Cartas Fianzas emitidas por cooperativas no autorizadas por SBS

8/10/2019 Cartas Fianzas emitidas por cooperativas no autorizadas por SBS

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2/17

ANTECEDENTES

2

La Contraor!a G"n"ra #CGR$ "%"r&" " &ontro '()"rna*"nta+(" &on,-,t" "n a ,(."r/-,-n /-'-an&-a /"r-3-&a&-n " a,o."ra&-on", " a a*-n-,tra&-n .5)-&a "ntr" otro, a,."&to,

"n at"n&-n a 'rao " &(*.-*-"nto " a, nor*a, "'a",6 S"r"a-7a .r-n&-.a*"nt" *"-ant" a&&-on", " &ontro &on&ar8&t"r ,""&t-/o .o,t"r-or6

La " " &ontrata&-on", " *an"ra r"-t"raa ",ta)"&" +(" a,'arant!a, +(" ")"n otor'ar o, &ontrat-,ta, "n a &ontrata&-n.5)-&a .(""n ,"r &arta, 3-an7a, "*-t-a, .or "*.r",a,

"ntro " 8*)-to " ,(."r/-,-n " a S(."r-nt"n"n&-a "Ban&a S"'(ro, A*-n-,traora, Pr-/aa, " Fono, "P"n,-on", o ",tar &on,-"raa, "n a 5t-*a -,ta " )an&o,"9tran%"ro, " .r-*"ra &at"'or!a .()-&aa .or " Ban&o C"ntra

" R","r/a6


3/17

ANTECEDENTES

3

La F""ra&-n Na&-ona " Coo."rat-/a, " A:orro Cr;-to " P"r5 >@ @1 .ara o,

&orr"&t-/o, r",."&t-/o,6


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14/17

OBSERVACIONES RECURRENTES

14

Co*o r",(tao " a, -nt"r/"n&-on", " a CGR a, -rr"'(ar-a",*8, 3r"&("nt", +(" ," :an -"nt-3-&ao ,on

La a*-n-,tra&-n " a "nt-a a&".t "n " *ar&o " o,.ro&",o, " ,""&&-n " )-"n", ,"r/-&-o, ( o)ra, &arta, 3-an7a,"*-t-a, .or &oo."rat-/a, no ,(."r/-,aa, .or a SBS6

In"%"&(&-n " &arta, 3-an7a, "*-t-a, .or &oo."rat-/a, no

,(."r/-,aa, .or a SBS ant" " -n&(*.-*-"nto &ontra&t(a " o,&ontrat-,ta, o&a,-onano ."r%(-&-o "&on*-&o a E,tao6

In"%"&(&-n " &arta, 3-an7a, "*-t-a, .or &oo."rat-/a, no

,(."r/-,aa, .or a SBS .or n"'at-/a " ;,ta, no ."r*-t-"nor"&(."rar o, a"anto, otor'ao, a o, &ontrat-,ta, &on "&on,-'(-"nt" ."r%(-&-o "&on*-&o a E,tao6


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INCIDENTES DETECTADOS

15

S" -"nt-3-&aron &a,o, "n o, +(" a, "nt-a", t(/-"ron +(" a&".tar &arta,3-an7a, "*-t-a, .or &oo."rat-/a, no ,(."r/-,aa, .or a SBS ant" *"-a,&a(t"ar", "*-t-a, .or -n,tan&-a, %(r-,-&&-ona", a 3a/or " -&:a,&oo."rat-/a,6

COOPE -nt"r.(,o "n D-&62011 (na a&&-n " a*.aro ant" " Po"r J(-&-a aa SBS Contraor!a G"n"ra Or'an-,*o S(."r/-,or " a, Contrata&-on", "E,tao < OSCE ,o-&-tano +(" no ," " a.-+(" " Co*(n-&ao ,n "*-t-o "

6O&t62011 .or a SBS ," r",t-t(a o, "r"&:o, " COOPE ,(, 3-an7a,"*-t-a, a ,(, ,o&-o, .or *onto, .a7o, "t"r*-nao, ,"an /8-a, ant" a&".taa, .or " OSCE a CGR6 E 226O&t6201 "&ar -n3(naa a"*ana6

COOPE CACFG "*anaron ant" " Po"r J(-&-a a OSCE .ara +(" ," ",-n&or.or" "n a -,ta " "nt-a", a(tor-7aa, .ara "*-t-r &arta, 3-an7a, .ant"aron (na *"-a &a(t"ar +(" 3(" a*-t-a ."r!oo (rant" " &(a-&:a, &oo."rat-/a, "9-'!an a a, "nt-a", a a&".tar ,(, &arta, 3-an7a,6F-na*"nt" " %(7'ao ",",t-* ta "*ana6


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17/17

RECOMENDACIONES DISPUESTAS

17

Ka&"r " &ono&-*-"nto " a &-(aan!a ,o)r" " tra)a%or"a-7ao .or a CGR o, r",(tao, "n " t"*a " a,&arta, 3-an7a,6

Ka&"r " &ono&-*-"nto " a SBS .ara a, a&&-on", +(" "&o*."t"n "n at"n&-n a ,( ro " ,(."r/-,-n &ontro aa, 3""ra&-on", " &oo."rat-/a, a,! &o*o " r"'(a&-n

" a, o."ra&-on", " a, &oo."rat-/a, " a:orro6

C(r,ar &o*(n-&a&-n a OSCE .ara +(" t"n'a "n &("nta

"n " an8-,-, " .ro"&to " r"'a*"nto " a " "&ontrata&-on", +(" ," /-"n" "a)orano a,! &o*oao.t" a, *"-a, +(" ",t-*" ."rt-n"nt", "n " *ar&o" ,(, &o*."t"n&-a,6

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Cartas Fianzas emitidas por cooperativas no autorizadas por SBS