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Es parte de los depósitos captados por los
bancos están prohibidos de canalizar hacia
los agentes deficitarios.
A) Pasivos bancarios.
B) Spread bancario.
C) Encaje legal o bancario.
D) Rentabilidad bancaria.
E) Activos bancarios.

Ask by Klein Boone. in Peru
Mar 28,2025

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La respuesta es C) Encaje legal o bancario.

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Bonus Knowledge

El encaje legal o bancario es un porcentaje de los depósitos que los bancos deben conservar en reservas y no pueden prestar. Esto asegura que los bancos puedan cumplir con las demandas de retiro de los depositantes, y también sirve como un mecanismo de control monetario para regular la cantidad de dinero en circulación.
En muchos países, el encaje legal puede variar según el tipo de depósito o el tipo de entidad financiera. Esta normativa influye en la capacidad de los bancos para otorgar créditos y, al mismo tiempo, ayuda a establecer un sistema financiero más sólido y estable.

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