Matriz de Riesgo

 

Girah `d hu` itmráh6 @HACM S.H @D C.W. Clidktd6 ST^DZ BDLH@MS CZDAMSH ^drim`m6 :>89   u`itmr6Lic. Cristihk D`ehr`m Emkzèldz @haièk

A PZIV @D ZIDSEM DSEM CTDKP

Amktm hl 38/8:/:>82

  kèlisis `d ridsem G CPMZD CPMZDSS @D ZI ZIDS DSEM EM

SDWD SDWDZZ CIÓ CIÓKK

I ap ap hc hc tm ( /A/J)

^ rrmm jh jhj ilil i` h` h` ( /A/J)

(8-3)

(8-3)

Cmktrml   kèlisis (@dscripciók) Kivdl ( /A/J)

8. Zmj Zmj m ` d D gd ctctivm ivm

JHFM

3.Prhksgdrdkcih 3.Prhksgdrdkcih km Hutmrizh`hs m ghlsigich`hs.

0. @d pm sitm s d k trhksitm

DGDCPIWM Y  $ DXTIW LDKPDS

Mcurrdkcih, 4.Ahkipulhcimk `d Ghcgurhs m Crd`itms iktderi`h`, dxhctitu`, cmrtd `d 80,037.:7 Gischlds. mpdrhcimkds, clhsigichciók 7. ^hem `d ehstms pdrsmkhlds `d lms dapldh`ms.

5.^lhkillh `d dapldh`ms -Dapldh`ms ghlsms.

2. Dk` m sm ` d Cbdq ud s.

HLPM

3

HLPM

3

9

^mlitich `d dgdctivm (lh cuhl gud hprmjh`h pmr Edrdkcih Gikhkcidrh)

cmksi`drhcimkds smjrd hlchkcd

J HHFF M

Cmaphrd lms shl`ms adksuhlds `d lhs vdkths sdeök rdeistrms `d cmkthjili`h` , `d IWH Y @dclhrhcimkds y vdrigiqud lhs suahtmrihs adksuh adksuhlds lds dk lijrms `d IWH, `d dx istir `igdrdkcihs ikvdstieud su khturhldzh.

vdrigichr dl 8>>% `d lms shl`ms y phrh lh suahtmrih, vdrigiqud uk ads y tmahr dk cudkth vdrigichciók `d s uahtmrih uahtmrihss `d hu`itmrihs hktdrimrds.

HL HLPM

Wdrigichr qud sdhk rdeistrh`m h`dcuh`hadktd, y qud lms `mcuadktms cuaplhk cmk lms rdquisitms `d lh girah `dl chfdrm `d jhkcm m iaprdsiók `d ahquik ahquikh? h? `d cmkthr cmk sdrvicims `d custm`ih `d vhlmrds vdrigichr dl rdcijm `d dktrdeh `dl dgdctivm hl jhkcm.

Smlicithr lms cmrtd `d chfh `d lh daprdsh y sdldccimkhr lms cmaprmjhktds `d rdadsh , `d gmrah hldhtmrih, `d lms adsds dktrd dkdrm y `icidajrd y cmtdfhr cmktrh dl rdeistrm dk lijrm ahymr.

Ik bd bd rd rd ktd ktd Cmk Cmk trm trm l @dtd @dtdcci cció k

H LLPPM

:- Prhkshl` m ` d l Dgd ctivm

^rmcd`iaidktms ^rmcd`iaid ktms ` d hu`itmráh qud cmrrdspmk`dk h mpdrhcimkds `d ridsem dspdcágicm (Zdspudsth)

Zidsem `d hu`itmráh

H LLPPM

JHFM

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HLPM

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H LLPPM

HLPM

AD AD@I @IM

HLPM

`dshrrmllhrèk lms

Sdeök lms dsth`ms `d cudkths jhkchrims sdldccimkd Wdrigichr cmkcilihcimkds jhkchrihs y lms cmrtd `d chfh , cmk lms cikcms priadrm ukh audstrh `d trhksgdrdkcih trhksgdrdkcih pmr ad`im `dl mr`dk cmrrdlhtivm y gdcbh `d dais iók CCG , cmktrhtms u mtrm y cikcm ultiams, `d lms `mcuadktms JHFM `mcuadktm qud smpmrtd lh mpdrhciók cmtdfd su daiti`ms . Wdrigichr qud lms rdeistrm dk lms lijrms `d vdkths y `dthlld `dl ahymr, h `mcuadktms sd dkcudktrdk trhkshccimkds ccimkds dgdctm `d cmksthth cmksththrr si bhk rdeistrh`m dk lh cmkthjili`h` rdeistrh`ms y qud l hs trhksh sdhk `d lhs hctivi`h`ds liciths `d lh mpmrtukhadktd. H phrtir `d lhs cmkcilihcimkds Jhkchrih Jhkchrihss i`dktigiqud lms Sdldccimkhr lhs trhksgddrdkcihs rdkcihs `dpsmitms dk trhksitm pdk`idktds `d rdeistrhr dk dl ahymrds bhsth hlchkzhr ukh cujd rturh AD@IM jhkcm, vdrigiqud dl tidapm sureiaidktm dk lh aikiah `dl 4>%. Sd pd`irh dl `dthlld cmkthjili`h` y hsdeurdsd si sd chusm cmrrdcthadktd h `d ahymr `ds`d su h`quisiciók. trhvds `d lh `mcuadkthciók `d smpmrtd , cuhk`m Hphrtir `d lms rdeistrms `d IWH vdrigiqud qud Hplichr prmcd`iaidktms dk hqudllhs AD@IM dgdctivhadktd cmrrdspmk`d vdkth `d prm`uctms, mpdrhcimkds ieuhlds m ahymrds h ikerdms pmr sdrvicims , hkhlicd su khturhldz y su $4>>.>>Zdhlicd cmaphrhciók `d cmaprhs rdeistrh`h rdeistrh`hss dk lms Wdrigichciók dl 8>>% `d lms ehstms lijrms `d IWH, dk lhs cudkths `d ehstms `d tm`hs qud dstdk h kmajrd `d uk ukicm cmrrdspmk`hk hl eirm `d lh daprdsh y `d sdr ehstms AD@IM pmr htdkcimkds hl pdrsmkhl qud dstms sdkh dapldh`m y smlicitd lh `dji`h  fustigichciók `d `icbm ehstm `dfhr cmaprmkjhjlds y qud ikcluyhk dk erhk ad`i`h lh `dthlld `d lm dxhaikh`m. tmthli`h` `d lms dapdlh`ms.

J HF HF M

JHFM

H phrtir `d lms rdeistrms `d cmkthjili`h` i`dktigiqud dl amviaidktm `d lh cudkth ehstims pmr shlhrims y jmkigichcimkds y cmtdfd vhlmrds cmk lms jmkms h lh cudkth `d dgdctivms , `d d xisitir `igdrdkcihs ikvdstieud su khturhldzh. @djd cdrcimrhrsd qud dl pheim cmrrdspmk`h hl köadrm `d dapldh`ms cmktrhth cmktrhth`ms `ms `d lh daprdsh , smlicitd plhkillh `d sudl`ms y rdhlicd rdchlculm `dl phem hsi cmam lhs `d`uccimkds `d ldy. Ikvdstieud lms cbdqud daiti`ms cmktdkehk lh ldydk`h "KM KDEMCIHJLD", HJLD", `d km sdr hsi si dxistdk cbquds dk`msh`ms vdrigiqud qud dstms cudktdk cmk lh `dji`h `mcuadkthciók `d smpmrtd m hutmrizhciók `d qudik daitd lms cbdquds , m `d lh edrdkcih.

9.Smjrhktds y Ghlthktddss dk Chfh `d `ikdrm pmr `igdrdktds rhzmkds sik  fustigichciók rdspdctivh.

AD@IM

AD@IM

AD@IM

Zdgdrdkcih ^Ps (Zdgdrdkcih (Zdgdrdkcih h lms prmerhahs `d hu`itmráh dk `mk`d sd

Zdhlizhr `d gmrah smrprdsivh hrqudm `d chfh dk ch`h sucurshl y `d `d tdraikhrsd `igdrdkcihs smlicithr hfustds phrh `dtdraikhr `dtdraikhr h qud cmrrdspmk`d `icbhs `igdrdkcihs.

 

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HLPM

Dsthjldcdr uk sistdah `d cmktrml qud pdraitd dgdctuhr HLPM dl sdeuiaidkktm y supdrvisiók `d lhs cudkths vdkci`hs y pmr vdkcdr.

:.@isaikiciók `d lh chrtdrh `d clidktds pmr ikdgicidkcih dk dl hrdh `d cudkths pmr cmjrhr.

HLPM

HLPM

HLPM

AD@IM

AD@IM

Iapldadkthr ahkuhl `d mrehkizhciók cmktikuh h lms trhjhfh`mrds rdspdctm h htdkciók hl clidktd.Dgdctuhr AD@IM chphcithcimkds hl pdrsmkhl.

0.Grhu`d iktdrkm dk hl edstiók `d cmjrhkzh pmr phrtd `dl pdrsmkhl.

HLPM

HLPM

HLPM

4.^dr`i`hs dcmkmcaichs pmr ikh`dcuh`h y/m liaith`h dvhluhciók crd`iticih `d lms cluidktds

HLPM

HLPM

Cmktrhthr dl sdrvicim `d hleukh daprdsh qud audstrd HLPM uk rdpmrtd crd`iticim `d ukh ahkdrh, rhpi`h , èeil y siapld `d lms clidktds,

3.Ikh`dcuh`h tmah `d `dcisimkds pmr ikgmrahciók gikhkcidrh drrh`h y / m

CTDKP S ^MZ CMJZ Z

8. Ghlth `d Liqui` dz.

 $ 3,>>5.23 cmkgihjld.

Mcurrdkcih, iktderi`h`,

Lh dkti`h` cudkth cmk uk

dxhctitu`, cmrtd `d AD@IM mpdrhcimkds, clhsigichciók

: AD@IM

:

0

Cmaité `dy Cré`itms Cmjrms

8. Ahl rdcmkmciaidktms ms `d lms

Iapldadkthr y dfdcuthr dl cm`iem `d étich. Iapldadkthr lhs pmlitichs pmlitichs `d lms ad`ims `d phem, d apldhr dgdctiivm. vm.

 Smlicithr hl pdrsmkhl dkchreh`m `d lh cmkthjilizhciók

ikvdkthrims adrch`drih hlh lhamadktm jm`deh.`d ikerdshr

HLPM

HLPM

HLPM uk judk vdcds usm `dsdlhtidk`d kmrahtivh cmkthjld , pmr qud aucbhs h cmkguk`ir.

:. Xud lms ikvdkthrim km sdhk ikerdsh`ms hl hlahcd.

AD@IM

AD@IM

Smlicithr hl pdrsmkhl dkchreh`m `d lh cmkthjilizhciók AD@IM uk judk usm `d lh kmrahtivh cmkthjld , pmr qud aucbhs vdcds sd tidk`d h cmkguk`ir.

HLPM

HLPM

@dtdraikhr qud lms prmcd`iaidktms phrh lh hutmrizhcimk `d adrch`drih sd cukplhk.

AD@IM

AD@IM

Dgdctuhr prudjh smjrd dl h`dcuh`m usm `d lms aétm`ms `d `dtdraikhcimk `dl cmstm `d vdkth.

0.Xud lms rdtirms `d lms ikvdkthrims sdhk sik hutmrizhciók. IKWDKP ZIM

Dgdctuhr dvhluhcmiók cmktikuh h lms trhjhfh`mrds rdspdctm h htdkciók hl clidktd.

 $ 837,89>.:> 0. Dktrdehs (shli`hs) `d prm`uctm (bhrikh), sik rdeistrhr dk dl sistdah

Mcurrdkcih, iktderi`h`, dxhctitu`, cmrtd `d mpdrhcimkds, clhsigichciók

JHF M

8

JHF M

8

8

Ikvdkthrims HLPM gisicms sdadstrhlddss y uk judk cmktrml iktdrkm `d hlahcdkhaidktm AD@IM .

4. Xud lms ikvdkthrims h tdrcdrms km sd cmktrmldk dgdctivhadktd. 7. Xud km sd lldvd uk ahkdrm h`dcuh`m `d lh thrfdth `d ikvdkthrim. 5. Xud km sd cudktd cmk sugicidktd `mcuadkthciók qud rdsphl`d lh cmaprh `d ikvdkthrim.

HLPM

HLPM

AD@IM

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HLPM

Mjtdkeh rdlhcimkds `d lhs cudkths `d cmaprhs m HLPM vdkths phrh vdrigichr qud dl phem km sd bh dgdctivm sikm pmr ad`im `d trhksgdrdkcihs jhkchrihs vdrigichr dl ahkdfm `d lh thrfdth ohr`dx phrh lh AD@IM `dtdraikhciók `dtdraik hciók `d lms cmstms. HLPM

Smlicthr qud ch`h vdkth m cmaprh `d ikvdkthrim dstd `dji`hadktd `mcuadkth`h.

 

. xs dkch dkch d hcvms km u zh ms ki `dprdcih`ms `ds`d su ikcmrpmrhciók cmam phrtd `dl Mcurrdkcih, htriamkim hutmkmam. ^ZM^ID@ @ , iktderi`h`, ^L KP Y  $ 8,:43,094.>7 :.Hctivms gifms prmvdkidktds `d dxhctitu`, cmrtd `d HLPM mpdrhcimkds `dscmktikuhs. DXTI^M mpdrhcimkds, clhsigichciók 3.Lh cudkth `d prmpid`h` plhkth y

3 HLPM

3

9

K/H

dquipm km dsth prdsdkthk`msd rhzmkhjldadktd.

CTDKP S ^MZ ^ E Z

 $

HLPM

Wdrigichr dl ahkdfm `d lhs ikcmrpmrhcimkds `d hctivms HLPM gifms y vdrigichr dk lms lijrms lms hcitvms qud sd pmsddk.

HLPM

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HLPM

HLPM

HLPM

Si sd h`quidrd hleuk hctivm gifms vdrigichr tm`h lh `mcuadkthcimk ldehl qud lm rdsphl`d. Wdrigchr dl ahkdfm m prmcd`iaidktm phrh iktrm`ucir uk hctivm gifm h hl daprdsh (Cmkthjldadktd).

@isaikuciók `d liqui`dz pmr phem `mjld `d ghcturhs hl aisam prmvdd`mr 

Wdrigichr dl lijrm `d prmvdd`mrds `d lh daprdsh phrh AD@IM AD@IM AD@IM tdkdr cmksdktiaidktm `d cuhktm sd thr`h dk phehr h sus prmvdd`mrds.

@isaikuciók `d Liqui`dz pmr phem `mjld `d `dtrhcciók huk aisam prmvdd`mr.

JHFM

JHFM

Wdrigichr dl lijrm `d prmvdd`mrds `d lh daprdsh phrh JHFM tdkdr cmksdktiaidktm `d cuhktm sd thr`h dk phehr h sus prmvdd`mrds.

JHFM

JHFM

Wdrigichr dl ahkuhl `d cudkths pmr phehr y JHFM prmcd`iaidktm qud lh daprdsh cudkth phrh bhcdr sus `dsdajmlsms.

JHFM

JHFM

Wdrigichr dl ahkuhl `d cudkths pmr phehr y JHFM prmcd`iaidktm qud lh daprdsh cudkth phrh bhcdr sus `dsdajmlsms.

HLPM

HLPM

Wdrigchr dl rhtim `d cudkths pmr phehr y lms `ihs qud sd HLPM thr`h dk `hr `d jhfh su cudkths pmr phehr h prmvdd`mrds.

Sd prmcdshk `dsdajmlsms sik sustdktm, cmam cmksdcudkcih sd 7>, 3>3>:. 4040 edkdrh cukdth `d hkticipms.

Mcurrdkcih, iktderi`h`, dxhctitu`, cmrtd `d AD@IM

: AD@IM :

0

mpdrhcimkds, Sd prmcdshk `dsdajmlsms `d `ikdrm clhsigichciók sik sustdktm, cmam cmksdcudkcih sd edkdrhk dktrdehs h rdk`ir c udkth.

8.Lh cmkcilihcimkds jhkchrihs km sd rdhlizhk `d gmrah pdrim`ich.

Mcurrdkcih, iktderi`h`,  $ 8,38>,553. 8,38>,553.38 38 :.Lms phems cmk cbdquds u mtrms dxhctitu`, cmrtd `d AD@IM mpdrhcimkds, cmjrms pm`rihk km sdr `dpmsith`ms clhsigichciók dk cudkths `d lh daprdsh.

Lh dkti`h` cudkth cmk uk Cmaité `d dspdgicims `d cudkths pmr phehr h prmvdd`mrds.

Sd rdhlizhk phems `dspuds `d lh gdcbh `d vdkciaidktm y cmam cmksdcudkcih , sd pidr`d `ikdrm pmr phehr iktdrdsds.

IKEZDSMS

HLPM

: AD@IM :

0

Cudkth cmk uk HLPM ahkuhl `d prmcd`iaidktms iktdrms phrh dl AD@IM chajim `d edrdkcih

HLPM HLPM

Ahymr prudjh susthktivhs phrh cmrrmjmrhr dl shl`m `d lms jhkcms. Smlicithr lms dsth`ms `d cudkths y lijrm `d jhkcms.

AD@IM AD@IM

Wdrigichr lm prmcd`iaidktms qud lh ikstituciók rdhlih`h phrh cmaprmjhr lh vdrhci`h` y dxhctitu` `d lhs trhkshccimkds.

 

 SPMS @D M^DZ CIÓK

@D^ZDCI CIÓK

CMSPMS @D WDKP S

8.Lms ehstms km smk clhsigich`ms cmrrdcthadktd.  $ 0>2,8:3.>2 :.Km sd cudkth cmk sugicidktd `mcuadkthciók hciók qud rdsphl`d lms ehstms rdhlizh`ms pmr lh dkti`h` 8.Sd l dvh uk cmktrml `dthllh`m `d lhs `dprdcihcimkds

^ E Z

@DT@ S GIK KCIDZ S L ZEM ^L VM

HLPM

3

HLPM

3

9

HLPM

AD@IM

AD@IM AD@IM

Wdrigichr dl ahkuhl `d pmlitichs y prmcd`iaidktm `d lh daprdsh phrh rdeistrhr `cbms ehstms

HLPM

Wdrigichr lms rdeistrms cmkthjlds y vdrigichr si cudkth cmk lh sugicidktd `mcuadkthciók vdrigchr lms rdeistrms y lhs pm litichs `d lhs `dprdcihcimkds

HLPM

HLPM

K/ H

AD @I@IM

AADD@IM AD AD@@IM

Wdrigchr dl ahkuhl y prmcd`iaidktms `d lh dkti`h` dk dl chsm `d dxistir uk hfustd

Wdrgichr lhs pmlitichs `d rdcmkmciaidktm `d lms cmstms y ehstms `dktrm `d lh dkti`h`

:

0

Mcurrdkcih, Xud hl amadktm `d rdcmkmcdr lms iktderi`h`,  $ 225,088.85 cmstms,dk lh ikgmrahcimk gikhkcidrh , dxhctitu`, cmrtd `d JHFM dstms pud`dk tdkdr cmkgusiók cmam mpdrhcimkds, ehstms clhsigichciók

8 JHFM

8

8

K/H

AD@IM AD@IM AD@IM

Mcurrdkcih, Xud km dxistd ukh ahkdrh dsthjldci`h iktderi`h`, :,508.:5 phrh dl phem `d lms Bmkmrhrims h dxhctitu`, cmrtd `d JHFM dapldh`ms mpdrhcimkds, clhsigichciók

8 JHFM

8

8

K/H

JHFM

Mcurrdkcih, iktderi`h`, JHF M dxhctitu`, cmrtd `d mpdrhcimkds,

8 JHF M

8

8

K/H

AD@IM A DD@@IM A D@ D@IM Zdvishr lms phehrds jhkchrim s.s.

 $

@dtdraikhr lh dxistdkcih `d  $ 8>8,520.:7 mjliehcimkds km rdeistrh`hs

8.@ivi`dk`ms. Ahlh `istrijuciók `d lms

^ PZIAMKIM

HLPM

K/H

Mcurrdkcih,

iktderi`h`, dxhctitu`, cmrtd `d AD@IM :.Lms hfustd dgdctuh`ms smk hplich`ms mpdrhcimkds, cmrrdcthadktd hpdeh`ms h lh ldy clhsigichciók

HLPM

: AD@IM

-$ 500,75>.3:

JDKDGICIMS DA^LD @MS ^MZ

Mcurrdkcih, iktderi`h`, dxhctitu`, cmrtd `d mpdrhcimkds, clhsigichciók

:.Sd herdeh hleuk jidk qud phsh h phtriamkim.  $ 08>,: ,:>>8.3 .399 sdr prmpid`h` `dl phtriamkim. 3. Xud sd bhyh rdhlizh`m hleuk huadktm m `isaukiciók `dl chpithl Cmkthjld.

Mcurrdkcih, iktderi`h`, AD@@IM dxhctitu`, cmrtd `d AD mpdrhcimkds, clhsigichciók

: AD AD@@IM :

0

JHFM

Wdrigichr lh pmlitichs y prmcd`iaidktms qud lh ikstituciók JHFM sieud h lh bmrh `d chkcdlhr lms bmkmrhrims h lms dapldh`ms

AD@IM AD@IM AD@IM Lh dkti`h` cudkth cmk uk ahkuhl `d JHFM JHFM JHFM prmcd`iaidktms phrh lh `istrijuicók `d utili`h`ds. AD@IM AD@IM AD@IM

Wdri gichr`dlms`sitrijuir prmcd`iaisusdktms qud lhydkti`h` rdhlizh`h h lh bmrh utili`h`ds `ivi`dk`ms Wdrigichr dk lms lijrm `d prmpid`h` , plhkth y dquipm si hleuk jidk phsh h sdr `dl phtriamkim m gud rdciji`m pmr `mkhcimkds lhs cuhlds `djdrhk dsthr `dji`hadktd sustdkth. Wdrigichr dl lijrm `d huadktm y `isaukiciókds `d chpithl, vdrigichr si sd rdhlizh`m dk jhsd lh kmrahtivh ldehl dsthjldci`h.