{"id":7423,"date":"2017-06-13T09:18:26","date_gmt":"2017-06-13T09:18:26","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=7423\/"},"modified":"2017-11-16T16:02:43","modified_gmt":"2017-11-16T16:02:43","slug":"regulacion-cajas-municipales-ahorro-credito","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/regulacion-cajas-municipales-ahorro-credito\/","title":{"rendered":"Regulaci\u00f3n Cajas Municipales de Ahorro y Cr\u00e9dito"},"content":{"rendered":"
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En la actualidad las Cajas Municipales de Ahorro y Cr\u00e9dito (en adelante \u201cCMAC\u201d) se rigen por el Decreto Supremo N\u00b0 157-90-EF, as\u00ed como por la Ley General del Sistema Financiero y del Sistema de Seguros y Org\u00e1nica de la Superintendencia de Banca y Seguros, Ley N\u00b0 26702 y sus normas modificatorias.<\/span><\/p>\n

Las CMAC se enfrentan a un proceso de modernizaci\u00f3n que se refiere en concreto a:<\/span><\/p>\n

    \n
  1. Elevar la reinversi\u00f3n de las utilidades por parte de sus accionistas (las municipalidades) y aumentar el capital m\u00ednimo de las CMAC, a fin de preservar adecuados niveles de solvencia y\/o crecimiento de sus operaciones,<\/span><\/li>\n
  2. Establecer nuevos mecanismos e incentivos que aseguren un manejo t\u00e9cnico de las CMAC, fortaleciendo su Gobierno Corporativo,<\/span><\/li>\n
  3. Facilitar el ingreso de eventuales accionistas distintos de CMAC a su accionariado, a fin de fortalecer su solvencia y acceso a mejores pr\u00e1cticas de gesti\u00f3n financiera,<\/span><\/li>\n
  4. Dise\u00f1ar e implementar proyectos corporativos, con el apoyo y participaci\u00f3n de la Federaci\u00f3n de Caja Municipales de Ahorro y Cr\u00e9dito (FEPCMAC), el Fondo de Cajas Municipales de Ahorro y Cr\u00e9dito (FOCMAC) y\/u organismos locales e internacionales, para el desarrollo de nuevas tecnolog\u00edas y modelos de gesti\u00f3n, acordes con las innovaciones del sistema financiero, o para la ejecuci\u00f3n de mayores recursos financieros.<\/span><\/li>\n<\/ol>\n

    Por tal motivo, la Superintendencia de Banca, Seguros y Administradoras de Fondos de Pensiones propone modernizar el marco legal vigente a fin de crear mecanismos y condiciones similares a las que rigen para las instituciones microfinancieras privadas, consolidando con ello los avances \u00a0que las CMAC han alcanzado. Entre los principales cambios normativos que se proponen se consideran los siguientes temas:<\/span><\/p>\n

      \n
    1. Mejora del Gobierno Corporativo de las CMAC, especificando el rol y facultades de la Junta General de Accionistas en las CMAC,<\/span><\/li>\n
    2. Ampliaci\u00f3n de operaciones permitidas a las CMAC, y consecuentemente, el aumento del capital m\u00ednimo requerido,<\/span><\/li>\n
    3. Fomento de los mecanismos de reinversi\u00f3n de utilidades de las CMAC para su fortalecimiento patrimonial,<\/span><\/li>\n
    4. Creaci\u00f3n de mecanismos de preservaci\u00f3n del sistema CMAC para facilitar el aporte de capital en las CMAC sujetas al R\u00e9gimen de Vigilancia,<\/span><\/li>\n
    5. Facilitar el ingreso de terceros al accionariado de las CMAC, reglamentando la composici\u00f3n del Directorio de las CMAC y la distribuci\u00f3n de utilidades en estos casos,<\/span><\/li>\n
    6. Redefinici\u00f3n de las funciones y facultades de la FEPCMAC y FOCMAC.<\/span><\/li>\n<\/ol>\n

       <\/p>\n

       <\/p>\n

       <\/p>\n

       <\/p>\n","protected":false},"excerpt":{"rendered":"

      En la actualidad las Cajas Municipales de Ahorro y Cr\u00e9dito (en adelante \u201cCMAC\u201d) se rigen por el Decreto Supremo N\u00b0 157-90-EF, as\u00ed como por la Ley General del Sistema Financiero y del Sistema de Seguros y Org\u00e1nica de la Superintendencia de Banca y Seguros, Ley N\u00b0 26702 y sus normas modificatorias. Las CMAC se enfrentan […]<\/p>\n","protected":false},"author":30,"featured_media":7435,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[140,1623,204,2075,85,682,200,277,2074],"class_list":["post-7423","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-accionistas","tag-capital","tag-cmac","tag-facultades","tag-gobierno-corporativo","tag-regulacion","tag-sbs","tag-sistema-financiero","tag-utilidades","numero-11m","seccion-legislacion-normas-publicadas-microfinanzas","pais-peru"],"acf":[],"yoast_head":"\nRegulaci\u00f3n Cajas Municipales de Ahorro y Cr\u00e9dito<\/title>\n<meta name=\"description\" content=\"SBS busca fortalecer el sistema de las Cajas Municipales de Ahorro y Cr\u00e9dito a fin de asegurar un crecimiento s\u00f3lido.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/regulacion-cajas-municipales-ahorro-credito\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Regulaci\u00f3n Cajas Municipales de Ahorro y Cr\u00e9dito\" \/>\n<meta property=\"og:description\" content=\"SBS busca fortalecer el sistema de las Cajas Municipales de Ahorro y Cr\u00e9dito a fin de asegurar un crecimiento s\u00f3lido.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/regulacion-cajas-municipales-ahorro-credito\/\" \/>\n<meta property=\"og:site_name\" content=\"Progreso\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva\" \/>\n<meta property=\"article:published_time\" content=\"2017-06-13T09:18:26+00:00\" \/>\n<meta property=\"article:modified_time\" 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