{"id":64,"date":"2015-05-12T11:56:46","date_gmt":"2015-05-12T11:56:46","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=64"},"modified":"2016-02-19T21:59:39","modified_gmt":"2016-02-19T21:59:39","slug":"inclusion-financiera-sociedades-de-depositos-y-pagos-electronicos-sedpes","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/inclusion-financiera-sociedades-de-depositos-y-pagos-electronicos-sedpes\/","title":{"rendered":"Inclusi\u00f3n financiera: sociedades de dep\u00f3sitos y pagos electr\u00f3nicos (SEDPEs)"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/64?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\/64?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>El Ministerio de Hacienda y Cr\u00e9dito P\u00fablico public\u00f3 el Proyecto de Decreto con el que se pretende reglamentar las Sociedades Especializadas en Dep\u00f3sitos y Pagos Electr\u00f3nicos \u2013SEDPEs.<\/p>\n<p>Teniendo en cuenta que el dep\u00f3sito electr\u00f3nico es un producto financiero creado para promover la inclusi\u00f3n financiera de los sectores de m\u00e1s bajos recursos de la sociedad colombiana, fomentar el ahorro de peque\u00f1as sumas y poner a disposici\u00f3n de estas personas mecanismos transaccionales m\u00e1s expeditos, este Proyecto de Decreto busca establecer dos modalidades de apertura de dep\u00f3sitos electr\u00f3nicos:<\/p>\n<ol>\n<li>Tr\u00e1mite Simplificado de Apertura para Personas Naturales: Busca que aquellas personas que a\u00fan no tienen productos financieros, se sientan atra\u00eddas por adquirir uno, en consideraci\u00f3n a los m\u00ednimos requisitos que se exigen para su apertura (nombre del titular as\u00ed como algunos datos contenidos en el documento de identificaci\u00f3n, podr\u00e1n ser abiertos sin que se requiera la presencia f\u00edsica del titular del dep\u00f3sito en alguna oficina de la respectiva entidad). En todo caso, y para controlar que este producto financiero no sea desviado de su prop\u00f3sito, el decreto limita los saldos y los movimientos m\u00e1ximos de dinero que podr\u00e1n cursar por los dep\u00f3sitos electr\u00f3nicos.<\/li>\n<li>Tr\u00e1mite Ordinario de Apertura: A pesar de que \u00e9stos siguen con el prop\u00f3sito de destinarse a peque\u00f1os ahorradores, el Proyecto de Decreto aumenta los topes m\u00e1ximos que podr\u00e1n acordarse, y precisa que para su apertura se exigir\u00e1 el tr\u00e1mite de conocimiento del cliente que habitualmente se exige para los productos de cuentas de ahorros y corriente.<\/li>\n<\/ol>\n<p>Es destacable que, con la intenci\u00f3n de que estas entidades y los dep\u00f3sitos electr\u00f3nicos no se desv\u00eden de su objetivo, es importante que el Gobierno revise algunas disposiciones que podr\u00edan ser inapropiadas en la operaci\u00f3n de las SEDPEs.<\/p>\n<p>En este sentido, se deber\u00edan fijar l\u00edmites a las transacciones de recaudo, pues \u00e9stas, por su esencia, implican movimientos de considerables sumas de dinero, y sus titulares seguramente ser\u00e1n personas que realizan operaciones que involucran gran movimiento de efectivo; o podr\u00eda permitirse que en las SEDPEs se adelanten operaciones de recaudo, siempre y cuando se mantengan los l\u00edmites a los saldos, as\u00ed como en las operaciones mensuales que se realicen a trav\u00e9s de estos dep\u00f3sitos.<\/p>\n<p>De no fijarse o mantenerse dichos l\u00edmites, se abrir\u00eda una ventana para que las SEDPEs, habiendo sido creadas para ofrecer servicios a un nicho espec\u00edfico de clientes (clientes de bajos ingresos) puedan degenerar su operaci\u00f3n en la prestaci\u00f3n de servicios para los que ya existen otras entidades, esto es, a establecimientos bancarios, a las cuales les son exigidos est\u00e1ndares m\u00e1s altos de cumplimiento de normas prudenciales.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Ministerio de Hacienda y Cr\u00e9dito P\u00fablico public\u00f3 el Proyecto de Decreto con el que se pretende reglamentar las Sociedades Especializadas en Dep\u00f3sitos y Pagos Electr\u00f3nicos \u2013SEDPEs. Teniendo en cuenta que el dep\u00f3sito electr\u00f3nico es un producto financiero creado para promover la inclusi\u00f3n financiera de los sectores de m\u00e1s bajos recursos de la sociedad colombiana, [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":3789,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"class_list":["post-64","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","numero-3m","seccion-legislacion-normas-publicadas-microfinanzas","pais-colombia"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Inclusi\u00f3n financiera: sociedades de dep\u00f3sitos y pagos electr\u00f3nicos (SEDPEs)<\/title>\n<meta name=\"description\" content=\"Inclusi\u00f3n financiera: sociedades de dep\u00f3sitos y pagos electr\u00f3nicos (SEDPEs)\" 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