Since 1990 the different names of these products have been:

SCEP, BDPT, HYIP, PPP, FILT, PI

1.- HISTORY OF THE BANK INSTRUMENTS OF INVERSION AND HIGH YIELD PROGRAMS

The term "Banking securities for an investment program" is one of many terms which describe the bank investments. The term "Bank investment" is related to transactions which involve the exchanging of financian "Instruments" (documents) for economic gain.

To make a historical-practice approach of the present situaction, we must remember world situation in 1944. In that year  it was clear that, except Switzerland, USA and Canada, no country with important economic weight could serve as a major engine for global reconstruction after the end of the second World War.

How to rebuild the infraestructures, cities, production systems, and everything that was devastated by war? How to mitigate the enormous human misery produced? Half of humanity was devasted.

The solution came from a relatively small group of 730 Western economists withe great economic and social vision. They met in USA in a small town called Bretton Woods where they planned the reconstruction with solid basis for the economists of European and Asian pro-democratic countries. They were led by Mr. John Marylard Keynes, in what was named " The Bretton Woods Agreement".

At that time, the largest gold reserves in the world were held by Switzerland, USA and Canada. These were the only industrialised countries in the Western hemisphere wich have intact economies, banking systems and treasuries. It was necessary to create, redistribute and deploy the wealth acces to those countries that were devastatd and were in negative parameters. It was necessary to avoid the wealth concentration; wealth had to be redistributed again.

It was agreed that USA would be the world banker, the american dollar would replace to the pound sterling as the reference currency for international transactions, with its value based on gool faith and credite of the USA.