{"id":12169,"date":"2018-09-10T11:27:15","date_gmt":"2018-09-10T11:27:15","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=12169\/"},"modified":"2018-09-11T10:37:40","modified_gmt":"2018-09-11T10:37:40","slug":"regulacion-supervision-las-cooperativas-ahorro-credito","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/regulacion-supervision-las-cooperativas-ahorro-credito\/","title":{"rendered":"Regulaci\u00f3n y supervisi\u00f3n de las Cooperativas de Ahorro y Cr\u00e9dito"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/12169?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"Ver PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/12169?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Imprimir contenido\" \/><\/a><\/div><p><span style=\"font-weight: 400;\">El pasado 19 de julio de 2018, se public\u00f3 la Ley N\u00b0 30822, mediante la cual se modifica la Ley 26702, Ley General del Sistema Financiero y del Sistema de Seguros y Org\u00e1nica de la<\/span> <span style=\"font-weight: 400;\">Superintendencia de Banca, Seguros y AFP<\/span><span style=\"font-weight: 400;\"> (SBS) y otras normas concordantes. La reciente norma, que entrar\u00e1 en vigor el 1 de enero de 2019, establece el marco jur\u00eddico de las Cooperativas de Ahorro y Cr\u00e9dito (COOPAC), facultando a la SBS para ejercer supervisi\u00f3n sobre las mismas.<br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tal y como coment\u00f3 la Superintendente Socorro Heysen en la entrevista realizada en el<\/span><a href=\"http:\/\/progresomicrofinanzas.org\/maria-del-socorro-heysen-zegarra\/\"> <span style=\"font-weight: 400;\">n\u00famero 12<\/span><\/a><span style=\"font-weight: 400;\"> de Progreso, la norma tiene como fin el fortalecimiento del Sistema Cooperativo, as\u00ed como ofrecer mayor seguridad para el socio, buscando superar una de las debilidades que afecta al sistema financiero: la existencia de empresas informales o no supervisadas que compiten directamente con las entidades microfinancieras. Otro de los fines de la norma, seg\u00fan indic\u00f3 la Superintendente, es el fortalecimiento del gobierno corporativo en las Cajas Municipales de Ahorro y Cr\u00e9dito.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La norma establece las caracter\u00edsticas de las COOPAC que solo operan con sus socios y que no est\u00e1n autorizadas a captar recursos del p\u00fablico u operar con terceros, se\u00f1alando, entre otros aspectos, el deber de identificaci\u00f3n de sus \u00f3rganos de gobierno.<br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Asimismo, se disponen tres niveles de esquema modular para las COOPAC, de acuerdo con la cantidad total de activos con la que cuenten:<\/span><\/p>\n<ul>\n<li><b>Nivel 1:<\/b><span style=\"font-weight: 400;\"> COOPAC cuya cantidad total de activos sea hasta 600 UIT.<\/span><\/li>\n<li><b>Nivel 2:<\/b><span style=\"font-weight: 400;\"> COOPAC cuya cantidad total de activos sea mayor a 600 UIT y hasta 65000 UIT.<\/span><\/li>\n<li><b>Nivel 3<\/b><span style=\"font-weight: 400;\">: COOPAC cuya cantidad total de activos sea mayor a 65000. Deben contar con una\u00a0<\/span><span style=\"font-weight: 400;\">clasificaci\u00f3n de riesgos anual de acuerdo con las normas de la SBS.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">De acuerdo a los niveles de esquema modular en los que se encuentre una COOPAC, esta podr\u00e1 realizar determinadas operaciones ampliando de esa forma la ejecuci\u00f3n de sus actividades, entre las que se encuentra la aceptaci\u00f3n de compensaci\u00f3n por tiempo de servicios.<br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Adicionalmente, la norma ha creado el Registro Nacional de Cooperativas de Ahorro y Cr\u00e9dito no autorizadas a captar recursos del p\u00fablico, que se encontrar\u00e1 a cargo de la Superintendencia Adjunta de Cooperativas, requiriendo a las COOPAC su inscripci\u00f3n en dicho registro y otorg\u00e1ndoles un plazo de veinte (20) d\u00edas h\u00e1biles contados a partir del d\u00eda siguiente de su inscripci\u00f3n en los Registros P\u00fablicos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por \u00faltimo, la norma establece la creaci\u00f3n del Fondo de Seguros de Dep\u00f3sitos Cooperativo para proteger a los socios COOPAC que hayan aportado por 24 meses, as\u00ed como la obligaci\u00f3n de cumplir con las normas sobre prevenci\u00f3n de lavado de activos y financiamiento del terrorismo como sujetos obligados.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El pasado 19 de julio de 2018, se public\u00f3 la Ley N\u00b0 30822, mediante la cual se modifica la Ley 26702, Ley General del Sistema Financiero y del Sistema de Seguros y Org\u00e1nica de la Superintendencia de Banca, Seguros y AFP (SBS) y otras normas concordantes. La reciente norma, que entrar\u00e1 en vigor el 1 [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":12175,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[3513,3516,85,3512,317,3517,3518,200,3515,3514],"class_list":["post-12169","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-cooperativas","tag-fondo-de-seguro-de-deposito","tag-gobierno-corporativo","tag-palabras-clave-coopac","tag-peru","tag-plaft","tag-registro-nacional-de-coopac","tag-sbs","tag-seguros-y-afp","tag-superintendencia-de-banca","numero-16m","seccion-legislacion-normas-publicadas-microfinanzas","pais-peru"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Regulaci\u00f3n y supervisi\u00f3n de las Cooperativas de Ahorro y Cr\u00e9dito<\/title>\n<meta name=\"description\" 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