Bibliographic citations
This is an automatically generated citacion. Modify it if you see fit
Valverde, Y., (2023). La compensación de deudas bancarias sobre las cuentas de ahorros de los consumidores [Trabajo académico, Pontificia Universidad Católica del Perú]. http://hdl.handle.net/20.500.12404/24706
Valverde, Y., La compensación de deudas bancarias sobre las cuentas de ahorros de los consumidores [Trabajo académico]. PE: Pontificia Universidad Católica del Perú; 2023. http://hdl.handle.net/20.500.12404/24706
@misc{renati/13564,
title = "La compensación de deudas bancarias sobre las cuentas de ahorros de los consumidores",
author = "Valverde Velasquez, Yajahira Milushka",
publisher = "Pontificia Universidad Católica del Perú",
year = "2023"
}
Title: La compensación de deudas bancarias sobre las cuentas de ahorros de los consumidores
Authors(s): Valverde Velasquez, Yajahira Milushka
Advisor(s): Ledesma Orbegozo, Wendy Rocío
OCDE field: https://purl.org/pe-repo/ocde/ford#5.05.01
Issue Date: 18-Apr-2023
Institution: Pontificia Universidad Católica del Perú
Abstract: El presente informe tiene como finalidad analizar la figura de la compensación
como un mecanismo de extinción de las obligaciones que usan actualmente los
Bancos para disponer de los activos de las cuentas de ahorros de sus usuarios
y con esto extinguir total o parcialmente la deuda que tienen sus clientes con
dicha Entidad Financiera. No obstante, como se verá en el desarrollo del
presente trabajo, esta práctica resulta desfavorable para los usuarios ya que
las cuentas de ahorros de las que se dispone su dinero –en su mayoría– son
cuentas a través de las cuales estos usuarios reciben su remuneración por
parte de su empleador, figura jurídica que se encuentra legalmente protegida y
sobre la cual entraremos a cuestionar respecto de la libre disposición del dinero
que hace el Banco. Por consiguiente, planteamos la forma en la que la SBS,
dentro de la situación actual, podría intervenir en esta problemática constante
que se establece entre el consumidor y las entidades financieras.
The purpose of this report is to analyze the figure of compensation as a mechanism for extinguishing the obligations that Banks currently use to dispose of the assets of their users' savings accounts and with this, totally or partially extinguish the debt that their banks have. customers with said Financial Entity. However, as will be seen in the development of this work, this practice is unfavorable for users since the savings accounts from which their money is available are –for the most part– accounts through which these users receive their remuneration. by your employer, a legal figure that is legally protected and about which we will question the free disposal of the money made by the Bank. Therefore, we propose the way in which the SBS, within the current situation, could intervene in this constant problem that is established between the consumer and the financial entities.
The purpose of this report is to analyze the figure of compensation as a mechanism for extinguishing the obligations that Banks currently use to dispose of the assets of their users' savings accounts and with this, totally or partially extinguish the debt that their banks have. customers with said Financial Entity. However, as will be seen in the development of this work, this practice is unfavorable for users since the savings accounts from which their money is available are –for the most part– accounts through which these users receive their remuneration. by your employer, a legal figure that is legally protected and about which we will question the free disposal of the money made by the Bank. Therefore, we propose the way in which the SBS, within the current situation, could intervene in this constant problem that is established between the consumer and the financial entities.
Link to repository: http://hdl.handle.net/20.500.12404/24706
Discipline: Derecho Administrativo
Grade or title grantor: Pontificia Universidad Católica del Perú. Facultad de Derecho
Grade or title: Segunda Especialidad en Derecho Administrativo
Register date: 18-Apr-2023
This item is licensed under a Creative Commons License