The Benefits of Banking
As you know many people have gone to banks to make use of different types of services which can get different benefits, both economically, as management, better handling of money and security, which is most suitable conditions for people to be themselves they manage their money, plus it also generates profits for banks, which at times give back to customers for their trust, with the idea that the bank has both a good relationship with people, as income and proper management of its capital, but can occur in some cases a surplus in the banks on account of deposits, deposits or other relationship that would support a third, this is how the credits are given, which must be delivered to the person who has in his favor by applying different types of media to make known to the person to which the credits will be delivered. The debts arise as a result of a search that all banks must make every year and financial institutions should analyze the different records about the information they have on deposits, deposits and other types of relationships between banks and customers, so if as a result of this analysis are presented surpluses will address the debts which are in favor of certain persons arising from the financial spin because such debt they did not have the movement that should have or on the ground that the debts were not paid during the two years preceding the review undertaken by entities financial year. After that financial institutions have gathered information about the credits, they form a list, which is due in January by the parent or central office, along with a publication in the official journal of the region in a day of next March, this in order to inform potential stakeholders in the matter and so can perform the collection of debts. If people can be benefit from the credits do not make the payment within a specified period, the financial institution must provide all the capital plus in debts to the treasury unclaimed in the region or in some cases in the province that corresponds to the main residence, ie whether different both legal and natural persons do not realize the recovery of debts, one way or another will be delivering to the Treasury. So the credits are case bank, also are subject to a term expiration, so the funds have not been moving in two years, will include the listing of credits, which is published and gives a within 3 years to go to the bank and ask them. Keep in mind that there are some funds that despite spending some time do not enter the credits and deposits and are indefinite term or automatic renewal clause..