Bibliographic citations
Araujo, R., Velasco, R. (2016). Prevención de lavado de activos y del financiamiento del terrorismo en las cooperativas de ahorro y crédito del Perú. [Trabajo académico, Universidad Nacional de San Martín. Fondo Editorial]. http://hdl.handle.net/11458/2422
Araujo, R., Velasco, R. Prevención de lavado de activos y del financiamiento del terrorismo en las cooperativas de ahorro y crédito del Perú. [Trabajo académico]. PE: Universidad Nacional de San Martín. Fondo Editorial; 2016. http://hdl.handle.net/11458/2422
@misc{renati/1058679,
title = "Prevención de lavado de activos y del financiamiento del terrorismo en las cooperativas de ahorro y crédito del Perú.",
author = "Velasco Upiachihua, Roger",
publisher = "Universidad Nacional de San Martín. Fondo Editorial",
year = "2016"
}
The laundering of assets is the set of operations carried out by one or more natural or legal persons, tending to hide or disguise the illicit origin of goods or resources that come from criminal activities. The crime of money laundering usually takes place through the execution of several operations, aimed at covering up any trace of the illicit origin of the resources. The fundamental objective of Money Laundering is to give legality to the proceeds of illicit activities carried out by criminal organizations, which seek to enter these resources into the flow of the economy in order to conceal their origin and integrate it into the legal economic system . The laundering of assets generates distortions in the economy and causes imperfections in the financial markets and fundamental goods, indirectly generates imperfections in the labor market, which ultimately lead to macroeconomic imbalances in fiscal and exchange, distorting the results of real activity of the economy. These market failures must be corrected by the State to minimize the macroeconomic effects and costs associated with such imperfections, in order to achieve better rates of economic growth and social development. Terrorist financing is any form of economic action, aid or mediation that provides financial support to the activities of terrorist elements or groups. Although the primary objective of terrorist groups is not financial, they require funds to carry out their activities, which may originate from legitimate sources, criminal activities, or both (http://sbs.gob.pe/0/modulos/JER /JER_Interna.aspx?ARE=0&PFL=2&JER=461) Terrorist activity is financed through both legitimate and illegitimate activities. Legitimate sources of funding in the past have provided opportunities, and still continue, for the maintenance of viii terrorist organizations. These legitimate sources range from commercial ventures to charitable works. Among the illegitimate sources that contribute to the economic maintenance of terrorism: the most profitable is drug trafficking, but other equally profitable are trafficking in people, product counterfeiting, kidnapping and extortion. In response to growing concerns about money laundering and terrorist activities, the international community has taken action in a number of areas. The international reaction has largely been to recognize the fact that money laundering and terrorist financing take advantage of international high-speed transfer mechanisms, such as electronic remittances, to achieve their ends. Therefore, concerted transnational co-operation and coordination are required to thwart the plans of criminals and terrorists. The Peruvian State, in accordance with the international agreements on combating money laundering and the financing of terrorism, of which it is a signatory, has created the necessary institutions and procedures in order to have the relevant laws for its action in this area. countryside. In this way, it has promulgated the Criminal Law against Money Laundering (Law No. 27765); Decree Law No. 25475, which establishes the penalty for terrorist offenses and the procedures for police investigation, investigation and prosecution, as well as the protection measures it is obliged to provide to magistrates, members of the Public Ministry and auxiliaries of justice that intervene in these processes. The Regulation of Sanctions applicable to natural and legal persons supervised by the SBS was promulgated (SBS Resolution No. 816-2005). Likewise, by Law No. 27693, dated March 21, 2002, the Financial Intelligence Unit of Peru, also known as the UIF-Peru, has been created, regulating it through D.S. No. 163-2002-EF, D.S. No. 061-2002-EF D.S No. 018-2006-Jus, and incorporating it to the Superintendency of ix Banking, Insurance and Private Pension Funds Administrators (Law No. 29090) on June 11, 2007. Subsequently, the Complementary Norms for the Prevention of Money Laundering and Terrorism Financing (SBS Resolution No. 838-2008) and its amendment (SBS Resolution No. 11695-2008) are enacted. Finally, on July 1, 2015, Resolution No. 2660-2015 came into force, which terminates the previous resolution. The credit unions in Peru are not authorized to operate with public resources, only operate with their partners and are governed by the General Law of Cooperatives. However, the General Law of the Financial System and the Insurance and Organic System of the Superintendence of Banking and Insurance: Law No. 26702, in its Twenty-fourth Final and Complementary Disposition, in relation to the Savings and Credit Cooperatives establishes that they will be superv.
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