trabajo de los sistema financiero

8/19/2019 Trabajo de Los Sistema Financiero

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UNIVERSIDAD ABIERTA PARA ADULTOSUAPA

ESCUELA DE CIENCIAS JURIDICAS Y POLITICAS

CARRERA DE DERECHO

SUSTENTANTE:YAMI CLARIBEL NÚÑEZ CABRERA

CARLOS ALBERTO REYES REYES

MATRICULA:09-362312-1144

MATERIA:

LEGISLACION MONETARIA Y FINANCIERA

TEMA:LAS OPERACIONES BANCARIAS

SUB-TEMA:LAS TARGETAS DE CREDITOS Y DE DEBITOS.

FACILITADOR:

LIC. HIDIAN MEDINA CASANOA

SANTO DOMINGO ESTE, R. D.FEBRERO, 2016


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INDICE

I. O!"#$%&'())))))))))))))))))))))))).. 1I.1 O!"#$%&' G#*#+,))))))))))))))))))))).. 1I.2 O!"#$%&'( E(#/%/'())))))))))))))))))).. 1

I.2 I*$+'//%*))))))))))))))))))))))).. 2I.3 P,*$#,5%#*$' # P+'!#5,)))))))))))))))).. 3I.4 F'+5,/%*))))))))))))))))))))))).. 4I. S%($#5,$%7,/%*)))))))))))))))))))))).

CAPIT8LO I.

I.1 OBETIOS.

I. 1.1 O!"#$%&' G#*#+,.

C'*'/#+ #$,,,5#*$# ' :# ('* ,( '#+,/%'*#( !,*/,+%,(; #* ,R#

C'*/(%*)))))))))))))))))))))))))..O%*%* P#+('*,)))))))))))))))))))))..).R#/'5#*,/%*))))))))))))))))))))))).B%!%'+,,)))))))))))))))))))))))).).


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4/25

CAPITULO I.

I. 1 OBJETIVOS

I. 1.1 Ob!"#$% G!&!'().

C'*'/#+ #$,,,5#*$# ' :# ('* ,( '#+,/%'*#( !,*/,+%,(; #* , R#

D'5%*%/,*,; = />#( ('* ,( */%'*#( # ,( $,+"#$,( # /+?%$' = #!%$'.

I.1.2 Ob!"#$%* E*+!#%*.

D#$#+5%*,+ ,( */%'*#( # ,( $,+"#$,( # /+?%$' = #!%$'.

I#*$%%/,+ />#( ('* ,( %#+#*$#( '#+,/%'*#( !,*/,+%,( #* , R#

D'5%*%/,*,.

I#*$%%/,+ , %#+#*/%, #*$+# /,, *, # #,(.

1


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I.2 INTRODUCCION

E +#(#*$# $+,!,"' *'( , , /'*'/#+; /'5' #($> /'5#($' # S%($#5, M'*#$,+%'

= F%*,*/%#+' # , R# /'*($%$%' =

/,*' #+'* /+#,, ,( !,*/,( #* *#($+' ,(. E (%($#5, 5'*#$,+%' =

%*,*/%#+' # *#($+' ,( #($> /'5#($' '+ , *$, M'*#$,+%,; # B,*/'

C#*$+, = , S#+%*$#*#*/%, # B,*/'.

L, S#+%*$#*#*/%, # B,*/' #( # +,*' 5,='+ # !,*/' C#*$+, *, # ((

*/%'*#( #( +#,%7,+ /'* #*, ,$'*'5, */%'*,; , (#+&%(%* # ,(

#*$%,#( # %*$#+5#%,/%* %*,*/%#+, /'* # '!"#$' # +%%/,+ # /5%5%#*$'

'+ ,+$# # %/,( #*$%,#( # ' %(#($' #* , #=; +#,5#*$'(; %*($+/$%&'( =/%+/,+#(.

E B,*/' C#*$+, #( *, #*$%,

%*,*/%#+,(; # ,/#+' /'* # +'+,5, 5'*#$,+%' ,+'!,' '+ , *$,

M'*#$,+%, = 5#%,*$# # (' # %*($+5#*$'( #($,!#/%'(. C'++#('*# , #($# ,

(#+&%(%* = %:%,/%* %*, # '( (%($#5,( # ,'(; ,( /'5' # 5#+/,'

%*$#+!,*/,+%'.

T,(, # I*$#+?( #( # +#/%' ,,' '+ * +#($,$,+%' ' #'+ , * +#($,5%($, '

,/+##'+ '+ # (' # '( +#/+('( +,*$# ,


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I./ PLANTEAMIENTO DEL PROBLEMA.

E +'!#5, #( :# #* , R#

(#+&%(%* !,*/,+%, /'*(%($, #* * 5'#' !,(,' #* /5%5%#*$'; #( #/%+;

#($,!, !%#* '!('#$'. S%* #5!,+'; , (#+&%(%* !,*/,+%, # ,/#+' , '(

#($>*,+#( '!,#( #($> !,(,, #* +%#('.

L,( $,+"#$,( # /+?%$' = #!%$' ,* %*/+#5#*$,' # #(,++'' %*,*/%#+' #* '(!,*/'(; ,* ,/%%$,' , #*$+,, # ,*,*/%, #* '( 5%(5'(; #+' #* ,*,(

'/,(%'*#( ,* %(5%*%' # %*+#(' ,+, '( $,+"#$,,!%#*$#(.

3

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I. FORMULACION.

C> #( , */%* # (%($#5, %*,*/%#+' #* , R#


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#. SISTEMATIACION.

C'*'/#+ ,( */%'*#( # (%($#5, %*,*/%#+' #* , R#


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CAPITULO II.

II.1 METODOS Y TECNICAS.

E (%%#*$# $+,!,"' # #&,' , /,!' , $+,&?( # *, %*($%,/%* '/5#*$,;%*,,*' ,( %+(,( #*$#( #(/+%$,( #%($#*$#( #* R#. D'5.; ('!+# ,

#%(,/%* 5'*#$,+%, = %*,*/%#+, &%#*$#.

6

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II.2 JUSTIFICACION.

L'( $#5,( +#,$%&'( , , #%(,/%* 5'*#$,+%, = %*,*/%#+, ('* # (5, +##&,*/%,

#* # >5!%$' ('/%,; #/'*5%/' = "+%/' # , *,/%*.

E* /,*$' , '( !,*/'( /'5' %*($%$/%'*#( $,*$'

#*/,+,* # ,(#+,+ * 5'&%5%#*$' #/'*5%/' :# #* ,( *'(# , '( $%#5'( 5'#+*'(.

E( %5'+$,*$# /%$,+ :# ,+, * 5,='+ = 5#"'+ (#+&%/%' # '( !,*/'(; # E($,'

'( /'*$+', = '+%#*$,; =, :# #(# '( %*$#+#(#( # '( ,+$%/,+#( ,( #+('*,(

*#/#(%$,* # , ,=, # * !,*/'; $,*$' ,+, ##/$,+ (( ,'( /'5' ,+,

'!$#*#+ '( */%'*,5%#*$'(; #( #/%+; :# #( %*/'*/#!%!# *, ,/$%&%,

#/'*5%/, = /'5#+/%, (%* *, /'*$,!%%,; '+,*%7,,; (%* , +#(#*/%, # *

B,*/'.

7

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II. / DISE3O METODOLOGICO.

E +'(%$' # #($, %*($%,/%* #( ,*,%7,+ '( /,5!%'( #* # 5'#' #

(#+&%(%* !,*/,+%, #* , R#!%/, D'5%*%/,*, , ,+$%+ # # , %+5, #

,/#+' S$,* B= /'* # F'*' M'*#$,+%' I*$#+*,/%'*, FMIJ. C'*/+#$,5#*$#; (#+#&%(,* '( %#+#*$#( %*($+/$%&'(; #=#(; *'+5,( = +#('/%'*#( :# +#,* , ,(

%*($%$/%'*#( # (#+&%(%* !,*/,+%, #* , R#

• T%' # I*($%,/%*K D'/5#*$,+%, = # /,5'.

P'!,/%* M#($+,K

8*%+(' '!,/%*K #+('*,( /'*($,,( #* # D%($+%$' = , P+'&%*/%, S,*$'

D'5%*';

O#+,/%'*,%7,/%* # , &,+%,!#K

• S%$,/%'*#( +#(#*$,,( #* *#($+, #%(,/%*• C'5,+,/%'*#(.• G#*#+,%,#(.

T?/*%/,( ' %*($+5#*$'( $%%7,'(K

• E*$+#&%($,( +#,%7,,( #* # B,*/' # R#(#+&,( # , P+'&%*/%, S,*$'

D'5%*'.

E*$+#&%($,(K

1. C'*'/# ($# # (%($#5, %*,*/%#+' '5%*%/,*'2. C'*'/# ($# ,( #=#( :# ' +#,*3. P'(## ($# ,*, $,+"#$,4. C'*(%#+, ($# # (' # ,( $,+"#$,(. E( ($# /%#*$# # ,


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III.1. MARCO TEORICO.

III.1 H#*"%'#( 4 F%'5(#& 7!) B(&%.

S#+#,; #($'( !,*/'( ,#5>( # #%/,+(# , ,+ /+?%$' = ,

/,5!%'; $,5!%?* (# #*/,+,!,* # +#/,,/%* # %5#($'( = ,/,!,*

5'*#,(.

T,5!%?* #* '( +%5#+'( ,'( # %5#+%' +'5,*' (# +#/++# , , +>/$%/,

!,*/,+%,; #+' +%*/%,5#*$# ,+, '5#*$,+ , ,+%/$+,; ,*:# #' '(

+'5,*'( ,'$,* # 5'#' # '( +%#'( = *,* !,*/'(

L'( +'5,*'( (%%#*$#( '5#*$,*' , '$%/, !,*/,+%, = '+ # (%' I; ,+, ,?'/, # ($%*%,*' +#,5#*$,+ /'* +#/%(%* $''( '( +##+#*$# , #($, ,/$%&%,

= , %*$+'//%* $,(,( , ,( $+,*(,//%'*#(; :# $#*,* ( &,+%,/%* # ,/#+' ,

+#** , :# (# # +#($,+,.

III.2. C%&!+"% 7! B(&% M%7!'&%.

S# #*$%#*# '+ B,*/' M'#+*' , '( :# %5#5#*$,+'* *, '+5, ,+#(%&, #

!


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#*$+#*,* * #+('*, ,+, /,,/%$,+' /'* # '!"#$%&' # :# #($'( (# #*/,+#*

# , /,$,/%* # #+('*,( ,+, *#+ '( +'/$'( # !,*/'.

E* , %($'+%, = '+5,/%* # '( !,*/'(; #(# # *$' # &%($, #* :# (# ##*

/'*(%#+,+; # 5,*#+, #*#+, , %5'+$,*/%, # %*$#+?(; # , ,/$%&%, !,*/,+%,;

:# (# $+,/#; #* * +' # %*$#+5#%,+%, # '( ,'( (#+&%/%' # /,",J; = #

%($+%!%'+, # /+?%$' (#+&%/%' # /+?%$'J , '( :# ,= :# ,+#,+ /%#+$'(

(#+&%/%'( /'5#+/%,#( /'*#'( :# &,* #(# '( %*$#+#(#( #*#+,#(; /'5' #

'( ,+$%/,+#(.

E #($,' , $#*%' :# ,(#+,+ # /'*$+' = , %+#//%* # '( !,*/'( = #*

,*'( ,(#( , #,' ,($, *,/%'*,%7,+' ,+, /'*+$%+(# # 5%(5' E($,'#* !,*/'.

D#!%' , :# '( /+?%$'( :# '$'+, # (#/$'+ !,*/,+%' ,5#*$,* , #,*(%* #

, #/'*'5, = /+#,* *, 5,(, 5'*#$,+%, *#&,; # E($,' ' /'*$+', = '( '+%#*$,

=, :# #(# '( %*$#+#(#( # '( ,+$%/,+#(; ,( #+('*,( *#/#(%$,* # , ,=,

# * B,*/' $,*$' ,+, ##/$,+ (( ,'( /'5' ,+, '!$#*#+ '(

%*,*/%,5%#*$'( ; #( #/%+; :# #( %*/'*/#!%!# *, ,/$%&%, #/'*5%/, =

/'5#+/%, (%* *, /'*$,!%%, '+,*%7,, (%* , +#(#*/%, # * B,*/'.

E* # #+#/' !,*/,+%'; #%*%' '+ ( '!"#$'; #( # /'*"*$' # +#,( :#

/'*/%#+*#*; , ,( '#+,/%'*#( !,*/,+%,( = ,( #+('*,( :# +#,%7,* , $$'

+'#(%'*,; #( #/%+; :# # #+#/' !,*/,+%'; #( # #+#/' # ,( '#+,/%'*#(

!,*/,+%,( = # '( +'#(%'*,#( # /'5#+/%' !,*/,+%'.

E( #/%+; :# ,( '#+,/%'*#( !,*/,+%,( /'5+#*#* , +#/#/%* # '*'( #


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III./ D!'!8% B(&('#%.

E* # #+#/' !,*/,+%' #( * #+#/' +'#(%'*, = '+ $,*$' *' #( *, +,5,

,$*'5, # #+#/'; #($# /'5+#*# $'' * /'*"*$' # +#,( # '+%#* =

*,$+,#7, %+(, :# %*/=# +#,( # #+#/' +%&,' = +#,( # #+#/'

# #+#/' /'5#+/%,; #($' :# ,( '#+,/%'*#( !,*/,+%,( ('* ,/$'( #

/'5#+/%' = ,( #+('*,( (%/,( ' 5'+,#( :# '( +#,%7,* , $$' +'#(%'*,

$%#*#* , /,%, # /'5#+/%,#(.

L'( +'#(%'*,#( # /'5#+/%' !,*/,+%' #($>* /'*$+','( '+ '+,*%(5' #

#($,'; >5#(# B,*/' C#*$+, # , R.D.; *$, M'*#$,+%,; S#+%*$#*#*/%, #

B,*/'( = B,*/' N,/%'*, # , %&%#*,.

L'( B,*/'( C'5#+/%,#(; (# #%*# /'5' ,:#,( :# +#/%!#* #(%$' #

( :# *, #(#/%# #

*, /,$#'+, 5>( ,5%, # #($,!#/%5%#*$' # /+?%$' ,!%%$,' ,+, ##/$,+

'#+,/%'*#( !,*/,+%,( :# /'5+#*#* ,#5>( , '( !,*/'( H%'$#/,+%'(;

B,*/'( # D#(,++''; B,*/'( A+/',; B,*/' # A('/%,/%* # A'++'( =

P+?($,5'(; ,( S'/%#,#( F%*,*/%#+,(; ,( %*($%$/%'*#( /''#+,$%&,( #

%*($%$/%'*#( %*,*/%#+,( #(#/%,%7,,(.

E ,# # '( !,*/'(; #( , *#/#(%, # +'$##+ , '( #'(%$,*$#(. L'(

!,*/'( $%#*# , ( /,+' *, 5%(%* # '+#*


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• L, C'*($%$/%* # , R#. D'5. E* #($, (# 5#*/%'*, , *%, 5'*#$,+%,

= ,( */%'*#( # , *$, M'*#$,+%,.• E D#+#/' C'5#+/%,; # D#+#/' C%&%; = # D#+#/' A5%*%($+,$%&';

#(#/%,5#*$# # ,( ,/$%&%,#( !,*/,+%,( :# #($>* %,,( '+ #

D#+#/' C'5#+/%,; # D#+#/' C%&% = # D#+#/' A5%*%($+,$%&'.

P'+ # /'*"*$' # #=#( #(#/%,#(; :# /'*($%$=#* ' :# (# /'*'/# /'* #

*'5!+# # L#%(,/%* M'*#$,+%,; B,*/,+%, = F%*,*/%#+, # , R#. D'5.

E"#5'(K

• L#= M'*#$,+%, 12 09-10-1966• L#= O+>*%/, # B,*/' C#*$+, 6142-1962• L#= G#*#+, # B,*/'( 20; 14-04-196; #*$# '$+,(

L,( #/%(%'*#( # '( '+,*%(5'( +#/$'+#( # , ,/$%&%, !,*/,+%,. E"#5'K

• *$, M'*#$,+%, # B,*/' C#*$+,• S#+%*$#*#*/%, # B,*/'(• E B,*/' N,/%'*, # , %&%#*,; #$/.

E* /,*$' , , *$, M'*#$,+%,; /'5' */%* # P'#+ R#,5#*$,+%' # %",+ ,(

+#(/+%/%'*#( # '+#* #*#+, :# (# ,%/, , $',( ,( %*($%$/%'*#( %*,*/%#+,(;

#($, (# , /'*+$%' #* , +%*/%, #*$# # #+#/' !,*/,+%' '5%*%/,*'. L,

S#+%*$#*#*/%, # B,*/'(; /+#,, '+ , 0 # 196 ( */%* +%*/%, #(

,+ '+ , ,%/,/%* = ,5%*%($+,/%* # +?%5#* #, # '( !,*/'(.

III. T('!"(* 7! C'97#"% 4 D!b#"%.

C+?%$' #( /,*' # #($>* ,/%#*' * +?($,5' = &, , #*,+ %*$#+?(. D?!%$'

#( /,*' *' #($> (,*' ( /#*$, # /#:#(. C>*' (,+ , $,+"#$, #

/+?%$' ' ?!%$' ##*# #* /5' &,( , $%%7,+,. E($,( ('* ,*,( # ,(

*$,",(.

V!&"((* () *(' T('!"(* 7! C'97#"%:

• C'5+,+ '+ I*$#+*#$

12

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• M#"'+#( +'$#//%'*#(

• P+'+,5,( # +#/'5#*(,

• P+'$#//%* '+ ('!+#/,+'(

A $%%7,+ , $,+"#$, # /+?%$' $# !#*#%/%,( # '( +'+,5,( # +#/'5#*(, =

#&%$,( /'$,( '+ ('!+#/,+' #* $ /#*$,; ,( /,#( '+,* ##&,+ # /'($' #

*, (%5# ,5!+#(,.

D!*$!&"((* 7! )(* T('!"(* 7! C'97#"%:

•

A$'( %*$#+#(#( #* /,+'( - I*$#+#(#( # $,+"#$,( # /+?%$' ##* &,+%,+ #0 , 30 ' 5>(.

• M= ,$'( %*$#+#(#( '+ (,/,+ %*#+'

L,( #(*$,",( # ,( $,+"#$,( # /+?%$' #($>* #* '( ,$'( %*$#+#(#( :# $#

/'!+,* (% *' ,,( , $%#5' ,( /'$,( 5#*(,#( '+ ,( /'5+,( ' '+ (,/,+

%*#+' #* ##/$%&'.

S% ,= *, %($, '+ * /,+' , $%%7,+ , $,+"#$, # /+?%$'; $ /'5,, #

/+?%$' $# ,=,+> , +#('+, #* /,(' # :# $< *' ' ,=,( #/' #* '*#

%/%($# , /'5+,

V!&"((* 7! )(* T('!"(* 7! D!b#"%:

• L,( /'5,,( # /+?%$' /'*#,+>* '( /'!+'( #* %($, (%* /'!+,+

%*$#+#(#( ,($, :# (# +#(#&, # ,(*$'.

• E* #($# $%' # $,+"#$, # %*#+' :# (# (, #( # :# (# $'5, , #!%$' #

:# # $%$,+ %('*# #* ( /#*$, !,*/,+%, = *' # :# # +#($, # !,*/'

/'5' '/++# /'* ,( $,+"#$,( # /+?%$'.

13


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D!*$!&"((* 7! )(* T('!"(* 7! D!b#"%:

L'( !,*/'( *' (# ,/#* +#('*(,!#( # %*#+' (($+,' # ( /#*$, /'* (

$,+"#$, # ?!%$'.

8*, # ,( #(*$,",( # $%%7,+ , $,+"#$, # ?!%$' #( /,*' (+#*

+'!#5,( #* *, # ,( /'5+,(.

III. M%7!)% 7! S+!'$#*#& B(*(7% !& R#!*;%.

E($# 5'#' (# *,5#*$, #* , #&,,/%* # ,( '#+,/%'*#(; +'/#('( =

/'*$+'#( # *, #*$%, , ,+$%+ # , &,'+,/%* # ,(#/$'( +#,/%'*,'( /'* #

,5!%#*$# #/'*5%/' #* :# '#+, = '( ,/$'+#( # +%#('( '$#*/%,#( ,+, #S%($#5, B,*/,+%' #* ( $'$,%, = ,+, /,, !,*/' #* ,+$%/,+; #*,$%7,*' ,

'+5, #* :# ,( #*$%,#( 5%#* = 5,*#",* (( +%#('(. M>( ,#,*$# #* #($,

%*($%,/%* (# +#(#,* /'* 5>( #$,#( '( ,('( ,'( '+ ,

S#+%*$#*#*/%, # B,*/'( # , R#

#*':# # S#+&%(%*.

L, (#+&%(%* !,(,, #* +%#('( /'*(%($# #* * +'/#(' +#,$'+%' = #

(#+&%(%* :# #+5%$# , #$#+5%*,/%* /'*%,!# # '( +%*/%,#( +%#('(

%*#+#*$#( , *#'/%' # *, #*$%,; #*,$%7,*' #* , +#&%(%* '-(%$# = '*-(%$#;

,( /'5' #* '( +#/+('( ,+, #&,,+ %/'( +%#('(.

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III.6 O+!'(#%&!* B(&('#(*.

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/'5' %*$#+*,/%'*,.

E F'*' M'*#$,+%' I*$#+*,/%'*,; #( *, # ,( #*$%,#( :# */%'*,* /'5'

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E B,*/' M*%, , %, :# ,( '$+,( #*$%,#( ' %*($%$/%'*#( %*,*/%#+,( $%#*#

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/'5' #%%+ , ,( #*$%,#( %*,*/%#+,( , %&,/%* # %*'+5,/%* +#/%(, =

/'*%,!#.

OPINION PERSONAL.

S% ,( #=#( *' #+,* *#/#(,+%,( ,+, , >/% /'*&%*/%, 5,*,; *' #%($%#(#*#($,( #++,5%#*$,( :# ,/#* 5>( ,/$%!# , ,+5'*, #*$+# '( (#+#( 5,*'(.

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RECOMENDACI=N.

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BIBLIOGRAF>A.

• L#= 92-04 # R#

# E#+$'( I*$#+*,/%'*#(K C+%(%( !,*/,+%, #* , R#

$KQQQ.!,*/#*$+,.'&.'*'+5,$%&,/+%(%( !,*/,+%, 2003. • B,*/' C#*$+, # , R#

# E#+$'( I*$#+*,/%'*#(K C+%(%( !,*/,+%, #* , R#

$KQQQ.!,*/#*$+,.'&.'*'+5,$%&,/+%(%( !,*/,+%, 2003. • B,*/' C#*$+, # , R#

,*# # E#+$'( I*$#+*,/%'*#(K C+%(%( !,*/,+%, #* , R#

D'5%*%/,*,. E$+,' # 02 # (#$%#5!+# # 2009 #(#

$KQQQ.!,*/#*$+,.'&.'*'+5,$%&,/+%(%( !,*/,+%, 2003. • L#= M'*#$,+%, = F%*,*/%#+,; 2002J. S%($#5, F%*,*/%#+' E$+,' # 02 #

(#$%#5!+# # 2009 #(# $$KQQQ.!,*/#*$+,.'&.'(%($#5,

%*,*/%#$'.,(,F*/%'*#( #*$%,#( %*,*/%#+,(• C,5%'; R 200; ,J D#(,'( = #+(#/$%&,( # S%($#5, F%*,*/%#+'

D'5%*%/,*' ,*$# # /'*$#$' #/'*5%/' %*$#+*,/%'*, = '/,; E$+,' # 02

# (#$%#5!+# # 2009 #(# $KQQQ.!,*/#*$+,.'&.'#(,'(• C,5%'; R. 200; !J D#(,'( = #+(#/$%&,( # S%($#5, F%*,*/%#+'

D'5%*%/,*' ,*$# # /'*$#$' #/'*5%/' %*$#+*,/%'*, = '/,; E$+,' # 02

# (#$%#5!+# # 2009 #(# $KQQQ.!,*/#*$+,.'&.'#(,'(• L#= N'. 13-02 M'*#$,+%, = F%*,*/%#+, # 21 # *'&%#5!+# # 2002.
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