Publication: Los sistemas de transferencia interna de fondos: su aplicación en las cajas de ahorros y en las cajas rurales españolas
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Date
2004
Authors
Ibarrondo Dávila, Pilar
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Publisher
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Description
Abstract
El entorno competitivo de las entidades de depósito ha sufrido fuertes cambios durante las dos últimas
décadas, y en la actualidad se caracteriza por una fuerte rivalidad entre las empresas del sector. En este
contexto, las entidades bancarias deben dotarse de sistemas de información ágiles y flexibles que les permitan
dar respuesta a las nuevas necesidades gerenciales y a las actuales exigencias de la dirección
estratégica.
Desde esta perspectiva, en el presente trabajo se estudian las características de los distintos sistemas de
transferencia interna de fondos aplicables en las entidades bancarias, procediendo a un análisis comparativo
de los mismos, y, posteriormente, se presentan los principales rasgos que caracterizan a los sistemas
de transferencia de fondos correspondientes a las cajas de ahorros y a las cajas rurales, a partir de
los resultados obtenidos de una encuesta realizada en dichas entidades
The competitive environment of monetary financial institutions has undergone great changes over the last two decades, and at present is characterized by strong competition among the companies of the sector. In this context, the monetory financial institutions should be endowed whith agile and flexible information systems that allow them to respond to the new managerial necessities and the current demands of Strategic Management. Thus, in this paper, first we analyse the characteristics of the different funds-tranfer- pricing methods applicable in the banks and go on to carry out a comparative analysis of the former. Secondly, we present the main features that characterize the funds-transfer-pricing methods in Spanish Savings Banks and Spanish Rural Banks, based on the results obtained from a survey carried out among these companies
The competitive environment of monetary financial institutions has undergone great changes over the last two decades, and at present is characterized by strong competition among the companies of the sector. In this context, the monetory financial institutions should be endowed whith agile and flexible information systems that allow them to respond to the new managerial necessities and the current demands of Strategic Management. Thus, in this paper, first we analyse the characteristics of the different funds-tranfer- pricing methods applicable in the banks and go on to carry out a comparative analysis of the former. Secondly, we present the main features that characterize the funds-transfer-pricing methods in Spanish Savings Banks and Spanish Rural Banks, based on the results obtained from a survey carried out among these companies
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