“El sistema de custodia en el dinamismo a los depósitos y retiros de las entidades bancarias con el BCRP
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Date
2023
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Universidad Nacional de Trujillo
Abstract
El desarrollo del presente trabajo de investigación, se realizó teniendo en cuenta a las empresas bancarias de la ciudad de Trujillo que se encuentran autorizadas a depositar, retirar y trasladar numerario por el Banco Central de Reserva del Perú en el sistema de custodia. El sistema de custodia tiene una particularidad especial basado en la confianza, que permite a las entidades bancarias depositar en sus cuentas corrientes que mantienen en este organismo emisor sin llevar el efectivo, el dinero depositado lo mantienen en custodia en sus propias bóvedas, en una parte de ella es de exclusiva y se le denomina “bóveda BCRP – custodia”.
Este procedimiento basado en la confianza ha producido en primer lugar, una administración eficiente de los activos disponibles que tiene estas empresas en las sucursales a nivel nacional; en segundo lugar, se da una disminución en los costos por transportes, al no llevar el dinero a las bóvedas del BCRP; en tercer lugar, el riesgo de asaltos y/o robos han desaparecido al no realizarse el traslado físico del dinero. El sistema de custodia se encuentra vinculado al sistema de pagos, que tiene la finalidad principal es la ejecución de órdenes de transferencia de fondos entre sus participantes.
The development of this research work was carried out taking into consideration the banking companies in the city of Trujillo that are authorized to deposit, withdraw and transfer cash by the Central Reserve Bank of Peru in the custody system. The custody system has a special feature based on trust, which allows banking entities to deposit in their current accounts that they keep in this issuing entity without carrying the cash, the deposited money is kept in custody in their own vaults, in a part of it is exclusive and is called "boveda BCRP – custodia". This procedure based on trust has produced in the first place, an efficient administration of the available assets that these companies have in their subsidiaries nationwide; secondly, there is a decrease in transportation costs, since the money is not taken to the BCRP vaults; thirdly, the risk of robbery and/or theft has disappeared since the money is not physically transferred. The custody system is linked to the payment system, whose main purpose is the execution of fund transfer orders between its participants.
The development of this research work was carried out taking into consideration the banking companies in the city of Trujillo that are authorized to deposit, withdraw and transfer cash by the Central Reserve Bank of Peru in the custody system. The custody system has a special feature based on trust, which allows banking entities to deposit in their current accounts that they keep in this issuing entity without carrying the cash, the deposited money is kept in custody in their own vaults, in a part of it is exclusive and is called "boveda BCRP – custodia". This procedure based on trust has produced in the first place, an efficient administration of the available assets that these companies have in their subsidiaries nationwide; secondly, there is a decrease in transportation costs, since the money is not taken to the BCRP vaults; thirdly, the risk of robbery and/or theft has disappeared since the money is not physically transferred. The custody system is linked to the payment system, whose main purpose is the execution of fund transfer orders between its participants.
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Keywords
Sistema de custodia, Sistema de pagos, Depósitos bancarios