Pensiones

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TEMA:

Análisis del Modelos de supervisión

Jefry Guerrero Pérez

Para empezar se puede destacar que el modelos de supervisión actual es un modelo muy nuevo, el cual entre sus objetivos es alcanzar un modelo integrado que permita observar los mas altos estándares en las administración de las carteras mancomunadas, de esta manera se puede resguardar los interés de los afiliados delsistemas de pensiones, promover sanas prácticas de administración de riesgo y fomento de la “Supervisión Consolidada”.

Para cual la mejor manera de mantener esa seguridad en los fondos es invertir basándose en lo riesgos los cuales se pueden calificar en varios tipos de riesgos

? Riesgo de mercado:

Perdida potencial por los cambios en los factores, los títulosvalores en los cuales invierten, se deme tomar en cuanta que el proceso es total mente transparente por lo cual las inversiones se deben tomar con el objetivo de recibir cierta ganancia y no perdida en el fondo

? Riesgo de Crédito:

En este caso el riesgo esta en que la otra parte pierda la capacidad de de pagar la deuda e incumpla con su obligación lo cual afectaríala calidad de l crédito para eso se debe tomar medida crediticias para así evitar dicha situación.

? Riesgo de liquidez:

En lo que se refiere al riesgo de liquides se pueden ver en tres puntos de vista, la primera es cuando se da una perdida muy gran de lo cual impide la recuperación, la otra se puede dar en la obligación de rematar los bienes para así obtener unpoco de liquidez y por ultimo seria cuando se le permite a las administradoras invertir en fondos no seguros, en cuanto a que les limite la liquidez

? Riesgo operacional:

Se da cuando el problema o el fallo ocurre por un proceso mal ejecutado o bien problemas con el sistema el cual se maneja la administradora.

? Riesgo legal:

Este sedebe manejar des el punto de vista que no solo los abogados lo tengan presente sin o también en cuanto a la gestión de los recursos.

Desde el punto de vista regulatorio la normativa se debe contemplar la existencia de un comité de inversiones, con un miembro independiente de la identidad así como un comité de riesgo, con un miembro externa.

Se obliga a llevar actas en libros, esto permiteuna mayor facilidad para conexión directa con la superintendencia, lo cual implica contar con equipo informático

La unidad de administración integral de riesgo

Es la encargada de llevar la gestión de riego de la entidad, por lo cual es la encargada de desarrollar métodos para la medición de riesgos, lo cual ayuda al comité de inversiones a tomar decisiones.

El comité de inversiones es elencargado de velar por las políticas de inversión, por lo cual debe de contar con un manual para administración de riesgos.

Etapas del modelo de supervisión

1. Se identifican los riesgos relacionados con los procesos.

2. Ya identificados, se define cual normativa se va a aplicar para su control.

3. Se procede a medir los riesgos, para eso se generan modelos preventivos paramedir el riesgo, para as identificar el problema de la operadora para asi enfocarse en ese punto en especial.

4. Se le da seguimiento por parte del supervisor para indagar que tan profundo fue el problema.

Información diaria

La información de las operadoras deben ser enviado a el supervisor con el conteniendo de toda la información contable de los fondos y cuentas, esto se debe hacer enforma diaria pero hay un desfase de día y medio para hacer el traslado dela información

Esta información es enviada en reportes, uno que contiene solo la composición del valor cuota y tiene todas las cuantas que componen el valor cuota, otro que son los saldos contables , otro que es la parte patrimonial y el ultimo es sobre el volumen donde se inca cuanto aumento o cuanto disminuyo.

Esta…

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