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Gestion De Riesgos Essay

5917 words - 24 pages

REGLAMENTO DE LA
GESTIÓN INTEGRAL DE RIESGOS

CAPÍTULO I

DISPOSICIONES GENERALES

Artículo 1º.- Alcance
El presente Reglamento será de aplicación a las empresas señaladas en los artículos 16° y 17° de la Ley General, así como a las Administradoras Privadas de Fondos de Pensiones (AFP), en adelante empresas.

También será de aplicación a las Cajas Municipales de Ahorro y Crédito (CMAC), la Caja Municipal de Crédito Popular, el Fondo de Garantía para Préstamos a la Pequeña Industria (FOGAPI), el Banco de la Nación, el Banco Agropecuario, la Corporación Financiera de Desarrollo (COFIDE), el Fondo MIVIVIENDA S.A., las Derramas y Cajas de Beneficios bajo control de la ...view middle of the document...

La vinculación se define en las Normas especiales sobre vinculación y grupo económico, aprobado mediante Resolución SBS N° 445-2000. Los accionistas principales son aquellas personas naturales o jurídicas que tienen la propiedad del cinco por ciento (5%) o más de las acciones de la empresa.
El director independiente de una empresa podrá ser director independiente de otras empresas de su grupo económico.
f) Evento.- Un suceso o serie de sucesos que pueden ser internos o externos a la empresa, originados por la misma causa, que ocurren durante el mismo periodo de tiempo.
g) Impacto.- La consecuencia o consecuencias de un evento, expresado ya sea en términos cualitativos o cuantitativos. Usualmente se expresará en términos monetarios, como pérdidas financieras. También es llamado severidad.
h) Manuales de gestión de riesgos.- Documentos que contienen las funciones, responsabilidades, políticas, metodologías y procedimientos dispuestos para la identificación, evaluación, tratamiento, control, reporte y monitoreo de los riesgos de la empresa.
i) Manuales de organización y funciones.- Documentos que detallan la estructura orgánica de la empresa, los objetivos y funciones de sus unidades, así como las obligaciones y responsabilidades de su personal.
j) Manuales de políticas y procedimientos.- Documentos que contienen funciones, responsabilidades, las políticas, metodologías y procedimientos establecidos por la empresa para la realización de las actividades de cada una de las unidades con las que cuenta, incluyendo las que corresponden a la gestión de riesgos.
k) Probabilidad.- La posibilidad de la ocurrencia de un evento que usualmente es aproximada mediante una distribución estadística. En ausencia de información suficiente, o donde no resulta posible obtenerla, se puede aproximar mediante métodos cualitativos.
l) Proceso.- Conjunto de actividades, tareas y procedimientos organizados y repetibles que producen un resultado esperado.
m) Riesgo.- La condición en que existe la posibilidad de que un evento ocurra e impacte negativamente sobre los objetivos de la empresa.
n) Seguridad razonable.- Se refiere al nivel de seguridad que una empresa puede tener en alcanzar sus objetivos, considerando que siempre es posible que se produzcan desviaciones o impactos financieros importantes que no sean prevenidos o detectados, dada la incertidumbre inherente al futuro.
o) Subcontratación.- Modalidad de gestión mediante la cual una empresa contrata a un tercero para que éste desarrolle un proceso que podría ser realizada por la empresa contratante.
p) Superintendencia.- Superintendencia de Banca, Seguros y Administradoras Privadas de Fondos de Pensiones.
q) Tolerancia al riesgo.- El nivel de variación que la empresa está dispuesta a asumir en caso de desviación a los objetivos empresariales trazados.
r) Política y Procedimientos de Cumplimiento Normativo: Documento aprobado por el Directorio en el que se establece la función de cumplimiento...

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