante respaldo, otorgados a Persona Natural o Persona Jurdica, para el financiamiento de actividades de produccin, comercio o prestacin de servicios.Para ser considerado crdito a microempresa la persona debe tener un endeudamiento en el sistema financiero que no exceda de S/. 20 000 o su equivalente en moneda extranjera (sin incluir crditos hipotecarios), el mismo que deber corresponder a la ltima informacin crediticia emitida por la Superintendencia en el momento de otorgarse el crdito.

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Tarjeta de crdito.Contrato por el cual una empresa bancaria o una persona jurdica autorizada, concede una apertura de crdito, de tipo rotatorio o revolvente, por una suma determinada, a favor de su cliente que puede ser una persona natural o jurdica.El uso de la tarjeta permite realizar compras o pagos como si se tratara de efectivo en las empresas o establecimientos afiliados, stos sern cancelados al contado o a cierto plazo.

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Giros. DescripcinPermite efectuar transferencias o envos de dinero a una persona determinada entre diferentes plazas del Intermediario financiero a nivel nacional o internacional.

BeneficiosEnvo de dinero disponible en lnea y en forma segura a cualquier persona natural o jurdica por medio de oficinas en el mbito nacional sucursales o corresponsales en el extranjero .1212Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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En resumen:Un buen historial crediticio te permite acceder a crditos como la hipoteca para una casa o un departamento, un prstamo para la compra de un auto, tambin puedes obtener mejores condiciones en las tasas de inters en tarjetas de crdito, conseguir un empleo, entre otros.14Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

14Operaciones Pasivas1 Depsitos de ahorro2 Depsitos a plazo3 Depsitos CTS4 Depsitos en cuenta corriente5 Fondo de Seguro de Depsito1515Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Clasificacin- Depsitos de ahorros- Cuentas corrientes- Depsitos a plazo- Depsitos CTS- Hipotecarios- Personales- Microempresas- Tarjeta de Crdito - Aval bancario- Carta fianza- Crdito documentario

- Compra y venta de divisas- Intermediario de cobros- Intermediario de pagos - Custodia de valores- Caja de seguridad- Cheques de gerencia Certificacin de cheques Cartas de presentacin etc.PasivasActivasContingentesPor Cuenta de Terceros o ServiciosFundamentales o TpicasComplementarias o Accesorias16Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Operaciones Pasivas.Es el dinero que una institucin financiera recibe del pblico, generalmente a travs de las diferentes modalidades de depsito, y que luego podr prestar a travs de las diversas formas de crdito.1717Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Depositantes

AhorrosCuenta CorrientePlazo FijoC.T.S. Operaciones Pasivas(o de Captacin)

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Depsitos de ahorro.

Es un depsito efectuado en una institucin financiera por un plazo indefinido. Los fondos depositados pueden ser incrementados con aportes parciales y tambin pueden ser retirados parcialmente por el cliente sin necesidad de un aviso previo. 1919Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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Depsitos a plazo.

Es aquel depsito efectuado en una institucin financiera, por un monto, plazo y tasa de inters convenido. Son cuentas que le pagan un mayor inters a los ahorristas a cambio de que el dinero que se deposita permanezca por un periodo determinado sin ser retirado.2121Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

DEPOSITOVALORPRESENTEVALORFINALTIEMPODEPOSITOINTERESTasa de inters %2222Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Depsitos CTS.

Es un depsito a plazo que tiene como propsito fundamental prever el riesgo que origina el cese de una relacin laboral y la consecuente prdida de ingresos en la vida de una persona y su familia. 2323Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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Depsitos en cuenta corriente.

Es un depsito realizado en un banco, a nombre de una o ms personas, que permite a los titulares de la cuenta retirar el dinero mediante el giro de cheques con cargo a los fondos depositados en la misma y hacer depsitos parciales en dicha cuenta.

El banco tiene la obligacin de hacer efectivo los cheques, de acuerdo a su forma de emisin, a la sola presentacin del mismo, a menos de que la cuenta no tenga fondos.2525Notas:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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