For the allocation analysis and approval of banking products perfectible is needed the following: Integrated economic analysis centers: Made up of analysts from different areas,

[JUAN CARLOS VALLEJOS]

For the allocation analysis and approval of banking products perfectible is needed the following: Integrated economic analysis centers: Made up of analysts from different areas, administration, accounting, economists, engineers, lawyers, HR, etc. 2. - Financial Investment Services perfectible: We present a new financial service that aims at increasing the usefulness of a model based on economic, monetary resources scarce acting product integrated global economic system where profit generation instruments perfectible financial services generate regular income of a classic banking company to which we add a fraction of the surplus generated by the financial investment services perfectible (shareholding). Taking the same concept perfectible and developing it from the perspective of financial investments we have the following. The recruitment of investment projects: which is based on the choice of those projects whose technical characteristics in terms of (innovation, technological advances, sales projections, projections of productivity of the processes and the classical criteria of valuation of projects), will select those projects which the company as a bank under the perfectible system may decide to approve taking into account: a.1. The approval of projects under classical optics. Market research (projects: technical and financial economic studies) a.2. The approval of projects on a basis of equity which has the following features. a.2.1 Decreasing the active rate to the extent that the stake is greater. Lending Rate, macroeconomic variables, inflation, exchange of currency (bank formulas to determine the lending rate) (create formula to calculate the reduction in call deposit rate be improved taking into account other formula I calculate a value within a range of weighting of 1 to 15 (SME) (which allows me to give a value of choice for project selection) (viable projects from 8 to 15) (VAN classic criterion - IRR - IRC - IR etc). addition to other formula that I will be based on the following variables (to study the experts); • INNOVABILIDAD: (expert in marketing and production that will sort the product or service of a project according to the established scale (1 to 15) and possess the same selection criteria as above (from 8 to 15); • DESIGN: (expert in marketing and production that will sort the product or service of a project according to the established scale (1 to 15) and possess the same selection criteria as above (from 8 to 15) • TECHNOLOGY: (expert in technology that will classify the product or service of a project according to the established scale (1 to 15) and possess the same selection criteria as above (from 8 to 15); • FUNCTIONALITY • ERGONOMICS In addition to other formula based on the following variables (to study through a survey in the different social strata.) • INNOVABILIDAD: (to be calculated through a survey that will serve to qualify the product or service of a project according to the established scale (1 to 15) and possess the same selection criteria as above (from 8 to 15) ; • DESIGN: (to be calculated through a survey that will be used to classify the product marketing and production expert that will sort the product or service of a project according to the established scale (1 to 15) and possess the same criteria selection as above (from 8 to 15). • TECHNOLOGY: (will be calculated through a survey that will be used to classify the product expert in technology that will classify the product or service of a project according to the established scale (1 to 15) and possess the same selection criteria as above (from 8 to 15). • FUNCTIONALITY. • ERGONOMICS. Associated Psychology (sales shop etc.). Product surveys and types of purchases up information. Studies referred to as psychology or psyche of the person influences the moment of choice and purchase of a product EVALUATION AFTER SALES. According to these studies would develop the relationship and credit approval perfectible because not necessarily be a good project must be profitable. Based on: a.3. The business team building monitoring and intervention that will have the possibility, according to contractual agreements with those who come to the company which is financed. That in situations of local or global economic imbalance and problems in production processes of the company. These teams will intervene to implement measures that restore or achieve redress the balance in the processes tending to retrieve statistics in the profits of the company. The model also includes experts in the design of both production processes and inventory system designs which would enable rapid mobilization, allocation of sales, transportation and delivery, based on production systems, considering just in time systems and others. Marketing strategies of financial service improved. Perfectible Lending Rate Collection: The concept of this rate on capital gains financed, normally this is set taking into account many macroeconomic variables and average rates of the local banking sector also tends to be fixed according to marketing strategies that seek to attract new customers, and according to the objectives of bank capital. The lending rate is perfectible forms as follows, the surplus in the bank, which in turn shall be divided and divided and assigned to new customers, (Plus Net Banking = Bank Lending Rate Lending Rate Perfectible Local + + Dividend Yield Participation in Actions) and in turn this interest income will allow the bank to locate in a more optimal (client) to the allocation of investment projects or this with the use of marketing and marketing borrow to carry out your project . The customer will increase its capital and in subsequent periods inserted into new cycles of investment and creation of investment projects. In financial service strategies perfected variations in lending rates will vary with negative trend taking into account the following factors or variables of the project and the local economy, so we have the following: Classical criteria for the classification of projects, that are based on the development of investment projects consist of three phases: market research, technical study, economic study. Perfectible criteria for classifying investment projects: innovation or innovativeness of the project (product or service), ANALYSIS OF GOODS AND SERVICES (TECH-DESIGN-ERGONOMICS) in the local area (GROUP DETECTION PRODUCTS) that analyzes market all products local and global products that have greater demand with limited supply in the case of established products on the market and new product whose technical characteristics are relevant to the TEAM ANALYSIS BASED ON NEW PRODUCTS VARIABLES DESCRIBED and services to be inserted into the local market. Perfectible Banking Concept: Based on the establishment of the association looking through shareholdings in the maximization of utility, this utility previously commented, it would split, will be used to be distributed in several ways: c. Retained earnings: by paying common and preferred stock used the normal accounting procedure. d. Fractionation of Surplus-Perfectible: having a surplus and this will split so that these fractions after being canceled and paid all the debts of the company and all obligations acquired with shareholders was selected a fraction of this surplus to be distributed between customers PRODUCTS perfectible so that this fraction divided into smaller portions can be assigned to different types of customers taking into account the following factors: b.1. If the subject is a client of the bank: according to the period of affiliation to the bank, amount deposited, statistical debit and credit transactions, assessed ending balances in periods (quarterly, semiannual and annual), balance sheet analysis for personal and business methods statistics, which allows you to define the magnitude of interest rate (rate perfectible), which added to the bank deposit rate (ordinary income + surplus-Perfectible). Rate-perfectible The basic idea is to bring economic development of the client, developing over the traditional banking system, can give the software having a window to group those customers to achieve optimal capital to be invested through equipment and Analysis of clients assigned to them the possibility of creating projects, with services (Outsourcing) project creation, associated members and / or funded by the bank itself. This idea is truly innovative, in that it creates an infinite loop in which these clients will have a statistically higher capital growth (Normal + Utility Surplus-Perfectible), which normally would with traditional banking. This growth will provide a capital increase plus a surplus in the bank, which in turn shall be divided and divided and assigned to new customers, (Plus Utility Customer = Local + Savings Rate Bank Savings Rate Perfectible) and turn the gain interest will allow the bank to locate in an optimal category (client) to the allocation of investment projects or this with the use of marketing and marketing borrow to carry out your project. The customer will increase its capital and in subsequent periods inserted into new cycles of investment and creation of investment projects. The result for the bank, which will increase their capital to that of local banks (ordinary income + surplus-Perfectible), allowing you to create new structures and improve their systems, so that it can meet its economic goals. And expand their investment projects to generate profits for the banking company, its customers and society (creating multiple projects, investment and non-profit, donations, sustainable development of the region to which it belongs). b.2. New Customer: depend on the amounts deposited or aperturados and statistical analysis of accounts held by other banks and analysis of personal and business balance sheets, allowing you to determine statistical projections of cash movements. With the determination of these statistics can define the magnitude of interest rate (rate perfectible), which the bank will add to the interest rate liability (normal + Utility Surplus - Perfectible). + Surplus-Perfectible: Sum between the statistically calculated value, taking into account the normal accounting profit by adding excess earnings from the equity. Surplus-Perfectible fraction (Striped) fractionation of the surplus, having done the planning for budgets in the best time for her company, having made reservations for special situations in terms of casualty accidents and other items of similar characteristics, having made reserve calculation and planning for the stabilization fund bank business, the surplus will be split so that a number of these fractions calculated based on future investment prospects Plus-Net-Banking: Plus-utility-customer: The concept is the assignment of a Passive Interest Rate Savings Rate Perfectible more Local Banking, giving it a Plus-utility-customer to a financial instrument or product that would normally have a lower interest payment, seeking that the customer who decides to entrust their capital to the bank to achieve a much deeper economic development in financial instruments (banking products), other companies. Once the client receives this income plus purchasing power of savings and investment grow so that the design of new marketing strategies and investment advice can be achieved using this client believes the information and advice from a project financed with bank perfectible financing services which the bank created to further increase the surplus and a gain for the client with expert intervention of the bank that will give this a much higher economic growth, social welfare based on economic dynamism and sustainable development. Corporate Stabilization Fund: The conception of estadales accounts explaining the stock funds that are used in situations where for reasons of liquidity crisis rather than economic or management problems, it is necessary to cover any expenses in these periods . For the design of the proposed banking Perfectible the same criteria, but the reasoning arises from the inability of the state to keep costs, companies, institutions, grants, financing costs associated with organizational activities and state. These can arise from economic recurrence occurs in periods of at least 50 years. The idea is characterized by the company in terms of use may have the ability to create accounts that have characteristics that enable the economic sectors in extended periods, remain without incomes. In cycles when events leading to chain to economic fluctuations been significant stabilization accounts perímete the state to operate from the economic point of view. For companies this capital may allow the company to operate but on special occasions weight takes away funding from the state on the allocation of liquidity to the reactivation of the economy. One feature that is designed to create these accounts business stabilization is to make the whole enterprise may be able to maintain its economic process and in addition prevents the state from having to transfer capital to making investment activities to be dedicated to keeping the system running will be redirected to activities that allow the recovery of the economy. Finance Company to the State: as explained above, does not lead to a re view of what would be the accounts of economic stabilization and as the state funds periods of economic crisis, this concept is presented, the operation of the allows the capital account can be sent more efficiently to productive economic processes whose characteristics have different types of treatment for the allocation of resources. By creating business accounts liquidity stabilization would normally assigned by the state, this theory would not be necessary as the capital of stabilization would be created in the company, for distribution to economic processes. There is a conception that from the standpoint of economic philosophy allows us to explain that funding for capital, the company would address the state even when the flow of capital does not go directly to accounting State concerned. The explanation about how the state during periods of breakdown of the economy, you have to keep internal processes, addresses the need for this type of account that makes the state to keep citizens on terms acceptable from the point of view their needs. Banking Software Perfectible structure. Software: Concept perfectible is based on the development of systems based on software modifications that will: Preferential Pricing Suggested Definition: To exchange between the business partners. The appraiser Project Lending Rate Set: That will decrease in proportion to the projection of the feasibility and project risk and the characteristics and variables mentioned above. The graphical interface can observe the lending rate to charge the customer (Local Bank Lending Rate Lending Rate + Perfectible). Connect the Bank of Databases Funded Enterprises Set: For the bank, which will be used to calculate and observe, indicators, statistics and warnings in times of economic distortions or production processes of companies. Observe and Calculate: The Client Utility Plus, the Savings Rate Local Banking, Savings Rate Projections Perfectible and Interest Income Statistics, based on the local deposit rate and the Savings Rate Perfectible. Share Ownership: calculate the ideal number of shares owned by the bank so that the share of profits, develop later. Calculate the Number of Companies: What can be financed, taking into account the Utility Plus customer. Graphical interface: Used by the advisory teams, Exa-Groups (Groups), center of economic analysis for project appraisal, planning, monitoring and control of corporate clients and associates to the bank. Graphics Interface: It allows the center of economic analysis, based on information generated by the state, macroeconomics and information direct from companies in information generated by all companies, detect macroeconomic and microeconomic distortions. (Insider). Graphical interface for global expansion. Local Fault Detection: Economic, political, social, unemployment, security, and social conflict-war, continental and global economic distortions and negative externalities are not considered. Business Exchange: Calculations of projected prices suggested, Subdividing Business: In such a way that they can be observed as a whole, statistics, accounting data (income - costs - Debt - etc.). Business Networks: Definition of system variables business network, (Raw Materials - Supplies - Products - Goods - Services - Production Volumes - Grade Product Manufacturing - Production Surplus - Reductions - Consumption of Utilities (Approval of the Company ) - Geographical Areas - Transportation Systems Management (Approval Company) and Public - Industrial Waste - Variables Estate - Person - HR (Human Capital) training, HR (Database) (Approval of the Company) - Organizational Systems (Approval of Company) - Software - Production System (Approval of the Company). Calculation of the effects of individual companies and sectors: On the local economy, the expansion phase calculation of effects on the global economy. (GDP - Social Index - Labor - Poverty - Security). Index CINERGIA improved. Calculating the impact of macroeconomic adjustment: On individual companies by sector and globally. Calculating the impact of macroeconomic adjustment in different countries: on individual companies by sector and globally in crisis situations. Manufacturing Product Rating: That show in its graphical interface, the different possibilities of trade in various degrees of manufacturing, with the intention of detecting surplus time that perishable goods may be damaged, allowing the possibility of marketing products Semi - Manufactured in various degrees of manufacturing, with gains given preferential production time, local prices, production system failures, local economic distortions continental and global structural failure of the local economy overall regional, variations in demand and supply allocations to enable products or commodities in different degrees of development in specific times. In situations of Productive System Failures: Those companies that have a limited capacity (for failure) or in one or more of its production lines there full or partial capacity, this production may be assigned or traded between companies customers Business (Banking perfectible). The allocation of goods between member companies can in periods in which the dynamics in the production and sales dynamics, influence on the income of the organization. The methodology for product allocation in terms of profits should generate enough revenue to cover fixed costs to the overhead of the company maintaining an income to help the same conditions in terms of failures of their production systems. Trade Property: graphical interface that shows which companies are in sales, solvency conditions of debt, debt with the company, fixed assets, automatic valuation of the company, selling price, market, possible preferential sale price and residual value. Technical specifications of land, buildings, warehouses, factories, local registration data, etc. Through Interface Definition Graphics: calcification of standardization and quality levels. WEB resources. Stabilization Fund and Compensation-Corporate Banking-Perfectible: The show interface, compensation funds of each company, compensation funds at sectoral and global hedge funds. These projects have been Exposed to teachers at the University of Carabobo and acquaintances, have not been considered in its fullness. Concept "V" The term "V" is based on processes and energized movements that tend to order but methodized planning by all members of the system and taking into account all the organizations that are in dynamic relationship, so that the designs match the general operation. Trying to predict how the subject with growing needs and growing population can from the point of view of the limitations imposed by the system, achieving a standard of living that can improve over time, but with distributions for the growth of their populations disorganized, the concept of "V" seeks a density distribution and dispersion can be organized as much as the solution to the dispersion process collapsed, which will tend to improve performance in all processes, the scattering theory tends to expand the subject of schools, but this expansion is not in collapsed systems ordered, so that the spaces that can give the same product dynamism are usually centralized system arranged in the center and less dense in the periphery, the spaces can be used to create units that are in desirable end in relation to population needs, which will make the units and the subject is attracting but remembering that the orderly dispersal makes building needs units is estimated based on the needs for statistics (surveys), this give an idealized location of places in areas that can result in blocks, then it may be determined based on the available physical space an actual location of micro organizations. This basic theory can give us the possibility to develop systems for their operation produce effective and sustainable solutions in time, only solutions that are limited to short periods of time, these solutions are usually planned to maximize the ergonomics of organizational processes taking note that they are demarcated from all subjects that make up society and therefore processes, always make the company collapse or production limit longer effective. Experimental Concept Center Periphery - Periphery Center "V" Expansion of the banking system improved. This concept is designed as part of a possible solution to collapsed systems where the sequential variables (physical space business, people, times, distances and travel in large geographical areas with little access roads and geometrically planned well designed), tend to reduce efficiency, effectiveness, overall system cost income, results-comprehensive general operation of the system. Center-periphery agglomeration in static sites percentages of people who are in transit, taking into account rush hour, taking them from the centers to the peripheries and also transfers some changes and operations activities of companies or organizations that are capable of being sent to the peripheries. This suppression by agglomeration affects the whole population of subjects in traffic flow on the road, holding them for periods of time in certain areas tend to be located on the outskirts of the central space of the cities. The experimental concept of displacement seeks to improve the road system, particular production processes in dynamic relationship with all people and organizations in general, taking into account the resulting economic dynamism that the concept is that as large as possible, stress reduction and a of the most important considerations as affecting the company in particular and the whole. The company in particular at least from the theoretical point of view would remove complexity of operations and would simplify its structure by sending to the peripheries processes or activities that are likely to be consumed or needed at times designed to use more efficient, simpler case that the transfer of business processes in particular, general effects on each unit of ergonomics in relation to micro units, reflecting the overall dynamic effects affecting the overall system. It also puts the services available to consumers who are usually traumatic from the point of view of consumption, process, process time and time sales, making the experience of the subject a consumption experience (buying) more enjoyable. When we talk about sales we imagine a company that has conducted a market study and that from the standpoint of this disc engineering and yields is feasible, in designing these companies based on revenue projections made based on scenarios taking into has simple probabilities, but in the context of experimental center-periphery concept we could ask what if these probabilities tend to be increased by from the point of view of advertising, business model design, marketing and scenarios increase with the time trends that may have increases according to their efficiency, effectiveness, product quality and costs, which for us are usually the normal income increases (statistical sense), and the latest odds cambiasen for more complex, ie they saw it increased by a generalist perspective? Another question might be What if these probabilities only consider the population of potential consumers, not the whole? What if instead of planning the design of business models firms as isolated in the closed system we devised an integral part of a dynamic system? ¿We could make the system faster dynamized producing movements and make the processes, products, sale, and economic growth was faster. The term "V" is based on processes and energized movements but with all members planning and considering all the organizations that are in dynamic relationship, so that the designs are consistent with the overall performance, but how to achieve speed time and economic growth without falling into science fiction?. The fundamental questions that generate this theory "V", seeking to synchronize the system considering the generality of all the special functions that ergonomically, but with a sense of acceleration of time, not natural, ie when a subject is a well-conceived overall or private (X), the duration would be understood, costs, between the time of completion of the process, resulting in a charge for processing time, but by making the outer movements are faster and with less stress, subjects can move more freely in the general system, which would make the subjects they had more time to perform as many activities in different organizations. This leads to a new concept of statistical probability, not to redefine the concept of probability, but by that time the probability deformed by growing at least in theory. By looking externally the overall process all combined process whose probability deformed, have distorted upward trend will tend to distort the overall trend normal. Now as a possible result, the economy should improve at least in theory, but there must be two considerations First, the subject from the biological standpoint, since the dynamic processes can produce stress deformed by labor, which could directly affect the subject as part of their biology, which can produce as many events not necessarily energize the system, whereby the dynamics have an upper limit that must not be exceeded on the basis of biological consideration. The second influencing labor stress or fatigue, could be canceled with the use of more subjects which carry out activities to avoid the product brought about dynamism. However, in terms of the physical biological limit must be in line to limit the system dynamic and growing population. Ie should produce enough momentum to the growing population, an orderly flow on space faster in constant, dynamic deformed must be estimated statistically, but this estimate should be calculated taking into account the limits of geographical areas, this would be the variable that limits the entire calculation as not having more geographical area, population and economic activity would shift to other geographical areas, which would create new systems and in turn the center-periphery or periphery design center, ordered as the displacement of the new geographical area. You might ask and what happens if the system is very dynamic and there is no subject to do the work, probably the companies in accordance with the existing human capital and poor should raise wages and improve working conditions for individuals who need options work to satisfy their various needs, but in a system that is considered large and that is very dynamic, the trend of population growth could accelerate if it has a limit, so that subjects would perform the job transfer, would be born or appear in other systems. The natural tendency of the systems that produce capital, attract money is subject to higher economic returns Third Allocation of income you might ask and what happens if the system is very dynamic and there is no subject to do the work, probably the companies in accordance with the existing human capital and poor should raise wages and improve working conditions for subjects that need work options to satisfy their various needs, have the opportunity to obtain higher wages and meet their needs in a more full in Latin America this behavior never happens precisely because of this imbalance, which can be understood in a suggested sequential variables (population growth, shortage of work, need to improve wages and working conditions, increasing needs deformed by the stress of accumulated unmet needs) that could serve for the development of complex mathematics, but in a system considered to be large and that is very dynamic, the trend of population growth could accelerate if it has no limit, so that subjects would perform the transfer of human capital working in areas not considered within the overall system could not perform the transfer for many reasons. Population growth should be a limit, this is in line with planned population growth policies, but this consideration is beyond the experimental and the concept is not part of center-periphery periphery account planning center or cross grid as the planning population growth include the need for prior education and this growth is limited only if there are limits difficult to establish in human groups. And when there is effective planning of population growth, steady and controlled, the experimental concept described in this experimental concept, it tends to disappear because it is unnecessary since the order of the overall system produces ergonomics and this translates into foul trouble. Three designs new geographies or physical space, theoretically tend to be planned more efficiently, making the center-periphery periphery tends to center more orderly spatial distributions continue mutating the center-periphery concept center periphery a possible solution would be overwhelmed by a concept systems distributional statistics, which is explained by the Concept Experimental Dimensional Grid Traversal "V", which is an improvement to the existing grid concept, by a phenomenon collapsed, planned from the beginning, considering all the variables involved in the system, establishing the limits required in terms of geographical area and population growth. The natural tendency of the systems that produce capital, attract money is subject to higher economic returns, the existence of unconscious needs produces shifts in the system in which the subject for his psychic configuration to accommodate these needs. Without going into serious feasibility studies (time, distance, statistics), the percentage of population that would normally be moving on the tracks when it refers to schools would disappear as the study of geographical maps shows that the offset is the periphery toward the center where there is road blockage or collapse in three key times of the periphery toward the center in hours between 6:00 a.m. to 8:00 a.m. the center with peripheral fluctuations from 11:40 am to 3:00 pm and 5:00 to 6:30 pm from the center to the periphery, as general behavior, taking into consideration that the population grows schedules tend to come together to form a single crash. As we know the costs and processes an organization conceived in terms of design, physical facilities, processes, distribution, materials, commodities and capital, are high and require planning and foresight. One of the limitations is the cost that results from the use of financial capital for installation and operation. Companies that have complex processes usually can not be divided or placed in geographical locations that are accessible, especially if these have spatial characteristics that legal regulations can not be located in downtown areas, in this sense there are also companies whose characteristics can be located in central locations but that subjects in both cases not easily accessible because the normal conception of cities in Latin America history except in rare areas usually epicentric growth, ie from the center towards the periphery. As the subjects in the working hours always move at least as normal from the periphery to the center and from the scepter to the periphery, taking into account working hours, especially in big cities. This leads us to create a system that adapts to the behavior and as companies and organizations have their story to limits on physical plant and the population always grows at the edges leads to design companies that can be fragmented in the activities that are likely to be fragmented and these be submitted as micro organizations whose cost is much lower than that of a parent organization. The cost of micro organization will be based less than a normal organization and activities will be sent to the ends chosen for their characteristics. Vs Periphery Periphery Centre Centre: the concept is extended taking into account the routes and schedules, so that center-periphery, worked for some companies and schedules, but there may be some that are capable of a reverse process ie organizations whose processes can be fractionated and then the analysis is determined that the fragmentation process, ideal for transferring these from the periphery to the center taking into account the company's activities and schedules. However, the overall design (target) Experimental Concept Center Periphery - Periphery Center "V" is the decongestion of collapse by the removal of a mobile population. The method proposed for the fragmentation, should focus on the analysis of business processes, products and services, this analysis will determine if the processes are dynamic and ergonomic, if there are delays, accidents or breakdowns. But considering that even when companies are not collapsed, its products, services or the possibility given market research determined that consumers tend to buy more often the product to be placed closer to specific locations in the peripheries. The fragmentation process at least from a conceptual point of view should be planned between the state and the company to achieve the desired effect is fluency and overall ergonomics of the systems is achieved. We understand that business processes and even when planning often not accurate, it is difficult to predict the growth of a company, but through statistical methods can have a good approximation of future estimates, it is proposed this concept is to analyze the business and population growth, which would determine which is the time of collapse of a company and all, relating to population growth. This consideration should discard the calculations to determine, business transfer fees, which the state could assess, plan and suggest. These fees would propose a maximum number of micro organizations that could be transferred from the center towards the periphery, peripheral centers, relating the number of micro organizations, the times and the percentages of people who are in transit, which would achieve the occurrence of efficiency and effectiveness of the general and specific systems. Some other considerations to be taken into account when designing this concept are. Roads. Schedules. Business processes, products and services activities. Set. Special features of Election Activities: These activities should be chosen taking into account as you design organizations products and services. These products and services must be eligible to take into account as conceived business models, products and services can be split. These would be sent to the peripheries how are you taking into account organizational activities can produce a flow of subjects belonging to the system. V O center is looking for a better performance of business processes and the whole population, cost reduction activities and to move only transferable with special characteristics. Even when a company could decide to transfer activities to the periphery of the idealization of the concept aims to search for standardized rules as the actual ergonomismo (speed, displacement, time-saving performance, stress reduction, increased general and specific economic activity ), would be given by statistical concepts and many theoretical concepts from other branches of knowledge well known. Experimental Concept Center Periphery - Periphery Center "V" As the banking system problem is a problem of collapse of the physical plant of steady population growth and the solutions are limited in statistics or mathematical foundations can tend to be more ergonomic in the distribution and internal processes of the bank but still have a limit so they tend to collapse, but the little external flow (environments with limits), (access roads, parking, possibility of having our own vehicles, etc..), make these solutions are more difficult to predict and design, that the general trend is the collapse. For the application of concept experimental field study, we chose a banking organization, because organizations that are collapsed by the limit of the physical plant with peripheral population growth. The general idea is to make the organization more efficient and effective taking into account the whole population. Going a little further by collapsing banks where we are working quota is a fixed number of operations, service concepts (number of tikets), thus individuals who have planned activities in the banks did not arrive on schedule in line with fees, lost the ability to perform its operations. This causes the system to crash every day. Fragmentation Activities: change non-monetized service activities to the peripheries. The chosen activities are service activities related to banking services. Schedule Changes: micro banks allow the user to use another time causing it to reduce your stress can make trades near his home at times that favor them directly, but they remain the whole population, collapse of the tracks, and dynamic stress economical. Security risks: security risks are minimal or lower depending on activities chosen, because the micro banks would handle any cash or if necessary minimum quantities that the transfer activity in our view would be the preferred opening savings accounts as there are customers who can not or do not have mobility to the convenience centers could open accounts in any of their names at the ends of the system. Trasferirían but also services such as obtaining bank records, papers of long-term investment, financing and other characteristics as the bank. The security risk would be low in the lower monetary activities, but this could be solved by designing an armored tank system that can send the money collected by the processes according to a criterion MONETARY AMOUNTS SAFE. Consumers Increased Potential: From the standpoint of service consumers or potential depositors of the savings account services to small amounts of stocks of micro banks in strata including 19 to 23 years, could influence the decision of a disturbance account by the bank could increase its capital and earn higher returns on investments taking into account the statistics exist that would circulate a variable percentage of randomly disappear also causing flow areas. Experimental Concept Dimensional Grid Traversal "V" For the design feasibility seeks a future ergonomic system integration in many planned road systems in the world have used the geometric shape or GRID (grid), ie pathways that are designed based on square, these are markets on geographical area report so that the space is maximized. The squares are distributed so that its location advantage as much space. The logic of the road system or grid GRID explains that having straight and parallel spaces is constant movement and neater. This idea arises from the thought of sprawl in ways which have no definite shape. Obviously logic and displacement in the process and reports that have no specific order should be less efficient and more time should be considered, ie the routes are slower and tend to collapse. Considering this we have individuals who travel the roads have less time to plan their activities and also the approach of the activities is based on vector displacements curved, planned and unplanned, which includes subject suffering additional stress states. With respect to the displacement vector is known that the displacement vector is directed and straight, but for the compression of this vector system to bend a distance in length and increases the running time as well. No clutch apply this concept to the viability Nuovo and apart from the dome there are points of acceleration and deceleration and accidental events in theory enlongan distances and time and stress. The GRID is a more uniform displacement easy to measure, estimate, predict and programming of traffic lights. The cross is provided by three-dimensional layers, ie stories that run the grid (grid), transversely, from one extreme to another at defined points these floors or air corridors avenues type, distributors or possess mini ramps. The objective would be to streamline the system as their only road delays are distributors or ramps. This population growth until the system collapses, but what is sought is that the system is relieved until the geographic area but does not support population growth and the growing new population, tend to target new physical spaces to form cities, so in the new towns planned center will have a periphery which in turn tend to concentrate populations from the beginning to avoid overburdening the schools. When we consider several nearby nuclei with plannings center-periphery, the subjects of one city or another need not necessarily go to the centers and the idea is that even the micro banks are in the suburbs, will be placed in paths that they traveled would remove population percentages in transit. Theory of Curvature of Space. Juan Carlos Vallejos. Which is explained by the Schrodinger cat experiment or the paradox of Schrodinger. The experiment is based on the physical possibility of a particle to be in two places at once with SPIN hand and depending on the theory of design of experiment. To combine possible events that are based on theoretical concepts of philosophy. The theory of the curvature of space is created based on the theories of relativity and quantum mechanics and to take all possible solutions to a problem, to sense the description of chaos conclusions speculate on the interaction of the variables . In particle accelerators sub behavior of the shock resulting particles behave such that when a particle in space is a SPIN in a theoretical point in space (absolute vacuum) and another point distant from the space will have a opposite charge. This behavior is explained by the charge conjugation (C). The operation of charge conjugation, are said to have symmetry c, ideally practicable on a system of particles and particles consisting of dynamic, where the features are the same as those of the quantum theory. L to charge conjugation (C) and P symmetry explain the relationship of the theory of relativity and the theory of quantum mechanics. In physical conjugation of the load (C) is an abstract operation ideally practicable on a system of particles each particle consists of changing its corresponding antiparticle. Since a particle and its antiparticle have opposite charges, to perform the operation load of all neutral particles is reversed, hence the name charge conjugation, but particles in different parts of space may have a similar behavior. The symmetry P said that the laws of physics remain unchanged under mirror investments, ie, particles in different parts of the space change their charge according to an event in which the particles are subjected to the actions of quantum mechanics. The universe would behave like its mirror image (for this theory this symmetry would be evidenced in the hypothetical possibility that a point in space when the space is a space curve on the other side would work as a mirror reverse. The CP symmetry is a sum of both. The theory dela classical quantum mechanics is concerned with particles but the curvature of space implies the existence of states of organization of materials for space-time spectral interactions of hyper-chaotic systems that involve clusters of matter and particles, which are not observable and that enable the acceleration and energy to bend space. When a certain amount of material occupies a region of space this time causes the deformation space for the conception of large amounts of gravity. Where matter is agglomerated by atomic attraction and deforms space on them. The deformation is characterized by the metric tensor that satisfies the Einstein field equation. The curvature in space on a journey of a space-time to another happen in a double curvature considering having the possibility of particles in the universe have different places but are otherwise SPIN been generated from the same source , even when the interactions between large numbers of particles, atoms, forces and energy, may allow the creation of particles whose sources are not been the same, in any event that happens at the quantum level, in a region of space would have an effect must balance the system, this effect is usually bound by the symmetry C, the system is the universe, this curve is as if you take two-dimensional spaces placed in parallel, and trying to unite with the middle finger of the paper until join in the center, this effect would cause a ship to pass from one space to another time or from one universe to another, the theory is chosen to explain the conception of the universe (multiverse theory - string theory), without time draw back or paralyzed. To analyze the curvature has to explain Einstein's conclusions that you exist the possibility of tunnels (wormholes) by which you can make time travel in space when the trip is theorized acceleration which integrates theories and classical theories of Einstein and Bor, quantum mechanics and relativity theories. Could be explained as in remote regions of space singularities occur that allow this type of travel, specific singularity found in this theory is the possibility of disrupting the space-time for power generation and production of vacuum. In the theory of the curvature of space, the idea revolves around the friction that occurs Cundo scrolling through empty space, which contains energy, fields and particles rub this in some way, producing energy at high concentrations, as there this energy is assumed that the matter is being destroyed by friction (particles), is producing different effects on the system (universe), one of the ideas that complement this theory is the possibility to liberate this energy, are causing regions space containing neither energy and matter fields. The characteristic of this curvature to us as from the theoretical point of view, sub particles that may appear in different places of the universe, the curvature that arises in this hypothetical experiment, does not explain that particles could behave normally reverse presented by displacing movements particles emitted from sources. This movement usually occurs from a scepter out, could be a reverse movement which in terms of distance and space, resulting in a curvature opposite to that produced by the dynamic interplay between forces, energy and matter. The DYNAMIC THEORIES OF EMPTY (QUANTUM MECHANICS) This could cause lack of content, which ends the universe is traveling through interaction of energy, dynamic friction particles and forces. Weight forces against the energy produced in the vortex and the vacuum would exist for destruction of material, could be achieved breaks states of matter as antimatter or matter (general quantum), which are needed to balance the system. In some experiments the CERN particle accelerator events have occurred where there are jumps of sub particles which disappear after being colliding particles. Tensile Forces Theory Systems Integration Einstein Caticos Hyper-Bor. Juan Carlos Vallejos Theory that explains how particles in different parts of the universe can be influenced, which specify the jump of particles with an interlaced or spectral SPIN (Einstein - Bor) and how are you affecting the operation of systems HIPER chaotic. Dynamic variables are taken into account are, forces, fields, space and energy from the point of view of the theory are the fabric of space. Assuming that the amount of energy defines the possibility of creating atoms and particles. Additionally, the tensile forces produced by interaction rub different types of effects on the overall system. Dynamic Empty theories (quantum mechanics). Juan Calos Vallejos. In systems in the gaps that are produced by the friction from the dynamo can theoretically produce extinction. Based on this course develops the theory that explains how the dynamic forces that influence the overall system produces fluctuations that tend to fill the gaps. Since prevailing wisdom is that a ship is able to accelerate to the speed of light travels a distance in such a short time that the perception of time changes, but some scientists think that this trip makes the environment that inside of this ship would feel the effects of time as time off the ship advance, because the concept of travel at the speed of light, do not include the curvature of space if not through a wormhole and the vortex is not explained, for producing a vortex in space requires a lot of energy capable of achieving this opening, this concept of travel the vortex is an opening which is caused by the curvature is achieved by generating energy in the vortex by the friction of matter, forces, subatomic particles. Could be that at the time of the creation of the universe known as the Big Bang explosion, had not occurred as a sphere if the explosion could have occurred as two areas. These outbursts may have produced different dimensions in which quantum physics similarly official and opposite at the same time. The existence of antimatter could be explained with this theory, antimatter is considered as a subject which has characteristics totally contrary to the matter so both could not exist on the same space as the meeting would produce an explosion or touched yet for the universe can be balanced only with the explanation of the existence of antimatter, it is conceivable universe in which we exist. In particle physics, antimatter is the extension of the concept of antiparticle. Thus antimatter is composed of antiparticles, while ordinary matter is particulate. For example, an anti-electron (an electron with positive charge, also called a positron) and an antiproton (a proton with a negative charge) could form these subatomic particles an atom of antimatter. The contact between matter and antimatter would lead to the annihilation of both, leading to high energy photons (gamma rays) and other particles and antiparticles.