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Derecho Bancario. Control Estatal de la Banca
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Derecho Bancario. Control Estatal de la Banca
Instituciones encargadas de la vigilancia bancaria y financiera. Protección de los intereses del público. Mecanismos preventivos de protección al ah...
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UNIDAD 5 DE MAYO SEP- DIC 2015 LICENCIATURA EN CIENCIAS JURÍDICAS JURÍDIC AS MATERIA:
DERECHO BANCA B ANCARIO RIO
TAREA TAREA NUM:
SEGUNDO EXAMEN PARCIAL PARCIAL
TEMA(S):
- Un!"! 2 C#n$%#& E'$"$"& ! &" B"n" - Un!"! * B"n" E+$%"n,%" n M+#
OBJETI.OS: E+"/n"% &' '#n &#' %3"n#' ! A!/n'$%"n P4&" M+"n" n"%3"!#' ! !%3%6 #%n$"% 7 '8%9'"% & '%9# ! "n" 7 %!$# 8%'"n!# ' /$# ! #/8$n" 7 "&$"!' &3"&';
NOMBRE:
LINDA AÍDA PE
MATRICULA:
22>15
TETRA:
SEPTIEMBRE? DICIEMBRE
DOCENTE:
LIC; LUIS HUMBERTO BERNAL GON=@LE=
MONTERREY6 N; L; A 22 DE NO.IEMBRE DE 2015 1
INTRODUCCIN A continuación conoceremos de forma breve algunos de los objetivos principales de las entida entidades des regula reguladora doras s y supervi supervisor soras as del sistem sistema a bancari bancario o en la Admin Administ istrac ración ión Públic Pública a existente en el país así como del Banco de México, figurando dentro de sus objetivos por ejem ejempl plo o salv salvagu aguard ardar ar el sist sistema ema de pagos pagos de la econ econom omía ía y prot protege egerr los los dere derec cos os de propiedad de los depositantes, mientras siguen buscando de forma simult!nea generar las condiciones necesarias para una eficiente intermediación financiera" #ambién se presenta la actuación de la Banca extranjera en nuestro país y el alcance de la Banca en el !mbito internacional $Banco Mundial%, así como los medios de financiamiento y pago pago intern internaci aciona onall &ue ofrecen ofrecen los bancos bancos a sus clientes clientes exportad exportadores ores e import importado adores' res' considerando &ue estos productos toman importancia frente a los riesgos &ue presentan los mercados mercados internaciona internacionales les bajo una coyuntura política política o económica, económica, es decir &ue los usuarios usuarios de comercio exterior actualmente buscan seguridad y rapide( en los pagos internacionales aciendo uso de estrategias viables mediante servicios financieros"
CONTENIDO TEM@TICO
INTRODUCCIÓN .......................................................................................................... .................................................. pág. 2 UNIDAD 2. CONTROL ESTATAL DE LA BANCA ........................................................................................... pág. 3 INSTITUCIONES ENCARGADAS DE LA VIGILANCIA BANCARIA Y FINANCIERA BANCO DE MEXICO SHCP COMISIÓN NACIONAL BANCARIA COMISIÓN NACIONAL DE VALORES COMISIÓN NACIONAL DE SEGUROS Y FINANZAS REGULACIÓN PREVENTIVA PREVENTIVA DE LA BANCA ...................................................................................................... pág. SUPERVISIÓN BANCARIA .................................................................................................................. ....................... pág. ! PROTECCIÓN DE LOS INTERESES DEL P"BLICO .......................................................................................... pág. # MECANISMOS PREVENTIVOS DE PROTECCIÓN AL AHORRO ............................................................... pág. 11
UNIDAD 3. BANCA EXTRANJERA EN MÉXICO .................................................................................. ........................................ ................................................. ....... pág. 11
2
BANCA EXTRAN$ERA EN M%XICO ..................................................................................................................... pág. 11 &CU'LES SUCURSALES DE BANCAS EXTRAN$ERAS HAY EN M%XICO Y OFICINAS OFF SHORE( &)U% TRATAMIENTO HAY EN LAS BANCAS DE EEUU* CANAD' Y M%XICO CONFORME AL TRATADO DE LIBRE COMERCIO( ................................................................................................................ ...... pág. 12 LA BANCA EN EL 'MBITO INTERNACIONAL ............................................................................................... pág. 1+ A, FMI B, BANCO INTERAMERICANO DE DESARROLLO -BID, C, BANCO INTERNACIONAL DE RECONSTRUCCIÓN Y FOMENTO D, CORPORACIÓN FINANCIERA INTERNACIONAL E, BANCO DE IMPORTACIÓN Y EXPORTACIÓN DE ASHIGNTON LAS OPERCIONES BANCARIAS INTERNACIONALES CAMBIO DE DIVISAS ..................................... pág. 1# CAMBIO DE DIVISAS ...................................................................................................................... .......................... pág. 1# CR%DITO DOCUMENTARIO ......................................................................................................... ......................... pág. 1# BIENES GARANT/AS Y AVALES Y FINANCIAMIENTO DEL COMERCIO EXTERIOR ...................... pág. 20 C456786 .............................................................................................................. .................................................. pág. 23
UNIDAD 2. CONTROL ESTATAL DE LA BANCA INSTITUCIONES ENCARGADAS DE LA VIGILANCIA BANCARIA Y FINANCIERA L96 95:;7<9<86 =58 8>8;8 9:;7?5786 8 @9:8;79 978;9 8 M7 6 84 G?78; F8<8;94* 9 :;96 <84 Cg;86 <8 49 U7* <8 958;< 496 954:9<86 =58 48 :;g9 84 9;:54 3* ;97 X <8 49 C6:7:57* 84 P<8; E>85:7 F8<8;94* 9 :;96 <8 49 S8;8:9;79 <8 H978<9 C;<7: P?47* <8 49 =58 9 65 8J <8p8<8 49 C@767 N9794 B99;79 <8 V94;86* L9 C@767 N9794 <84 S76:8@9 <8 AK;; p9;9 84 R8:7;* 49 C@767 N9794 <8 S8g5;6 F79J96* 8696 3
:;86 @ ;g976@6 <868:;9<6 p; 4:7@ 84 B9 <8 M7* 49 95:@9 =58 48 <9 65 48.
BANCO DE MEXICO E4 B9 <8 M7 -B97, 86 84 ?9 8:;94 <8 M7. F58 5<9< p; <8;8: @ 678<9< 97@9 84 2 <8 9g6: <8 1#2 ?9> 84 g?78; <8 P45:9; E496 C94486* 7779< 65 p8;97 @ ?9 8:;94 84 1 <8 68p:78@?;8 <8 868 @76@ 9. S5 p;7@8; D7;8:; G88;94 58 A4?8;: M969;896 N99;; 84 p;7@8; P;867<8:8 <84 C68> 58 M9584 G@8J M;. P; @9<9: 6:7:5794* 84 B9 <8 M7 86 59 76:7:57 95:@9 <86<8 9?;74 <8 1##+. S5 ?>8:7 p;7;7:9;7 86 p;5;9; 49 86:9?747<9< <84 p<8; 9<=5767:7 <8 49 @8<9 9794. L9 C6:7:57 P4:79 <8 46 E6:9<6 U7<6 M8796* 8 65 9;:54 2!* <76p8 =58 84 E6:9< :8<;á 5 ?9 8:;94 =58 68;á 95:@ 8 84 8>8;77 <8 656 5786 8 65 9<@776:;97* p; 4 =58 86 59 <8p8<879 8:7<9< <8 49 A<@776:;97 P?479 F8<8;94. L96 947<9<86 656:9:796 <84 B9 <8 M7 6 p;88; 9 49 8@9 <84 p96 <8 @8<9 9794 -84 p86 @879, 76:;5@8:9; 49 p4:79 @8:9;79 84 ?>8:7 p;7;7:9;7 <8 p;5;9; 49 86:9?747<9< <84 p<8; 9<=5767:7 <8 49 @8<9 9794 p;@8; 84 69 <869;;44 <84 676:8@9 978; p;p779; 84 ?58 579@78: <8 46 676:8@96 <8 p9g. E4 B9 <8 M7 <8 958;< 9 65 L8 O;gá79 :9@?7 :788 49 57 <8 P;86:9; 68;776 <8 :86;8;9 94 G?78; F8<8;94 9:59; @ 9g8:8 978; <84 @76@ 5g7; @ 9686; <84 G?78; F8<8;94 8 @9:8;79 8@79 * p9;:7549;@8:8* 978;9 p9;:77p9; 8 84 F< M8:9;7 I:8;9794 8 :;6 ;g976@6 <8 p8;97 978;9 7:8;9794 =58 9g;5p8 9 ?96 8:;9486* p8;9; ?96 8:;9486 :;96 p8;696 @;9486 8:;9>8;96 =58 8>8;J9 5786 <8 95:;7<9< 8 @9:8;79 978;9. U9 <8 496 947<9<86 p;77p9486 <84 B9 <8 M7 86 p;88; 94 p96 <8 @8<9 9794. A4 7g594 =58 594=578; ?9 8:;94 @<8;* 58:9 49 954:9< 845679 <8 8@7:7; p9p84 @8<9 <8 ;8g549; 49 9:7<9< <8 ?7448:86 @8<96 8 7;5497.
L9 C969 <8 M8<9 <8 M7 86 59 8:7<9< 68p9;9<9 <84 B9 <8 M7* <8p8<78:8 <8 49 S8;8:9;9 <8 H978<9 C;<7: P?47* 86 ;86p69?48 <8 9?;79; 496 @8<96 8 496 9:7<9<86 <8@79786 =58 ;8=578;8 84 p?47 +
p9;9 88:59; 656 :;969786. E4 B9 <8 M7* p; 65 p9;:8* 86 ;86p69?48 <84 <768 p;<57 <8 46 ?7448:86* 968g5;á<68 =58 K9 59 9:7<9< 6578:8 <8 8446 8 7;5497 =58 6 95::76 @8<79:8 49 7;p;97 <8 9;9:8;6:796 <8 68g5;7<9<. A67@76@* 84 B9 <8 M7 @8;7947J9 @8<96 8 @8:9486 6 @ 84 ; 49 p49:9 =58 K9 @8;87< <8 ;87@78: 9 784 @5<794.
SHCP F58 ;89<9 84 + <8 :5?;8 <8 1!21* 9 685879 <8 49 65@97 <8 I<8p8<879* 84 :78@p 68 9@?7 65 <8@797 p; 49 S8;8:9;79 <8 H978<9 C;<7: P?47 C@8;7* p8; 49 4:7@9 p949?;9 68 65p;7@7 458g <86<8 86 <84 67g4 p969< 68 48 8 @ S8;8:9;79 <8 H978<9 C;<7: P?47. E6 84 ;g9 @á6 7@p;:9:8 <84 G?78; F8<8;94 8 @9:8;79 <8 ?99 ;<7:* 48 ;;86p<8 9p479;* 8>85:9; 8 7:8;p;8:9; 9 88:6 9<@776:;9:76 46 <78;8:86 ;<89@78:6 =58 876:8 6?;8 49 @9:8;79. P; :; 49< 48 ;;86p<8 :9@?7 <9; 49 ;78:97 <8 49 p4:79 978;9 ;8<7:779 9 :<6 46 7:8;@8<79;76 978;6* ;@8 9 46 4789@78:6 =58 8 8696 @9:8;796 68948 84 E>85:7 F8<8;94.
Facula!"# c$%&$'(" a la L") !" I%#*uc*$%"# !" C'+!*$ L9 p;77p94 67<8;9<9 8 49 48 86 =58 7:8;p;8:9 9 88:6 9<@776:;9:76 49 L8 <8 I6:7:5786 <8 C;<7: -LIC 9;:.,. L58g @879 =58 95:;7J9 84 86:9?487@78: <8 796 <8 ;8p;868:97 <8 8:7<9<86 978;96 <84 8:8;7; -9;:.Q,. A5:;7J9 :9@?7 84 86:9?487@78: <8 655;69486 8 49 R8p?479 M8799 <8 ?96 8:;9>8;6 <8 p;7@8; ;<8 8p8<7;á 496 ;8g496 9 496 =58 65>8:9;9. A6 @76@* >9;á 84 9p7:94 @7@ =58 <8?9 98:9; 9 656 p8;9786 8 84 p96 >9;á 5:96 =58 <8?9 p9g9; p; 49 76p87 7g74979. P; :; 49<* :;g9 496 95:;7J9786 9 S78<9<86 A7@96 p9;9 ;g97J9;68 579; @ ?99 @4:7p48 8 ;@9 <76;8794. S8;9 89;g9<9 <8 p;@8; 59 9<859<9 <868:;947J97 <84 676:8@9 ?99;7 @879 p;5;9< 87:9; 49 88679 :;9:97 ;8g794 -9;:. 10,. C;@8 9 :;96 4886 4489 9 9? 496 5786 <8 :;4 ;8g5497 6?;8 496 76:7:5786 <8 9J96 68g5;6. E4 95:; H5@?8;: R5J T;;86 8 65 47?; Elementos de Derecho Bancario @879 =58 496 954:9<86 <8 496 95:;7<9<86 6 @5 9@p4796* 67 8@?9;g <86:99 496 =58 4 67<8;9 @á6 p9;:7549;86 8 49 SHCP <78 =58 95:;7J9 49
p8;97 <8 496 76:7:5786 <8 ?99 @4:7p48 p58<8 ;89; 86:9 95:;7J97. R8=578;8 <5@8:6 8 7;@97 9 496 76:7:5786. E6:9?488 ;8g496 g88;9486 p9;9 49 p8;97 <8 496 76:7:5786 <8 ;<7:. Y <86:99 =58 86:9 S8;8:9;9* 8< 9 49 p77 <8 49 C@767 N9794 B99;79 <8 V94;86* p58<8 <7:9; <76p67786 <8 9;á:8; g88;94 p9;9 p;887; <8:8:9; 8 496 76:7:5786 <8 ;<7: - 8 496 678<9<86 978;96 <8 ?>8: 47@7:9<, 9:6 <8 p8;9786 ;85;66 ?7886 =58 p;8<9 ;8p;868:8 84 p;<5: <8 5 p;?9?48 <847:. E6 6:8 84 96 <84 :;4 48g94 <8@79< 499< <8 <78;.
COMISI,N NACIONAL BANCARIA A%"c"!"%"# L9 ;897 <8 49 p;7@8;9 C@767 N9794 B99;79 68 ;8@:9 9 49 p;7@8;9 48 ?99;79* p6:8;7; 9 49 ;8457* 9 69?8; 49 L8 G88;94 <8 I6:7:5786 <8 C;<7: E6:9?487@78:6 B99;76 <8 1#2. E76:78; p;7@8; 49 C@767 N9794 B99;79 <8 S8g5;6 49 C@767 N9794 <8 V94;86. P6:8;7;@8:8 8 1#!2 1#!* 68 ;8;g97J 49 C@767 N9794 B99;79 <8 S8g5;6 49 594 58 <77<7<9 p9;9 ;89; 2 C@76786 49 C@767 N9794 B99;79 -CNB, 49 C@767 N9794 <8 S8g5;6 F79J96. A6 8 <778@?;8 <8 1#!# 49 C@767 N9794 B99;79 -CNB, 57 @ 5 ;g976@ <868:;9< <8 49 SHCP* p8; 9<8@á6* @ ;8654:9< <8 49 68p9;97 ;gá79 48g94 =58 68 K7J <8 496 @p8:8796* =58 K96:9 869 8K9 <868@p89?9 59 649 @767 =58 68 <8@79?9 C@767 N9794 B99;79 <8 S8g5;6. L9 CNB 68 8;7g7 =58<á<48 9<96 49 76p87 7g74979 <8 496 76:7:5786 <8 ;<7: 8 49 p;86:97 <84 68;77 <8 ?99 ;<7: 84 5@p47@78: <8 496 <76p67786 <8 49 L8 <8 I6:7:5786 C;<7:* -9;: 123 LIC,. P; 4 =58 49 65p8;767 7g74979 <8 46 7:8;@8<79;76 =58<9?9 K96:9 868 8:86 <8 49 67g578:8 ;@9 A. C@767 N9794 B99;79 -CNB, p9;9 :;49; 496 9:77<9<86 <8 I6:7:5786 <8 C;<7: <8 496 O;g97J9786 A57479;86 <8 C;<7:. C. C@767 N9794 <8 S8g5;6 F79J96 =58 65p8;769* :9: 9 8:7<9<86 <8 68g5; @ <8 9J9 656 p8;9786.
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B. C@767 N9794 <8 V94;86 89@79<9 9 ;8g549; 8 76p879; 496 9:77<9<86 <8 46 7:8;@8<79;76 94;86* 8@76786 :7J9786 <8 94;86* 8:.
COMISI,N NACIONAL DE VALORES E6 59 95:;7<9< 978;9 @8799* ;g9 <868:;9< <8 49 SHCP 95:@9 :79 954:9<86 8>85:796. L9 M767 <8 49 CNBV 86 65p8;769; ;8g549; 9 496 8:7<9<86 7:8g;9:86 <84 676:8@9 978; @879* 9 <8 p;5;9; 65 86:9?747<9< ;;8: 579@78:* 96 @ @9:88; @8:9; 84 69 8=5747?;9< <869;;44 <8 <7K 676:8@9 8 65 >5:* 8 p;:87 <8 46 7:8;8686 <84 p?47. L9 K76:;79 <8 49 C@767 N9794 B99;79 <8 V94;86 -CNBV,* 68 777 K98 20 96 9:594@8:8 86 ;88;8:8 76:7:5794 <8 M7 ;87<9 7:8;9794@8:8. E 46 p;7@8;6 @8686 <8 1##* <5;9:8 59 <8 496 @á6 688;96 ;7676 8@796 =58 K9 65;7< 84 p96* 49 CNBV >5g 5 p9p84 p;8p<8;9:8 p9;9 =58 84 676:8@9 ?99;7 67g578;9 8 p8;97.
FUSI,N DE LA CNB Y CNV E4 2! <8 9?;74 <8 1##* 84 Cg;86 <8 49 U7 9p;? 49 L8 <8 49 C@767 N9794 B99;79 <8 V94;86 -LCNBV,* 647<9< 8 5 64 ;g9 <868:;9<* 496 5786 =58 ;;86p<9 9 49 C@767 N9794 B99;79 -CNB, 9 49 C@767 N9794 <8 V94;86 -CNV,. L9 CNBV 98 84 @9<9: <8 65p8;769; ;8g549;496 8:7<9<86 =58 ;@9 94 676:8@9 978; @879* 9 <8 p;5;9; 65 86:9?747<9<* ;;8: 579@78:* @9:88; @8:9; 84 69 8=5747?;9< <869;;44 <84 676:8@9 978; 8 65 >5:* p;:8g8; 46 7:8;8686 <84 p?47. A 65 8J* 49 CNBV 68;9 p489@8:8 496 954:9<86 <8 95:;7<9< =58 :89 496 C@76786 5679<96* @p48@8:á<496 84 86:9?487@78: <8 p;g;9@96 p;88:76 <8 ;;87 p9;9 847@79; 7;;8g549;7<9<86 8 496 8:7<9<86 65p8;769<96. A<7794@8:8* 9 49 C@767 68 48 :;g9 49 954:9< <8 <7:9; ;@96 p;5<879486 ;78:9<96 9 p;868;9; 49 47=57<8J* 49 64879 49 86:9?747<9< <8 46 7:8;@8<79;76. T9486 ;8g549786 p;5<879486 6* 8:;8 :;96* 496 =58 68 ;88;8 9 <78;6797 <8 ;786g6* 9p7:947J97 ;897 <8 p;76786 p;88:796.
M8<79:8 86:96 K8;;9@78:96* 49 CNBV 68 8;7g7 @ 59 95:;7<9< 58;:8* 9?48* ;8?48 68g5;9 8 46 67g578:86 96 <869;;44 @:<6 <8 ;8g5497 65p8;767* =58 K9 <9< 647<8J 94 676:8@9 978; @879* 4 =58 68 ;88>9 8 46 94:6 <786 <8 9p7:947J97* =58 :9@?7 K9 p8;@7:7< 8;8:9; <78;696 ;7676 @5<79486.
LA COMISI,N NACIONAL BANCARIA Y DE VALORES EN LA ACTUALIDAD L9 CNBV K9 8:;9< 656 8658;J6 8 647<9; 49 86:9?747<9< <84 676:8@9* 7@p5469; 49 647<8J <8 496 76:7:5786 68:9; 496 ?9686 p9;9 9;88; :9: 49 p88:;97 <84 676:8@9 978; @ 65 ;87@78:. D5;9:8 84 68g5< 68@86:;8 <84 2011 68 p5?479; <78;696 ;8;@96 48g9486 59 947<9< 58 86:9?488; 5 58 ;g7@8 <8 p;887 <84 499< <8 <78; <84 979@78: 94 :8;;;76@* =58 ;7 9 49 CNBV 5896 954:9<86 <8 65p8;767 8 49 @9:8;79 ;86p8: <8 8:;6 9@?79;76* :;96@76;86 <8 <78; 678<9<86 978;96 <8 ?>8: @4:7p48 ;8g549<96. S8 4489; 9 9? @4:7p486 9786 p9;9 <9; 5@p47@78: 9 496 ;8;@96 p5?479<96* 68 65p8;76 9 46 7:8;@8<79;76* 68 849?;9; 5896 <76p67786 <8 9;á:8; g88;94 8 49 @9:8;79* 68 9<85 49 86:;5:5;9 <8 49 CNBV 68 <869;;449; @8:<4g96 <8 65p8;767 9<K.
COMISI,N NACIONAL DE SEGUROS Y FINAN-AS S8g 49 L8 G88;94 <8 I6:7:5786 S78<9<86 M5:59476:96 <8 S8g5;6* 8 65 9;:54 10! 6 @879 =58 49 C@767 N9794 <8 S8g5;6 F79J96 86 5 ;g9 <868:;9< <8 49 S8;8:9;9 <8 H978<9 C;<7: P?47. L9 C@767 9 49 =58 6 ;88;7@6 :788 9 65 9;g 49 76p87 7g74979 <8 496 678<9<86 @5:59476:96 <8 68g5;6 -9;:. 10Q,. D8:; <8 656 5786 p<8@6 8:;9; =58 :788 954:9<86 -8:;8 :;96, p9;9 1. R8947J9; 49 76p87 7g74979 =58 48 @p8:8. 2. F5g7; @ ;g9 <8 654:9 <8 49 S8;8:9;9 <8 H978<9 C;<7: P?47 :;9:á<68 <84 ;g7@8 968g5;9<; 8 46 966 =58 96 4 <8:8;@78 49 48. 3. I@p8; 69786 9<@776:;9:796 p; 7;9786 9 6:9. +. E@7:7; 496 <76p67786 8869;796 84 89J 5@p47@78: <8 49 @76@9. . E@7:7;* ;@96 <8 9;á:8; p;5<8794 ;78:9<96 9 p;868;9; 49 64879* 47=57<8J 86:9?747<9< 978;9 <8 496 76:7:5786 678<9<86 @5:59476:96 <8 68g5;6. !
Q. P;868:9; p77 9 49 S8;8:9;9 <8 H978<9 C;<7: P?47 6?;8 49 7:8;p;8:97 <8 86:9 L8 <8@á6 ;849:796 8 96 <8 <5<9 ;86p8: 9 65 9p4797.
REGULACI,N PREVENTIVA DE LA BANCA L9 ;8g5497 ?99;79 86 59 ;@9 <8 ;8g5497 g5?8;9@8:94 =58 65>8:9 9 46 ?96 9 78;:6 ;8=5767:6* ;86:;7786 <7;8:;786. E6:9 86:;5:5;9 ;@9:79 ;89 :;96p9;879 8:;8 496 76:7:5786 ?99;796 46 7<77<56 ;p;9786 46 =58 K98 8g76* 8:;8 :;96 696. M5K96 76:7:5786 978;96 -8 p9;:7549;* 46 ?96 <8 78;67 5 ?;9J @8;794, :788 <8@9679< :;4 6?;8 49 8@9 p9;9 98; 67 :88; 6858796 8;@86. E6:9 86 49 p;8@769 p9;9 84 ;869:8 p; p9;:8 <84 G?78;* 8 84 =58 68 p;p;79 9676:879 978;9 8<8;94 9794 9 46 ?96 5 :;96 76:7:5786 978;96 =58 p9;88 86:9; 94 ?;<8 <84 49p6. L6 ?>8:76 p;77p9486 <8 496 8:7<9<86 ;8g549<;96 65p8;76;96 <84 676:8@9 ?99;7 6 6949g59;<9; 84 676:8@9 <8 p9g6 <8 49 8@9 p;:8g8; 46 <8;8K6 <8 p;p78<9< <8 46 <8p67:9:86. D8?8 g9;9:7J9; =58 46 ?96 58:8 84 9p7:94 8869;7 -@ p;8:9>8 <8 46 9:76 8 ;786g, p9;9 =58 689 647<6* p; 6:8* 68 8:78<8 84 9p7:94 @7@ 8869;7 p9;9 ;8<57; 49 p;?9?747<9< <8 =58 496 p;<7<96 88<9 84 9p7:94 <84 ?9 <5J9 9 6:8 9 49 764879. A67@76@* 86:9?488 57<9 =58 46 ?96 :8g9 496 ;868;96 6578:86 p9;9 5?;7; 46 ;786g6 <8 75@p47@78: <8 46 ;<7:6 :;g9<6 <8 p;<7<9 8 84 94; <8 @8;9< <8 46 9:76 ?99;76. E4 C@7: <8 B967489* <8@797 56594 49 =58 68 8 94 C@7: <8 S5p8;767 B99;79 <8 B967489 86 49 ;g97J97 @5<794 =58 68 89;g9 <8 ;857; 9 496 95:;7<9<86 <8 65p8;767 ?99;79* 59 <8 496 5786 <8 6:8 @7: 86 ;:9488; 49 647<8J <8 46 676:8@96 978;6* :9@?7 ;@549 496 ;@96 g88;9486 <8 65p8;767 <7;8:;786 ;8@78<9 496 <849;9786 <8 ?5896 p;á:796 8 49 65p8;767 ?99;79 49 86p8;9J9 <8 =58 496 95:;7<9<86 @78@?;* 496 95:;7<9<86 <8 p9686 @78@?;6 :@9;á @8<7<96 p9;9 p8;496 8 p;á:79 9 :;96 <8 656 p;p76 676:8@96 979486* 9 689 8 ;@9 48g94 <8 :;9 @98;9. E8:79@8:8* 9 p869; <8 :88; 95:;7<9< p9;9 K98; 5@p47; 656 ;8@8<9786* 49 @9;9 <8 46 p9686* @78@?;6 * :78<8 9 7@p48@8:9; 496 p4:796 <7:9<96 p; 84 C@7:.
SUPERVISI,N BANCARIA
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10
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PROTECCI,N DE LOS INTERESES DEL PBLICO U 676:8@9 978; 86:9?48* 878:8* @p8:7:7 8 79<; :;7?58 9 8489; 84 ;87@78: 8@7 66:87< 84 ?7886:9; <8 49 p?497. P9;9 4g;9; <7K6 ?>8:76* 86 7<76p869?48 :9; 5 @9; 76:7:5794 647< 59 ;8g5497 65p8;767 978;96 =58 6949g59;<8 49 7:8g;7<9< <84 @76@ 676:8@9 p;:8>9 46 7:8;8686 <84 p?47. L9 C@767 N9794 p9;9 49 P;:87 D8869 <8 46 U659;76 <8 S8;776 F7978;6 -C<568, 86 59 76:7:57 p?479 <8p8<78:8 49 S8;8:9;9 <8 H978<9 C;<7: P?47* =58 :788 84 ?>8:7 <8 <88<8; 46 7:8;8686 <8 46 5659;76 <84 676:8@9 978; 84 ?>8: <8 9;?7:;9; <78;8796 <8 @98;9 7@p9;794 8 49 ;8497 8:;8 478:86 8 76:7:5786 978;96. L9 C<568 86 5 ;g9 <868:;947J9< <8 49 SHCP <:9<9 <8 95:@9 8 656 <876786. P;77p9486 9786 • •
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LEY DE PROTECCIÓN Y DEFENSA AL USUARIO DE SERVICIOS FINANCIEROS. A;:54 1. L9 p;868:8 L8 :788 p; ?>8: 49 p;:87 <8869 <8 46 <8;8K6 8 7:8;8686 <84 p?47 5659;7 <8 46 68;776 978;6* =58 p;86:9 496 76:7:5786 p?4796* p;79<96 <84 68:; 6794 <8?7<9@8:8 95:;7J9<96* 96 11
@ ;8g549; 49 ;g97J97* p;8<7@78:6 579@78: <8 49 8:7<9< p?479 89;g9<9 <8 <7K96 5786.
MECANISMOS PREVENTIVOS DE PROTECCI,N AL AHORRO E 1##0 <8;79< <8 49 ;8p;79:7J97 ?99;79* 68 p5?47 49 L8 <8 I6:7:5786 <8 C;<7: -LIC, =58 48 :;g 94 B9 <8 M7 49 9:;7?57 <8 9<@776:;9; 84 F< B99;7 <8 P;:87 94 AK;; -FOBAPROA,. S5 ?>8:7 8;9 ;8947J9; 496 p8;9786 =58 58;9 8869;796 p9;9 p;887; p;?48@96 978;6 =58 p5<78;9 p;868:9; 46 ?96* =58 486 9679;9 94:9 <8 47=57<8J 47@7:9;9 65 9p97<9< p9;9 5@p47; 496 ?47g9786 46 <8p67:9:86. E 1##* <8;79< <8 49 ;7676* 8;9 49;9 49 764879 <8 94g56 ?96* 59 9@p479 p67?747<9< <8 8;8:9; 5 49p6 <84 676:8@9 978;. E4 G?78; F8<8;94 9:5 ;9p7<8J <8767 p9;9 87:9; 5 <9 @9;* 9<p:9< 59 68;78 <8 @8<7<96 <8 9p 9 49 ?99 9 46 <85<;86* 59 p;8@769 58 49 6949g59;<9 <8 46 9K;;6 <8 49 678<9<. 1##!. S8 p;p56 ;89; <6 ;g976@6 <868:;947J9<6 =58 68 89;g968 <8 46 9:76 496 5786 =58 :89 8 868 8:86 84 F< B99;7 <8 P;:87 94 AK;; -FOBAPROA, 68 p;868: 49 7779:79 <8 L8 <8 P;:87 94 AK;; B99;7 -LPAB,. L9 7779:79 <84 E>85:7 96 @ 49 <8 49 LPAB* 58; <7:9@79<96 <8 @98;9 >5:9. L9 LPAB 8:; 8 7g; 8 88; <8 1### 9 <78;879 <8 48g7649786 9:8;7;86* 68 p;868: 5 68g5; <8 <8p67:6 8p47: 47@7:9<* 9 9;g <84 ;g976@ <868:;947J9< <8 49 A<@776:;97 P?479 F8<8;94* ;89< p; 7;:5< <8 496 <76p67786 <8 <7K9 L8* 84 I6:7:5: p9;9 49 P;:87 94 AK;; B99;7 -IPAB,. E4 I6:7:5: p9;9 49 P;:87 94 AK;; B99;7 -IPAB, 86 5 ;g976@ <868:;947J9< <8 49 A<@776:;97 P?479 F8<8;94* 68:;7J9< 9 49 S8;8:9;9 <8 H978<9 C;<7: P?47* p8;6947<9< >5;<79 p9:;7@7 p;p76 <@7747 8 84 D76:;7: F8<8;94* 596 5786 68 858:;9 ;8g549<96 8 49 L8 <8 P;:87 94 AK;; B99;7 -LPAB, 8 49 L8 <8 I6:7:5786 <8 C;<7: -LIC,. E4 IPAB :788 p; @9<9: 48g94 9<@776:;9; 84 676:8@9 <8 p;:87 94 9K;; ?99;7 8 M7 -68g5; <8 <8p67:6,* 8 ?887 <8 46 9K;;9<;86 =58 ;89478 p8;9786 ?99;796 67<8;9<96 @ ?47g9786 g9;9:7J9<96 -<8p67:6* p;6:9@6 ;<7:6,* <8 ;@7<9< 4 <76p586: p; 49 LPAB 49 LIC 4 9:8;7;* 8 46 :;@76 496 47@7:9:86 :87<6 8 496 <76p67786 ;@9:796 ;;86p<78:86. E4 IPAB p9g9;á 84 694< <8 496 ?47g9786 12
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UNIDAD 3. BANCA EXTRANJERA EN MÉXICO BANCA EXTRANJERA EN MÉXICO S8 <8@79 86:8 :;@7 9 49 9:77<9< =58 ;8947J9 46 ?96 @8;79486 <8 <869;;44 8 656 <78;8:86 @<947<9<86 =58 ;@9 84 676:8@9 ?99;7 6:7:58 76:7:5786 <8 7:8;@8<797 978;9. E6: 86 =58 9<@7:8 <78; 8 ;@9 <8 <8p67:* :;g9< p; 844 5 7:8;6 -:969 p9679,* p9;9 p6:8;7;@8:8* 8 57 <8 ;85;66 p;p76* 8<8; ;<7:6* <8658:6 :;96 p8;9786 978;96 p; 496 59486 ?;9 5 7:8;6 -:969 9:79,* @76786 g96:6 8 65 96.
/CU0LES SUCURSALES DE BANCAS EXTRANJERAS HAY EN MÉXICO Y OFICINAS OFF SHORE1 E 84 48g59>8 978; 68 5:747J9 84 :;@7 6K;8* @8:9;79@8:8* p9;9 <86;7?7; 594=578; 9:77<9< 8@79 78;67 =58 68 ;8947J9 58;9 <84 p;p7 p96 <8 ;867<879. S8 p58<8 :;9:9; <8 p;<5:6 @5 9;79<6 58:96 ?99;796* p47J96 <8 68g5;6* 78;6786 7@?7479;796* 678<9<86 8:;9>8;96* <6 <8 78;67* 8:. L9 ;@9 @á6 @ <8 678<9< 6K;8 86 49 449@9<9 IBC -I:8;9:794 B567866 C@p9,* =58 67g79 @p99 <8 8g76 7:8;9794. E6:8 :7p <8 678<9< 876:8 p;á:79@8:8 8 :<96 496 >5;76<7786 6K;8* 67 ?78 8 13
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SUCURSALES DE BANCAS EXTRANJERAS EN MÉXICO
B9@8;* <84 86p94 BBVA B99@8* <84 86:9<57<868 C7:7g;5p S9:9<8;* <8 65 K@7@ 7?;7 HSBC* <84 7g46 <8 7g594 @?;8* S:79?9W* <84 99<7868 TK8 B9W N9 S:79.
/UÉ TRATAMIENTO HAY EN LAS BANCAS DE EEUU4 CANAD0 Y MÉXICO CONFORME AL TRATADO DE LIBRE COMERCIO1 T'aa!$ !" L*5'" C$("'c*$ !" A(+'*ca !"l N$'" Ca67ul$ XIV S"'8*c*$# F*%a%c*"'$# A;:54 1+01. '@?7: <8 9p4797 8:867 <8 496 ?47g9786 A;:54 1+02. O;g976@6 ;8g549<;86 95:@6
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C BANCO INTERNACIONAL DE RECONSTRUCCI,N Y FOMENTO E6 59 <8 496 7 76:7:5786 =58 7:8g;9 84 G;5p <84 B9 M5<794. E4 B9 I:8;9794 D8 R86:;57 Y F@8: -BIRF, 86 59 ;g97J97 7:8;9794 59 @767 ;7g794 8;9 979; 49 ;86:;57 <8 46 p9686 <896:9<6 p; 49 S8g5<9 G58;;9 M5<794 -E5;p9 $9p,* 5 @9<9: 9<7794 <8 @8:9; 84 ;87@78: 8@7 8 46 p9686 8 96 <8 <869;;44 8 ';79* A679 A@;79 L9:79. E 49 9:5947<9< 65 @767 68 K9 8:;9< 8 49 45K9 :;9 49 p?;8J9 9 :;96 <84 979@78: <8 E6:9<6. S5 p8;97 68 @9:788 @8<79:8 p9g6 ;8g549<6 p; 656 E6:9<6 @78@?;6. L9 947<9< <8 86:8 ;g976@ 978; 7:8;9794 68 p58<8 86p879; 8 :;86 8>86 1!
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LAS OPERACIONES BANCARIAS INTERNACIONALES CAMBIO DE DIVISAS S8 449@9 9@?7 <8 @8<9 8 g88;94 9 594=578; p8;97 p; 49 =58 5 ?7448:8* K8=58* <8p67:* p;6:9@ 594=578; :; p;<5:* 76:;5@8: 978; @8<7 <8 p9g p969 <8 68; 8p;869< 8 59 <8:8;@79<9 <7769 9 86:9; 8 59 <7769 <78;8:8. C9<9 p96 ;8p;868:9 84 <78; =58 p688 8 59 57<9< @8:9;79. L9 57 =58 ;8p;868:9 869 57<9< @8:9;79 8 84 7:8;7; <84 p96 68 <88 @ @8<9 -<49;* ;9* p86* 85;* 8:.,. S7 8@?9;g* 869 @76@9 @8<9 68 78;:8 8 <7769 59< ;8p;868:9 59 57 <78;9;79 8 :; p96 <78;8:8. E 49 p;á:79* 46 ?7448:86 68 67<8;9 <77696* 9 =58 68 5:747J9 p9;9 88:59; :;969786 8 84 @8;9< <8 <77696 -46 <6 68 @588 68 :;9@7:9 @8<79:8 :;968;8796 848:;796,. D8 K8K* 496 <77696 68 ;8p;868:9 8 594=578; @8<7 <8 p9g 88p: 8 ?7448:86. A6* 68;9 p8;9786 <8 9@?7 <8 @8<9* p8; @á6 ;8:9@8:8 9@?7 <8 <77696 84 9? 8 59 58:9 8 85;6 <8 59 :;968;879 ;87?7<9 8 <49;86 84 p9g 8 85;6 <8 5 K8=58 8@7:7< 8 886* 46 p9g6 :9;>8:9 8 84 8:;9>8; 58;9 <8 49 J9 85;* 8:. S p8;9786 ;84979<96 <78; 67. H9 =58 :88; 8 58:9 =58 95=58 49 @9; p9;:8 <8 496 8:7<9<86 ?99;796 ;88 84 68;77 <8 9@?7 <8 @8<9 :788 ?47g97 <8 K98;4. L9 p;86:97 <8 86:8 68;77 86 47?;8* @ 49 <8 46 <8@á6 68;776 ?99;76.
CRÉDITO DOCUMENTARIO 21
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T*6$# !" c'+!*$# !$cu("%a'*$# 1. R89?48 7;;89?48 R89?48 86 9=54 =58 <86p56 <8 65 9p8;:5;9 9:86 <8 K9?8; p;8<7< 94 p9g* 84 7@p;:9<; p58<8 9549;4 8 594=578; @@8: 9 65 47?;8 45:9<* p; 4 =58 49 68g5;7<9< =58 ;88 86 @5 ;8<57<9. I;;89?48 86 9=54 =58 59 8J 9?78;: 9 68 p58<8 9849;* 4 =58 g9;9:7J9 94 8p;:9<; =58 67 49 <5@8:97 p;868:9<9 86 ;;8:9* 9 9 ?;9; 65 8:9. 2. C;@9< E6 86:8 96 5 :8;8; ?9 -;@94@8:8 5 ?9 7:8;9794 <8 p;7@8;9 49, g9;9:7J9 84 5@p47@78: <84 p9g 8 84 65p586: <8 =58 84 ?9 <84 7@p;:9<; 4 K778;9. 22
3. A 49 76:9 9 p49J A 49 76:9 84 p9g <8 49 p8;97 86 94 :9<* p; 4 =58 8 84 @@8: <8 p;868:9; 49 <5@8:97 84 ?9 <84 7@p;:9<; p;8<8 94 p9g. A p49J 84 p9g <8 49 p8;97 86 9p49J9<* p; 4 =58 59 8J 8:;8g9<9 49 <5@8:97 K9 =58 86p8;9; 94 :;965;6 <84 p49J 9;<9< p9;9 ;87?7; 84 7@p;:8 <8 49 8:9.
BIENES GARANTKAS Y AVALES Y FINANCIAMIENTO DEL COMERCIO EXTERIOR L6 99486 g9;9:96 ?99;796 7:8;979486 6 p;<5:6 8@7:7<6 p; 496 8:7<9<86 978;96 -g9;9:86, 9 p8:77 <8 656 8@p;8696 478:86* 8 7;:5< <8 46 59486 496 p;7@8;96 ;86p<8 <8 46 @p;@766 @8;79486 978;6 9<=57;7<6 p; 496 68g5<96 8 656 p8;9786 7:8;979486. L6 99486 68 7;p;9 94 <5@8: 978; 88: @8;794 5:747J9< 8 <7K96 p8;9786 8 84 8:8;7; @78:;96 =58 496 g9;9:96 68 8@7:8 8 <5@8:6 9p9;:8. E g88;94* p9;9 49 8@767 <8 5 994 g9;9:9 K9 <8 65@776:;968 49 67g578:8 7;@97 p9;:86 7:8;778:86 49 ;8497 8:;8 9@?96* 7@p;:8 p9g9<8; -@á7@,* <5@8:97 =58 K9 <8 p;868:9;68 8 7<7@9 5:747J9<* 8K96 <8 8@767 87@78: <8 49 p8;97* :;@76 p9;9 87g7; 84 p9g* ;86p69?48 <84 p9g* ;88;879 <8 49 p;p79 g9;9:9 :;9g9;9:9* 8:;8 :;6.
T*6$l$7a# E 57 <8 49 ;86p69?747<9< <84 ?9 8@76; <84 994[g9;9:9* p<8@6 <76:7g57; 8:;8 g9;9:9 <7;8:9 <<8 84 ?9 8@7:8 49 g9;9:9 <7;8:9@8:8 9 9; <84 ?8879;7 8 7<7;8:9 -:;9g9;9:9, <<8 876:8 5 ?9 :;9g9;9:8* 67:59< 8 84 @8;9< <84 ?8879;7* =58 9:59< @ 7:8;@8<79;7 g9;9:7J9 94 ?9 g9;9:8. E 96786* 49 7:8;87 <84 :;9g9;9:8 p58<8 87; 86:7p549< p; 49 ;8g5497 <84 @8;9< <8 <86:7 [ 59< 84 ?8879;7 86 5 ;g976@ p?47. P; :;9 p9;:8* 8 84 @8;7 7:8;9794 86 @á6 ;858:8 49 5:747J97 <8 g9;9:96 9 p;7@8; ;8=58;7@78:. E 496 g9;9:96 9 p;7@8; ;8=58;7@78: 84 p9g <8;79< <8 49 8>857 <8 49 g9;9:9 :788 45g9; 59< 49 8:7<9< g9;9:8 ;87?8 49 ;;86p<78:8 6477:5< p; 86;7: 94g <5@8: 86:9?487< 8 :8: <8 49 g9;9:9 9<8@á6 6 g9;9:96 7;;89?486 8 7:;968;7?486* 9 @86 =58 68 7<7=58 4 :;9;7 8 84 @@8: <8 65 8@767. 23
A8al"#a'a%7a# (# u*l*a!$# "% la# $6"'ac*$%"# *%"'%ac*$%al"# G9;9:9 <8 477:97. D86:79<9 9 g9;9:7J9; =58 49 8@p;869 8p;:9<;9 @9:8<;á 49 8;:9 p;868:9<9 8 5 p;86 <8 477:97 =58* 8 96 <8 ;8654:9; 9<>5<79:9;79* ;@9;á 84 ;;86p<78:8 :;9: ?969< 8 496 <7786 86:9?487<96 8 <7K9 8;:9. E6:8 :7p <8 g9;9:9 86 87g7<9 @5K96 886 p; 46 ;g976@6 477:9<;86 p9;9 p9;:77p9; 8 5;66 477:9786 p?4796. A67@76@* 65848 8@7:7;68 84 @p;@76 <8 49 8@p;869 <8 =58 67 ;8654:968 9<>5<79:9;79 ;<89;á 49 8@767 <8 59 g9;9:9 <8 ?589 8>857 -968 @á6 9?9>,. S5 7@p;:8 8=57948 9 5 <8:8;@79< p;8:9>8 <84 94; <8 49 8;:9 p;868:9<9 p; 84 8p;:9<;. G9;9:9 <8 ?589 8>857. S5 947<9< 86 g9;9:7J9; 84 5@p47@78: <8 496 ?47g9786 :;9<96 p; 84 8p;:9<; -5@p47@78: <8 p49J6* 947<9<86* 9498 <8 46 65@776:;6* 8:., 8 5 :;9: =58 68 48 K99 9<>5<79<* g88;94@8:8* p9;9 84 65@776:; <8 <8:8;@79<6 ?7886 <8 8=57p p9;9 49 ;8947J97 <8 59 ?;9[6:;57. S5 6:8 68 94549 9p479< 5 p;8:9>8 94 94; <84 p;8: 5 ?>8: <8 :;9:97. G9;9:9 <8 @9:87@78:. T788 p; ?>8: 5?;7; 94 @p;9<; 8:;9>8; <8 p67?486 <88:6 8 49 ?;9 84 ?78 <8 8=57p 9<=57;7<* 96 @ <84 75@p47@78: <84 :;9: <8 @9:87@78: p; p9;:8 <84 8p;:9<;. G9;9:9 <8 ;8:87. S5 56* @á6 ;85879 8 p;8:6 <8 6:;57* 7@p479 49 ;8:87 <8 59 p9;:8 <84 7@p;:8 <84 :;9: @ g9;9:9 :;9 <88:6 54:6. S8 :;9:9 <8 59 g9;9:9 <86:79<9 9 5?;7; 9 46 :;9:9:86 ;8:8 9 p67?486 <88:6 54:6 8 496 ?;96 p;8:6 <8 6:;57. G9;9:9 <8 ;88@?46 <8457 <8 9:77p. S5 947<9< 86 ;86p<8; 9 49 <8457 <8 5 9:77p 8:;8g9< p; 84 7@p;:9<;* 59< 84 8p;:9<; 75@p49 656 ?47g9786 - ;89478 49 8:9 8 496 <7786 9;<9<96,. S5 7@p;:8 8=57948 94 94; <84 9:77p. C9;:9 <8 ;<7: 6:9< ?. T788 p; 947<9< 69:7698; -p; p9;:8 <8 49 8:7<9< 978;9 g9;9:8, 84 7@p;:8 <8 59 @p;98:9 7:8;9794 94 8p;:9<; 59< 84 7@p;:9<; K9g9 ;8:8 94 p9g. S8 :;9:9;9 <8 59 g9;9:9 9 p;7@8; ;8=58;7@78:* =58 9<8@á6 p58<8 68; ;@9<9 p; 5 ?9 ;@9<; 4947J9< 8 84 p96 <84 8p;:9<;* 6?;8 :< 59< 84 ?9 g9;9:8 -?9 <84 7@p;:9<;, 86 59 8:7<9< <8 p;7@8;9 489 84 ;786gp96 86 8489<.
FINANCIAMIENTO DEL COMERCIO EXTERIOR
2+
E 496 p8;9786 <8 @8;7 8:8;7; 9?8 =58 :9: 84 8p;:9<; @ 84 7@p;:9<; 6477:8 979@78:.
9. F*%a%c*ac*?% !"l "6$'a!$'. S8 <76:7g58 <6 9686 6568p:7?486 <8 9797 a D86<8 =58 68 ;87?8 84 p8<7< K96:9 =58 68 8:;8g9 49 @8;99* =58 7458 ?á679@8:8 84 p8;7< <8 9?;797. L9 9797 6:9 p;7@8;9 968 68 <8@79 p;89797 <8 8p;:9786 64 68 65848 6477:9; 59< 49 9?;797 <84 p8<7< ?47g58 94 8p;:9<; 9 ;8947J9; 58;:86 <868@?466 :8g9 59 <5;97 67<8;9?48. 5 D86<8 =58 68 8:;8g9 49 @8;99 K96:9 =58 68 ?;9* 9 =58 ;@94@8:8 86:96 p8;9786 68 ?;9 94 :9<* 67 =58 p; ;9J86 @8;79486 68 65848 8<8; 94 7@p;:9<; 78;: 9p49J9@78: 8 84 p9g. L9 9797 8 6:9 68g5<9 968 68 <8@79 p6:9797 <8 8p;:9786. 2. F*%a%c*ac*?% !" *(6$'ac*$%"# E4 7@p;:9<; p58<8 6477:9; 9 65 ?9 9797 <8 49 @p;9 ;8947J9<9 59<
a T788 =58 p9g9; 94 :9< <76p8 <8 46 <6. E4 7@p;:9<; :788 =58 p9g9; 49 @p;9 8 84 @@8: <8 ;87?7;49* p8; 4 9:86 <8 p<8; 8<8;49 589@8:8 :8<;á =58 849?;9;49 * 67 68 :;9:9 <8 5 p;<5: 94* p58<8 =58 48 4488 94g :78@p 65 8:9 65 p6:8;7; ?;. E6:8 p8;7< -84 =58 68 @8<79 8:;8 84 @@8: =58 :788 =58 p9g9; 65 @p;9 84 @@8: =58 9 9 ?;9; 65 p6:8;7; 8:9, 86 84 =58 :;9:9;á <8 979;. 5 D8658: p; p;: p9g. E4 8p;:9<; p58<8 8<8; 94 7@p;:9<; 5 9p49J9@78: 8 84 p9g* p8;* 94:8;9:79@8:8* :9@?7 48 p58<8 ;88; 5 <8658: 67 p9g9 94 :9< -<8658: p; p;: p9g,. S7 86:8 <8658: 86 65p8;7; 94 6:8 <8 49 9797 =58 :8<;9 =58 6477:9; 84 7@p;:9<; p9;9 p<8; p9g9; 94 :9<* 48 7:8;869;á p9g9; 94 :9<.
CONCLUSIONES E4 8g7 ?99;7 :788 78;: @8; <8 9:;7?5:6 =58 p58<8 p:8794@8:8 g88;9; 786:9?747<9<* p9;9 @8g59; 8 7456 87:9; <7K6 ;786g6* 86 p; 86:96 ;9J86 =58 M7 K9 86:9?487< g;9<594@8:8 76:7:5786 ;8g549<;96 <84 2
g?78; 8<8;94 =58 :788 49 947<9< <8 87:9; p;á:796 ?99;796 =58 p5<7868 <57; 9 59 ;7676 g88;947J9<9 <84 676:8@9 <8:; <84 p96 656 88:6 49:8;9486 8 84 @8;9< 978; 7:8;9794* @ 658<7 8 49 ;7676 978;9 =58 65;7 84 p96 8 1##+ <<8 6477: 49 7:8;87 9p <84 F< M8:9;7 I:8;9794. P; :;9 p9;:8 496 8@78<96 p;p67:6 <84 B9 M5<794 68 K98 p;868:86 9794 8 7:8;9794@8:8 656 7@p;:9:86 7:8;8786 @8<79:8 94g596 <8 496 7 76:7:5786 =58 4 7:8g;9* @ 46 6 E4 B9 I:8;9794 <8 R86:;57 F@8: L9 C;p;97 F7978;9 I:8;9794 p; 8>8@p4* 67 <8>9; <8 @879; =58 <8 496 59486 586:; p96 :9@?7 48 K9 ;8=58;7<. P; 4:7@ 86 <8 ?68;9;68 <8:; <84 p;86 <8 g4?947J97 8@9 <8 @8;9< =58 8p8;7@8:9@6 9 784 @5<794 =58 K 8 <9 ;8654:9 7@p;867<7?48 :9: p9;9 49 ?99 @8799 @ 49 8:;9>8;9 p;@8; 9747:9; 84 @8;7 7:8;9794. L9 8p;:97 8 7@p;:97 <8 ?7886 <<8 84 @p;9<; 68 67:9 8 5 p96 84 8<8<; 8 :; ;89 @:76 <8 g;9 p;85p97 8 78;:7<5@?;8 <8?7< 94 <867@78: <8 46 :;9:9:86* 496 <78;8:86 48g7649786 @8;9:7486* 46 :7p6 <8 9@?7 84 :;4 <8 <77696* 8:;8 :;6 9:;86 p; 4 =58 46 p9686 67g58 ;:9487<68 @8<79:8 49 8g797* ;@947J97 9<@776:;97 <8 46 :;9:9<6 958;<6 7:8;979486 <8 @8;7 8 78;67.
FUENTES DE INVESTIGACI,N LEY ORG'NICA DE LA ADMINISTRACIÓN P"BLICA FEDERAL LEY DE LA COMISIÓN NACIONAL BANCARIA Y DE VALORES LEY DE INSTITUCIONES DE CR%DITO SISTEMA DE INFORMACIÓN SOBRE COMERCIO EXTERIOR 2Q
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