Dissertations / Theses on the topic 'Contratti bancari'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 dissertations / theses for your research on the topic 'Contratti bancari.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse dissertations / theses on a wide variety of disciplines and organise your bibliography correctly.
GAGGERO, PAOLO. "La modificazione unilaterale dei contratti bancari." Doctoral thesis, Università degli studi di Roma "La Sapienza", 1997. http://hdl.handle.net/10281/35365.
Full textPastrello, Sabrina <1988>. "Pubblicità e responsabilità precontrattuale nei contratti bancari." Master's Degree Thesis, Università Ca' Foscari Venezia, 2012. http://hdl.handle.net/10579/1953.
Full textPadovan, Andrea <1991>. ""Nullità dei contratti bancari per difetto della forma scritta"." Master's Degree Thesis, Università Ca' Foscari Venezia, 2017. http://hdl.handle.net/10579/9992.
Full textFloris, Antonella <1984>. "I contratti di finanziamento non tipicamente bancari e il credito all'esportazione." Doctoral thesis, Università Ca' Foscari Venezia, 2013. http://hdl.handle.net/10579/3962.
Full textThis research aims to give a legal analysis of some agreements which are widespread in international trade to finance and to facilitate exports. With the exception of some restricted area, they are not ruled by the Italian law, so that the interpreters have to face to the issue about the types they belong to and abut their regulation. The first part of this work concerns the investigation of the notion of “causa” of the contract through the various attempts to draft a uniform code of the law of the contract, both at an European level and at an international one. In the second part the author deals with the contracts of forfaiting, project financing and international factoring. They are deeply different agreements – which have been sometimes objects of international conventions – that, however, appear connected by a common purpose of financing.
GIULIANI, SAMUELE. "FORMA E NULLITÀ DI PROTEZIONE NEI CONTRATTI FINANZIARI." Doctoral thesis, Università degli Studi di Milano, 2021. http://hdl.handle.net/2434/850498.
Full textThis study aims to analyze the new formal requirements of contracts introduced by special legislation, together with the connected remedy of “protective nullity”, in the perspective of their respective functions. Through the regulation of relationships with disparity of contractual power, the legislator acknowledged the needs emerging from the changed economic context, where real estate property is no longer central, given the rise of a dynamic, competitive market of products and services, where asymmetric contracts prevail; in this context, the most relevant asset is information, held by the “strong” professional party, towards which the other party is in a position of structural weakness. In this situation, the form of the contract is no longer only aimed at guaranteeing certainty in the circulation of property: it becomes an instrument for reducing information asymmetries and ensuring the transparency of the contractual contents, with consequent promotion of the order, the efficiency and the competitiveness of the relevant market. The same protection purpose inspires the nullity provision, which limits the right of action to the weaker party only. Therefore, the “protective” form and nullity of the contract will be analyzed in a joint and interconnected study, carried out with specific reference to the financial sector, which represents a fertile field of investigation for the examination of the critical issues regarding the connection between special legislation and general rules set forth under the Italian Civil Code. This analysis, to be carried out by doctrine, proceeds together with the process of gradual review of the general categories of civil law. In such perspective, this study investigates how the enhancement of the function of law can contribute to evolve legal categories, in order to provide adequate answers to the problems arising in the modern economic reality. This approach is also endorsed by a recent ruling of the Italian Supreme Court, which seems an expression of a renewed “jurisprudence of interests”. The above-mentioned analysis starts from the study, in the first chapter, of the evolution of the functions of the form of contract. The second chapter is dedicated to the in-depth study of the form of financial contracts, carried out by analyzing the characteristics and limits of formal protection in such field, as well as its integration through the provision of specific information and conduct duties of financial intermediaries. Among the issues which arise from the formal requirement, particular attention is paid to the validity of financial contracts signed only by the investor. The third chapter focuses on the protective nullity provided for investment contracts; it is dedicated, in particular, to the issue of possible abuses of the advantages granted by the legal system to the weaker party, with specific regard to the so-called “selective” claims. The study tries to suggest solutions aimed at avoiding a dysfunctional use of the protective legislation, which occurs when such rules are exploited for purposes other than those envisaged by the legislator. On the one hand, the enhancement of the specific functions of special legislation is useful in order to guarantee a consistent interpretation and a renovation of the traditional legal categories of form and nullity of the contract; on the other hand, such approach allows to prevent an opportunistic use of the rules aimed at protecting the weaker party, which would have disruptive effects not only on individual contractual relationships, but also on the system as a whole. In the specific field of financial intermediation, the considerations above demonstrate the unfairness of legal actions based on the nullity of the financial contract, when proposed in the absence of a real information harm, for the sole purpose of obtaining the return of the sums used for disadvantageous investment transactions, regardless of an actual lack of information or inadequacy to the investor’s risk profile. Lastly, the analysis carried out offers a contribution to the study of the limits of formal protection, especially in sectors such as the financial one, characterized by an intrinsic high complexity of the products and services under offer. In light of the evolution of legislation and regulation, it is now clear that information transparency, conveyed by the contractual document, is necessary but not sufficient to ensure a substantial protection of the weaker party. This outcome inevitably requires the effective compliance with the behavioural duties of the professional party.
SAAVEDRA, SERVIDA BLANCA IGNACIA MARIA. "DISCIPLINA DELLA NULLITÀ CONTRATTUALE E PARADIGMA DELL'OPERATIVITÀ A VANTAGGIO." Doctoral thesis, Università degli Studi di Milano, 2020. http://hdl.handle.net/2434/784603.
Full textJovanelle, Valquiria de Jesus. "Aspectos jurídicos dos contratos eletrônicos." Universidade de São Paulo, 2012. http://www.teses.usp.br/teses/disponiveis/2/2132/tde-30102012-094950/.
Full textThe development of technology and, specially, of internet, has altered the mechanism through which individuals relate to each other. Given that the Law follows the humanity development, the contracts have been equally modified. Internet started to occupy significant space in the contractual relationship modus operandi, which went from the physical reality to the electronic reality. This study aims at verifying the impacts suffered by the contracts due to the internet development. In this sense, it shall be studied issues relating to the characteristics of contracts in general and electronic contracts and the validity of the latest, referring to the electronic banking loan contracts as an example of electronic contracts.
Peuchaud, Jean-Gabriel. "El contrato bancario frente a los nuevos desarrollos de la actividad bancaria considerado en Francia y en Chile." Tesis, Universidad de Chile, 2004. http://www.repositorio.uchile.cl/handle/2250/106773.
Full textHoy día, el negocio bancario se enfrenta con varios desafíos debidos a la importancia que han cobrado las tecnologías de comunicación y de transmisión de datos. Por eso, estos temas me parecieron interesantes puesto que, además de presentar los distintos sistemas legislativos que existen en Chile y en Francia, permiten demostrar que la actividad está siempre evolucionando hacia nuevos servicios al público o a las empresas, para que el negocio del dinero, esencial en este mundo que se uniformiza de manera bastante rápida, no se quede atrás y permita a las economías crecer más rápidamente.
Pessoa, Carlos Levi Costa. "A boa-fé nos contratos relacionais : análise da solução cooperativa para a preservação do equilíbrio nos contratos bancários." Universidade de Fortaleza, 2013. http://dspace.unifor.br/handle/tede/91409.
Full textApplication of relational theory and cooperative solutions to preserve the balance in bank contracts. The research aims to analyze the relational theory, demonstrating the interaction between the principle of good faith and cooperative solutions to harmonization of conflict in long-term contracts. From studies of this foreign doctrine is intended to highlight the new negotiation techniques adopted in the consumer banking relationships, better able to meet current socioeconomic transformations. From a sociological point of view, the relational theory gives importance to every act, relation and aspect of the context surrounding the contracting parties. Thus, it is recognized that banking relationships appear substantially in the cases of revision of contracts in the Brazilian courts, but not always legal decisions to answer expectations of the consumer connected to the contract. This text presents the main characteristics and advantages of relational theory, especially when it proposes to harmonize the conflicts in banking contracts. This is a qualitative study, whose methodology is effective by means of literature and doctrine, both internally and externally, establishing a dialogue between relational theory and traditional contract theories. With such scope, the research emphasizes the relational theory and the contractual model object of its study, called the doctrine of relational contract or long-term contract, outlining its concept, forming elements and characteristics. The investigation also performs analysis of bank contracts and its suitability to the modality of relational contracts, as well as the connection between relational theory and the principle of good faith. At the end, the work highlights the cooperative solution of renegotiation as more efficient to face the problems that threaten the continuity of the contractual bank relationship, considering the guidelines set by the application of relational theory. In conclusion, it verifies that the relational theory provides efficient solutions for harmonizing the conflicts that arise in long-term contractual relationship, especially by making use of legal principles such as good faith, with large support in the brazilian legal system. Keywords: Contract theories. Relational theory. Bank contracts. Good faith. Cooperative solution.
Aplicação da teoria relacional e as soluções cooperativas para a preservação do equilíbrio nos contratos bancários. A pesquisa visa a analisar a teoria relacional, demonstrando a interação entre o princípio da boa-fé e as soluções cooperativas para harmonização dos conflitos nos contratos de longa duração. A partir de estudos dessa doutrina estrangeira, pretende-se evidenciar as novas técnicas negociais adotadas nas relações bancárias de consumo, mais aptas a atender às atuais transformações socioeconômicas. Sob um viés sociológico, a teoria relacional dá importância a todo ato, relação e aspecto do contexto que rodeia as partes contratantes. Assim, reconhece-se que as relações bancárias figuram substancialmente nas lides de revisão de contratos na justiça brasileira, mas nem sempre as decisões judiciais conseguem atender às expectativas da parte consumidora ligada ao contrato. O texto apresenta as principais características e vantagens da teoria relacional, mormente quando se propõe a harmonizar os conflitos nos contratos bancários. Trata-se de um estudo qualitativo, cuja metodologia efetiva-se por meio de pesquisa bibliográfica e doutrinária, tanto no âmbito interno como externo, estabelecendo um diálogo entre a teoria relacional e as teorias contratuais tradicionais. Com tal escopo, a pesquisa dá ênfase à teoria relacional e à modalidade contratual objeto de seu estudo, denominada pela doutrina de contrato relacional ou contrato de longa duração, delimitando seu conceito, elementos de formação e características. Ela também realiza a análise dos contratos bancários e da sua adequação à modalidade dos contratos relacionais, bem como da conexão entre a teoria relacional e o princípio da boa-fé. Ao final, o trabalho destaca a solução cooperativa da renegociação como mais eficiente para enfrentar os problemas que ameacem a continuidade da relação contratual bancária, considerando-se as diretrizes indicadas pela aplicação da teoria relacional. Em conclusão, verifica-se que a teoria relacional apresenta soluções eficientes para a harmonização dos conflitos que surgem na relação contratual de longa duração, especialmente por fazer uso de princípios jurídicos como a boa-fé, com amplo respaldo no ordenamento jurídico brasileiro. Palavras chave: Teorias contratuais. Teoria relacional. Contratos bancários. Boa-fé. Solução cooperativa.
Castro, Salinas Javier. "Algunos aspectos referentes al contrato de cuenta corriente bancaria." THĒMIS-Revista de Derecho, 2015. http://repositorio.pucp.edu.pe/index/handle/123456789/109662.
Full textArana, Courrejolles María del Carmen. "La cláusula abusiva en los contratos bancarios." Foro Jurídico, 2017. http://repositorio.pucp.edu.pe/index/handle/123456789/120103.
Full textDomingues, Jane Aparecida Stefanes. "Contemporaneidade contratual e legitimidade dos contratos bancarios." reponame:Repositório Institucional da UFSC, 1994. https://repositorio.ufsc.br/handle/123456789/106390.
Full textMade available in DSpace on 2013-12-05T20:20:47Z (GMT). No. of bitstreams: 0 Previous issue date: 1994Bitstream added on 2016-01-08T18:59:50Z : No. of bitstreams: 1 96056.pdf: 1668385 bytes, checksum: 28a6ef6fc96f0b7130f38d3438f24896 (MD5)
Os contratos são um dos históricos instrumentos jurídicos de todos os tempos, em contínua transformação. Pela importância que os contratos ocuparam no meio jurídico, pelas suas adequações ao tempo e espaço, este trabalho pesquisa-os desde a gênese contratual até a contemporaneidade. Busca na eqüidade o parâmetro de Justiça contratual, os anseios sociais de equilíbrio e igualdade; transportados para a esfera do princípio da eqüidade, que pela sua flexibilidade, dinamiza o direito, não o deixando estagnar-se numa fórmula rígida e definitiva. A discussão e a pesquisa de várias situações sócio-econômicas abordadas nesta dissertação, a partir da evolução da sociedade e de seus novos paradigmas, tenta avaliar o desvirtuamento contratual, face à face do Direito, imposto implicitamente pelo desenvolvimento do capitalismo selvagem. Em razão disso, postula-se que as novas estratégias e padrões legais vigentes, se amoldem realmente à necessidade social, sem a mascaração de institutos jurídicos, voltados para a ordem social, porém manipulados pelo grupos políticos e econômicos. O conceito de contratar, analisa as novas propostas sociais, as mais condizentes com a justiça e voltadas para adequação do Direito à realidade sócio-econômica, pois os padrões estabelecidos pela intervenção estatal não correspondem aos altos desígnos da sociedade. Suscitando neste trabalho muitas técnicas de aperfeiçoamento contratual, aspirando sempre a justiça, na sociedade contemporânea, que reside, diante do descompasso entre os oligopólios e a sociedade dependente. Embora a intervenção estatal ocorra no sentido da Ordem Social, não encontra esteio nem eficácia para suas fórmulas mágicas nos meios sociais. Este descrédito nas instituições administrativas pelo Estado leva as massas a se organizarem em busca de reformas baseadas na correta realidade, com diretrizes eminentemente sociais. Conseqüentemente, a busca da integração da eqüidade ao Direito, surge de diferentes modos, desde as normas, pois quando estas não respaldam a integração, partem para outros meios, que na maioria das vezes desembocam no Judiciário, em busca do reequacionamento da norma imposta para a realidade social, ou mesmo através de outros instrumentos de cognição real da atualidade. A hipótese básica do presente trabalho é a proposição de uma reestruturação do Direito, tendo em vista não meras reformas baseadas em instituições unilaterais, mas numa adequação dos instrumentos jurídicos já utilizados pelo meio social e Judiciário, com base na contemporaneidade dos problemas invocados pela massa manipulada pelo poder econômico, que predomina neste país.
Yáñez, Figueroa Nicolás A. "Los contratos de créditos sindicados." Tesis, Universidad de Chile, 2009. http://repositorio.uchile.cl/handle/2250/145166.
Full textRibeiro, Ana Cecília Rosário. "Mútuo bancário e vulnerabilidade do consumidor idoso analfabeto." Pontifícia Universidade Católica de São Paulo, 2016. https://tede2.pucsp.br/handle/handle/19268.
Full textMade available in DSpace on 2016-11-01T11:25:52Z (GMT). No. of bitstreams: 1 Ana Cecília Rosário Ribeiro.pdf: 2233630 bytes, checksum: c41b7fb3d479b911fd07c1d907dbc976 (MD5) Previous issue date: 2016-08-14
Private autonomy in payroll loan contracts is restricted to the applicant decide whether to be subjected to conditions imposed by the pre-written contractual clauses set forth by financial institutions. In order to resolve whether to enter into a contract it is necessary that the individual understands its provisions. No sooner, will one realize difficulties that may be faced by the elderly and illiterate consumer, who do not have the means to know and understand, by himself, the contents of the financial contract. Consumerism law requires, from the supplier, loyalty and duty to provide all information requested by the consumer as a result of the rules listed in Articles 46, 52, I to V, and 54, § 3, of the Consumer Protection Code, as well as the principle of good- faith described in articles 4 and 51, IV, of the same law. Rule and principle are complementary therein, but day-to-day reality of the elderly and illiterate shows that the effectiveness of these rules is greatly compromised. Lack of complete information to the elderly and illiterate consumer compromises the free exercise of their expression of will, since it is not backed by the essential elements laid down by the contract. The focus of this work lies in the fact of asserting the necessity of the applicant or consignor to understand the clauses that he/she will be subject to. In other words, there is a need for an element that qualifies at will, making it a conscious one. This may be accomplished through the aid of a body constitutionally devised to defend the rights, with inalienable social and individual relevance. The Public Ministry, an entity constitutionally created to defend fundamental rights, has the duty to promote preventive measures to safeguard the interests of elderly and illiterate consumers. Prevent the occurrence of disputes and ensure the elderly and illiterate that his/her will is free is responsibility to be undertaken by the Public Ministry. This function of preventing conflicts and preserving the will of elderly and illiterate consumers can be widely exercised by signing terms of adjustment of conduct by Public Ministry and the banks, but also thorough information given to the elderly and illiterate consumers by the parquet member, about the content of the contract
A autonomia privada nos contratos de empréstimo pessoais fica restrita ao aderente decidir entre sujeitar-se ou não às condições impostas por meio das cláusulas contratuais pré-redigidas pelas instituições financeiras. Ocorre que para decidir entre realizar ou não um contrato é necessário que o sujeito compreenda suas cláusulas. Logo se percebe a dificuldade enfrentada pelo consumidor idoso e analfabeto, que não dispõe de meios para, sozinho, conhecer e entender o conteúdo do contrato financeiro. A legislação consumerista exige do fornecedor lealdade e dever de prestar todas as informações solicitadas pelo consumidor como decorrência das regras elencadas nos artigos 46, 52, I a V e 54, §3º, todos do Código de Defesa do Consumidor e do princípio da boa-fé descrito nos artigos 4º e 51, IV, do mesmo diploma legal. Regra e princípio aqui se completam, mas a realidade do dia a dia a que o idoso e analfabeto é submetido mostra que a eficácia dessas regras está bastante comprometida. A ausência de informação completa ao consumidor idoso analfabeto compromete o livre exercício de sua manifestação de vontade, uma vez que não é lastreada nos elementos essenciais que circundam o contrato. O ponto central deste trabalho está no fato de se perquirir sobre a necessidade do aderente ou consignante compreender as cláusulas que o sujeitarão, isto é, na exigência de um elemento que qualifique a vontade, tornando-a um querer consciente, mediante o auxílio de um órgão pensado constitucionalmente para defender os direitos com relevância social e individuais indisponíveis. O Ministério Público, entidade constitucionalmente criada para defender os direitos fundamentais, tem a atribuição de promover ações preventivas no sentido de salvaguardar os interesses do consumidor idoso e analfabeto. Prevenir a ocorrência dos litígios e garantir ao idoso e analfabeto que sua vontade seja livre é atribuição a ser assumida pelo Ministério Público. Essa função preventiva de conflitos e de preservação da vontade do consumidor idoso e analfabeto pode ser amplamente exercida por meio de assinatura dos termos de ajustamento de conduta pelo Ministério Público e as entidades bancárias, mas também com a ampla informação, pelo membro do parquet, do consumidor idoso e analfabeto sobre o conteúdo do contrato
Costa, Ana Carla Abrão. "Ensaios em microeconomia bancária." Universidade de São Paulo, 2004. http://www.teses.usp.br/teses/disponiveis/12/12138/tde-23112004-110054/.
Full textThe present work analyzes specific aspects of microeconomics of banking, concerning the relationship between financial intermediaries and non-financial agents. Three different approaches are adopted. In the first chapter the approach is theoretical. A model of general equilibrium with uncertainty is developed, analyzing the relationship between banks and depositors and the characteristics of the equilibrium deposit contracts. Efficiency and concentration issues are analyzed, in a static context and in a long-term relationship among banks and depositors. Results suggest that deposit contracts observed in equilibrium are contingent to the space of contract possibilities and that it exists a relationship between efficient effort exerted by the bank and no full commitment by depositors in a long term relationship. Chapter 2 makes an empirical analysis of the bank-borrower relationship, contributing with methodological improvements for the decomposition of banking spreads in Brazil. A multi-product cost function for the Brazilian banking industry is estimated and used to calculate the Aumann-Shapley prices for each of the defined banking products. That application of cost allocation to the banking firm allows a better allocation of administrative costs, improving on the original decomposition made by Brazilian Central Bank. Additionally, a more accurate decomposition results from the use of a larger sample and therefore the correction of a serious selection bias present in the original approach. The third chapter concentrates on an institutional discussion about insolvency resolution. The main motivation was the analysis of a specific aspect of the bank-borrower relationship and its impacts on price and volumes of loan concessions. At this point, incentives and efficiency issues emerge and are analyzed having the Brazilian legal system of insolvency reform, now in course, as a background.
SCAGLIA, GABRIELE. "AUTONOMIA PRIVATA E GOVERNANCE NEL GRUPPO BANCARIO COOPERATIVO TRA RAGIONI DI SPECIALITA' E PRINCIPI DI DIRITTO COMUNE." Doctoral thesis, Università Cattolica del Sacro Cuore, 2018. http://hdl.handle.net/10280/50306.
Full textThis Phd thesis deals with the italian reform of the Cooperative Credit Banks, introduced by the D.l. n. 18/2016 (see article 37-bis of the T.U.B.). In an effort to understand the systematic symptoms of the Cooperative Banking Groups and to bridge the fractures between common law and banking law, the research aims three goals. First, identify the space of contractual and operational autonomy within the Cooperative Banking Groups to which, today, the CCB must necessarily adhere to maintain the form of cooperative banks. Second, identify the peculiarities of the CBG - characterized by the presence of a lucrative bank group leader who controls CCB through a "cohesion" contract, whose majority of capital is participated by the same subsidiaries - in relation to the disciplines of the "banking" and "common" groups. Third, understand whether the aforementioned peculiarities are an expression of exceptional statutes based on the special needs of the credit sector or if they rather evoke principles already found in the common law of the group companies. The work is divided in three chapters: the first chapter deals with the reasons behind the reform of the CCB; the second chapter deals with the boundaries of private autonomy within the "common" and "banking" group (mainly contractual) laws; the third chapter, finally, deals with the differences between banking groups and cooperative banking groups. The present work is opposed to certain studies that reckon to the group leader of the CBG a nearly ilimited power, always or only in cases of pursuit of prudential purposes, to controll the subsidaries, even if on prejudice of the subsidiaries’ creditors and shareholders, risking to convert them into "mere branches of the parent company".
Schenberg, Andre Ekman. "A estrutura de capital do setor bancário em mercados com contratos incompletos." Universidade de São Paulo, 2006. http://www.teses.usp.br/teses/disponiveis/12/12140/tde-10102007-150931/.
Full textThe Basel Capital Accord, created in 1988 and reformulated in 2004, defines patterns for the banking sector with the aim of achieving the stability of the international financial system. It main instrument is theuse of minimum capital requirements. This work tries to understand the economic underpining of the Basel Capital Accord and its main inplications. We start with a description of the Accord and explain the role of the minimum capital requirements. We then introduce the main elements of the microeconic models of contract theory and use this models to explain the importance of the capital structure of a bank. Finally, we show how the main results of the models base don the insights of contract theory explain most of the features of the Basel Capital Accord and introduce its main limitations.
Comellas, Goberna Anna. "Los contratos de financiación bancaria con Administraciones Públicas: reflexiones sobre el principio de prudencia financiera y la interconexión del derecho privado y el derecho público." Doctoral thesis, Universitat de Barcelona, 2017. http://hdl.handle.net/10803/457424.
Full textLes Administracions Públiques també interactuen en el mercat amb la finalitat d’obtenir finançament i serveis de les entitats financeres, al igual que les persones físiques i les empreses. Se les pot considerar, per tant, com a clients bancaris públics en contraposició als privats. En efecte, aquestes Administracions estan legalment habilitades per a contraure obligacions d’endeutament amb entitats financeres que després es formalitzaran a través de contractes bancaris. Tanmateix, quan l’Administració Pública, regida idiosincràsicament pel Dret Administratiu, interactua amb entitats financeres, regides pel Dret Mercantil i Bancari, això provoca que els contractes bancaris habituals en el tràfic negocial no puguin ésser-li directament aplicables sense una prèvia adaptació dels mateixos a les peculiaritats del client bancari públic. Aquesta adaptació es troba justificada en el nostre ordenament jurídic per la preferent protecció dels interessos públics, com demostra per exemple la introducció del principi de prudència financera, que limita el cost d’endeutament de les operacions de finançament per a Comunitats Autònomes i Entitats Locals, a la vegada que en prohibeix algunes, i afecta al normal exercici de l’autonomia de la voluntat. A més, aquesta adaptació dels contractes bancaris a la part contractant pública, també arriba fins al règim de garanties aplicables a la concreta operació financera, essent ambdós extrems els que constitueixen les peculiaritats dels contractes de finançament bancari amb Administracions Públiques. De fet i en quant a les garanties, cal partir de la base que el diner públic no pot ser objecte de compensació ni d’embargament. Així, l’Administració Pública, malgrat estar subjecta al principi de legalitat, a l’actualitat segueix mantenint una posició de supremacia en determinats aspectes en l’àmbit dels contractes bancaris, i aquest és el més destacable. També, figures com la penyora i la cessió de crèdits hauran de ser matisades, o altres com els avals i les cartes de conformitat sotmetre-les a una adequada valoració de conveniència, jurídica i pràctica. Doncs bé, l’estudi d’aquestes peculiaritats constitueix l’objecte de la present tesi. Són contractes en els quals es produeix clarament la interconnexió entre el Dret públic i el Dret privat per la interacció que es produeix entre l’Administració Pública, com a part deutora contractant, i l’entitat financera, com a part creditora contractant. La fusió i connexió entre ambdues branques del Dret és necessària per a la finalitat pretesa per ambdues parts, essent l’estudi d’aquesta interacció i l'abans del Dret públic i del Dret privat en aquests casos allò que s’analitza en aquesta tesi. També aportant una perspectiva pràctica i finalista mitjançant el present estudi, sota la consideració de què el Dret ha de ser aplicat a una realitat, que en aquest cas és mixta o basada en una relació público-privada, tot i que sense oblidar que s’està davant d’un estudi acadèmic en l’àmbit del Dret la rigorositat teòrica del qual resulta essencial. Addicionalment, es farà també al·lusió a una altra tipologia de contractes que poden convenir les Administracions Públiques amb les entitats financeres diferents als de finançament: els contractes de serveis bancaris. Estan subjectes a Dret públic en gran mesura i el seu objecte és la gestió de cobraments i pagaments del client públic per al desenvolupament normal de l’activitat financera i de la hisenda pública. En ambdues tipologies contractuals les parts són les mateixes però el règim jurídic és diferent, els qual es contraposaran i compararan a efectes discursius, sens perjudici de centrar l’objecte d’anàlisi en els contractes de finançament bancari. En definitiva, es tracta d’un estudi contextualitzador de la realitat dels contractes de finançament bancari que concerten les Administracions Públiques amb entitats financeres, que partirà de l’estudi dels contractes bancaris habituals en aquest àmbit, continuarà per l’explicació de la peculiaritat del client bancari públic, l’anàlisi de l’evolució normativa que hi ha hagut en la matèria, fins a culminar amb el detall del règim i les limitacions d’endeutament d’acord amb el nostre ordenament jurídic, a través d’un examen crític de l’status quo i amb l’ànim d’oferir una visió jurídicopràctica de la realitat d’aquests contractes de finançament bancari.
Public Administrations also interact in the market in order to obtain financing and services from financial institutions, like natural persons and companies do. They can therefore be considered as public bank clients as opposed to private clients. In effect, such Administrations are legally empowered to enter into debt obligations with financial entities that will then be formalized through bank contracts. However, when the Public Administration, governed idiosyncratically by Administrative Law, interacts with financial entities, governed by Commercial and Banking Law, this causes that the usual banking contracts in the negotiation traffic cannot be directly applicable to it without a previous adaptation to the peculiarity of the public bank client. Such adaptation is justified in our legal system by the preferential protection of public interests, as demonstrated for example by the introduction of the principle of financial prudence, which limits the cost of indebtedness of financing operations for Autonomous Communities and Local Entities, and bans some of them, and where the normal exercise of the autonomy of will is affected. Besides, such adaptation of the bank contracts to the public contracting party, also reaches the guarantee regime applicable to the specific financial transaction, both of which are the peculiarities of bank financing contracts with Public Administrations. In fact and as far as guarantees are concerned, it is assumed that public money cannot be subject to compensation or seizure. Thus, although the Public Administration is subject to the principle of legality, it still maintains a position of supremacy in certain aspects in the field of bank contracts, and this is the most remarkable. Also, figures such as pledge and assignment of credits should be qualified, or others such as bank guarantees and comfort letters submit them to an appropriate valuation of convenience, legal and practical. Then, the study of these peculiarities is the object of the present thesis. They are contracts in which the interconnection between public law and private law is clearly produced by the interaction between the Public Administration as contracting debtor and the financial entity as contracting party. The fusion and connection between both branches of law is necessary for the purpose intended by both parties, being the study of such interaction and the scope of public law and private law in these cases what is discussed in this thesis. Also providing a practical and finalist perspective through the present study, under the consideration that the law should be applicable to a reality, which in this case is mixed or based on a public-private relationship, but without forgetting that it is before an academic study within the field of Law whose theoretical rigor is essential. In addition, reference will also be made to another typology of contracts that may be agreed by Public Administrations with financial entities other than those of financing: bank services contracts. They are subject to public law to a great extent and its purpose is the collection and payment management of the public client for the normal development of financial and public finance activity. In both contractual typologies the parties are the same but the legal regime is different, which will be contrasted and compared for discursive purposes, without prejudice to focus the subject of analysis in bank financing contracts. In short, this is a contextualizing study of the reality of bank financing contracts that the Public Administrations arrange with financial institutions. It will start from the study of the usual banking contracts in this area, and will continue for the explanation of the peculiarity of the banking client analysis of regulatory developments in this area. Then the study will culminate in the detail of the regime and limitations of indebtedness under our legal system, through a critical examination of the status quo and with the aim of offering a legal and practical vision of the reality of these bank financing contracts.
Arakaki, Amaya Ernesto Yoshinori. "Análisis y mejora del proceso de firma de contratos de arrendamientos financieros de una entidad bancaria." Bachelor's thesis, Pontificia Universidad Católica del Perú, 2019. http://hdl.handle.net/20.500.12404/15453.
Full textPalvadeau-Arqué, Fabienne. "Les instruments juridiques de la gestion bancaire du patrimoine." Nantes, 1997. http://www.theses.fr/1997NANT4010.
Full textStudy of the juridical instruments of the bank management of the patrimony, and then, more specifically, the different contracts applying to it, needs previously, to define what is the management of the patrimony. In fact, it is a variable notion as far as the word "management" may have a double meaning, whether you have an economic or juridical point of view. In the juridical meaning of the word, the management by itself makes up a criterion ; through this criterion enables to identify the characteristic allowances of the contracts concerning the management of the patimony which are determining for their qualification, however, it is difficult not to take into account the economic conception of management to which corresponds the council in management of patrimony. Three contracts have to be examined as contracts of the bank management of the patrimony : the warrant contract (the warrant management portfolio is the best illustration of it), the fiduciary contract, and the business contract (contract of management council of the patrimony). At first glance, the bank contracts concerning the management of the patrimony do not appear to be different, either in the case they have been contracted by a bank, either by another professional working under the same conditions. If we study their common points, the whole thing will be confirmed, when we study the bank contracts concerning the management of the patrimony, we discover that they do not follow specific conditions of their own, and this survey points out an established fact: a banking account goes always with those contact. Its existence entails a certain amount of consequences which make the originality of bank contracts concerning the management of the patrimony. All contracts concerning the management of the patrimony involve an autonomus account. The study of those banking accounts and of those autonomous accounts helps us to understand a crossing : between the way they work, and their effects. Through the autonomus account, the banking account disturbs the existence of banking contracts concerning the management of the patrimony ; thus it creates a specificity of the banking management of the patrimony. So, we have better to speak of contracts which concern the banking management of the patrimony, than of banking contracts which concern the management of the patrimony
Amrani, Fayçal. "Analyse du partage des risques financiers dans un système bancaire islamique." Thesis, Paris 9, 2015. http://www.theses.fr/2015PA090059.
Full textWe analyze in this thesis the financial risk-sharing in an Islamic banking system. We build an analytical framework based on two provisions of Islamic law of contracts: the prohibition of Riba and Gharar. First, we analyze profit-sharing contracts, focusing on their role as an asset and their risk allocation. We also explain the dominance of mark-up contracts in the current practice of Islamic financial institutions. We then analyze the capital structure of Islamic banks, focusing on non-remunerated guaranteed accounts and their flexibility. We show the central place of the regulator in producing the necessaries conditions of good uses of these resources
Silva, Tarrillo Winie Ninive, Malpartida Josselyn Ruby Carrasco, and Rubio Julio German Vega. "El análisis de la implementación del teletrabajo mixto en el sector bancario peruano. Casos: BCP Y BBVA." Bachelor's thesis, Pontificia Universidad Católica del Perú, 2018. http://tesis.pucp.edu.pe/repositorio/handle/123456789/12319.
Full textTesis
França, Bruna Simões. "A proteção jurídica do consumidor nos contratos de mútuo bancário e o direito à informação." Pontifícia Universidade Católica de São Paulo, 2018. https://tede2.pucsp.br/handle/handle/20872.
Full textMade available in DSpace on 2018-03-14T17:42:37Z (GMT). No. of bitstreams: 1 Bruna Simões França.pdf: 1589211 bytes, checksum: 1dad341b5fa496abdfccbc2de400367a (MD5) Previous issue date: 2018-02-20
The propose of this work is to analyze the right that the right that consumers have to be oriented and informed and the consequences of this right is not observed by the financial institutions especially in loan contracts and considering the vulnerability of the consumers. We will begin doing an explanation of the legal regime of the financial institutions on Brazilian Constitution, the Central Bank and the Monetary Authority, as well as the possibility for self-regulation. Then we will analyze the legal protection of the consumer in Brazil, with main focus on the information right. We will study the concept of good faith in legal terms and the responsibility of financial institutions in abusive loan contracts regarding consumers. There will be a highlight on de vulnerability of the consumer and de concept of consumers that are more vulnerable than others. This paper intends to demonstrate that loan contracts sign with disregard of the information right by the financial institution to not oblige the consumer. As a consequence of this violation, the contract should be considered as not valid and the parties involved must return to the previously situation
O objetivo deste trabalho será analisar o papel do direito à informação do consumidor e do dever de educação do fornecedor e a responsabilidade jurídica que as instituições financeiras possuem nos contratos de mútuo bancário no direito brasileiro, especialmente considerando a vulnerabilidade do consumidor. Iniciaremos fazendo uma explanação do regime jurídico das instituições financeiras na Constituição Federal, no Brasil pelo Banco Central e Conselho Monetário Nacional, bem como a possibilidade de autorregulação de suas atividades. Após, trataremos da proteção jurídica do consumidor, especialmente o direito à informação. Será analisado ainda o conceito de boa-fé objetiva, bem como a responsabilidade dos fornecedores nos contratos de mútuo no que tange aos consumidores. Neste ponto, serão destacados a vulnerabilidade do consumidor e o conceito de consumidores hipervulneráveis. Este trabalho pretende demonstrar que os contratos de mútuo celebrados com desrespeito ao dever de informação por parte do fornecedor não vinculam o consumidor. Como consequência desta violação, o contrato deverá ser considerado nulo e, assim, as partes deverão voltar ao status quo anterior à celebração do contrato
Pérez-Albela, García Mavy Romina. "Leasing habitacional: una nueva alternativa para adquirir la casa propia." Master's thesis, Pontificia Universidad Católica del Perú, 2015. http://tesis.pucp.edu.pe/repositorio/handle/123456789/9973.
Full textTesis
Novoa, Arias Roberto Rafael. "Propuestas para un mejor entendimiento de la naturaleza jurídica y regulación adecuada de la carta fianza en el Perú." Master's thesis, Pontificia Universidad Católica del Perú, 2020. http://hdl.handle.net/20.500.12404/16623.
Full textIn this research, we have reviewed both banking regulations (SBS Circular N ° B-2101- 2001) and conceptions of what the “Carta Fianza” is, since there are problems in its understanding and systematic interpretation with the rules for the “fianza civil” contract of the Civil Code, deeming necessary to find the appropriate concepts of this figure. In this regard, we propose: (i) conceptual approaches, more appropriate of the substantial characteristics of the “Carta Fianza”, (ii) criteria for better regulation without references to the Civil Code and, (iii) criteria to better protect the banks when correct and clear payment of a “Carta Fianza” is made, considering that we must assimilate this with the Standby Letters of Credit and not to the “fianza civil” contract. A legal analysis is used and contrasted with the rules of the International Chamber of Commerce (ICC), as well as a review of the relevant jurisprudence. The result of this investigation and its main conclusion is that the “Carta Fianza” is an instrument closer to standby letters of credit, (ISP98 of the ICC), so it is recommended not to make references to the Peruvian Civil Code, assimilate more general but correct criteria for this instrument in the banking regulation and it also is suggested a possibility of abandoning the term “Carta Fianza”.
Trabajo de investigación
Flores, Rivera Mario Paul Alejandro. "Ni para atrás ni para adelante: cuando la regulación desconoce los derechos de los consumidores en los contratos de capitalización inmobiliaria." Master's thesis, Pontificia Universidad Católica del Perú, 2016. http://tesis.pucp.edu.pe/repositorio/handle/123456789/8104.
Full textTesis
Yreux, Thierry. "Crédit bancaire et liberté d'entreprendre." Rennes 1, 1987. http://www.theses.fr/1987REN11027.
Full textSassolas, Delphine. "Les contrats de crédit." Thesis, Grenoble, 2012. http://www.theses.fr/2012GREND021.
Full textBeyond the diversity of legal techniques aimed at performing a credit operation, the credit agreement has its own unique definition. It can take the form of a money loan, a credit opening, a leasing agreement or a hire purchase. However, claiming the existence of a conceptual unity and autonomy for this special agreement implies going beyond the issues related to its interdependence with financed agreements, to the banking monopoly and its numerous exceptions, and to the distinction to be made between professional and consumer. Functional unity is visible in the adaptation of ordinary law of agreements principles through the rules applicable to credit agreements. Consensualism, contractual freedom and the binding force of agreements are confronted with credit agreements' typical mechanisms (formality, duty to warn, period of withdrawal, interdependence, early repayment, repayment by acceleration, etc.). This unity is nevertheless compromised by the acknowledgement of provisions specific to credit agreements granted to consumers
Iturra, Tapia María Rosa. "Aspectos Laborales relacionados con el cheque con especial mención a la terminación del contrato de trabajadores bancarios, motivado en protestos de cheques personales." Tesis, Universidad de Chile, 2007. http://www.repositorio.uchile.cl/handle/2250/107800.
Full textNo autorizada por el autor para ser publicada a texto completo
En este trabajo monográfico se mostrará cómo nuestros tribunales específicamente la Corte Suprema y las Cortes de Apelaciones han fallado conflictos referentes a demandas por despidos injustificados cuando la causal es motivada por contingencias relativas a la cuenta corriente personal de un trabajador bancario, en particular tratándose de protestos de cheque.
Rocha, Ana Cláudia Loyola da. "O controle da onerosidade excessiva nos contratos bancários e o consumo sustentável do crédito / Ana Cláudia Loyola da Rocha ; orientadora, Antônio Carlos Efing." reponame:Biblioteca Digital de Teses e Dissertações da PUC_PR, 2008. http://www.biblioteca.pucpr.br/tede/tde_busca/arquivo.php?codArquivo=929.
Full textBibliografia: f. 153-160
O Código de Defesa do Consumidor foi instituído por expressa determinação constitucional para, mediante regras e principalmente princípios norteadores, não só disciplinar as relações de consumo baseadas em contratações firmadas entre fornecedores e consum
The Brazilian Consumer Code was instituted by virtue of express constitutional determination - through rules and, especially, guiding principles - in order not only to settle consumption relations based on contracts entered by and between suppliers and co
Renck, Henrique Brusius. "Uma avaliação de contratos de crédito sob a ótica da economia da informação." reponame:Biblioteca Digital de Teses e Dissertações da UFRGS, 2009. http://hdl.handle.net/10183/18877.
Full textInformational asymmetry is an inherent characteristic of the financial market that presents itself as problems of adverse selection and moral hazard. It is not different in regard to bank loan operations. Aware of this situation, the banking institutions utilise screening and monitoring mechanisms, as well as collateral exigencies, in order to reduce the informational asymmetry. The contract plays a central role within this process. Because the contractual instrument has the purpose of mitigating the deleterious effects of the informational asymmetry, the present work intends to evaluate if the clauses employed in usual credit concession contracts by the Regional Development Bank of the Far South (BRDE) are indeed designed aiming at incentives to information disclosure and prevention of hidden actions.
Insunza, Corvalán Ximena. "Responsabilidad civil en el contrato de cuenta corriente bancaria. Análisis jurisprudencial de la Excelentísima Corte Suprema de Justicia (1900-2003)." Tesis, Universidad de Chile, 2003. http://www.repositorio.uchile.cl/handle/2250/107378.
Full textEn todas las áreas del derecho está presente la responsabilidad como institución jurídica, por eso podemos ciertamente afirmar, que la responsabilidad es un principio general del derecho. Es así, como encontramos la responsabilidad penal, la responsabilidad administrativa, la responsabilidad política y la responsabilidad civil, entre muchas otras. Se ha señalado que la responsabilidad en general es “la necesidad en que un individuo se coloca, de satisfacer toda violación dañosa a la conducta que debe observar en su vida en sociedad, sea que ella se encuentre regida por normas jurídicas, morales o religiosas”Note1. . La Corte Suprema ha dicho en igual sentido que “Por responsabilidad debe entenderse, en general, la obligación en que se coloca una persona para reparar adecuadamente todo daño o perjuicio causado a otra”.Note2. Subyace, entonces, que el contenido esencial del concepto de responsabilidad es la idea de reparar un perjuicio. La que nos preocupa en este trabajo es la responsabilidad civil, la que según el Profesor Pablo Rodríguez Grez consiste “en el deber jurídico de reparar los daños o perjuicios que se producen con ocasión del incumplimiento de una obligación”
Thiam, Mballo. "De la religion à la banque : Contribution à l'étude d'un droit bancaire islamique en France." Thesis, Toulon, 2013. http://www.theses.fr/2013TOUL0077/document.
Full textThe economic crisis of 2008 shook the worldwide economy by leaving after-effects in various sectors, in particular in that of the bank where its operating process and its role of intermediation showed their limits. The practice of the interest and the placement of the mechanism of the speculation were at the origin of these contemporary crises. The first returned reports and work all were almost directed towards common problems, the ones propose an alternative finance with conventional finance and others plead for a more ethical finance. These suggested solutions recut with the principles of Islamic finance. The latter functions in accordance with the rules of the Islamic law: the prohibition of the riba, the speculation and the application of the principle of division of the profits and the losses, the alternate one of the riba in the Islamic system. So from an economic standpoint the integration of Islamic industry in the French financial system does not pose a concern such does not seem to be the case taking into consideration those and legal rule which controls the organization and the operation of the banks in France which governs the contract law. It is the interest for this reason, that is it is necessary to see whether the Islamic bank meets all the requirements to be set up with the row of a bank within the meaning of the provisions of the monetary and financial Code, in other words a requirement for an operation of credit and allowing by the same occasion to qualify an institution of bank? These interrogations are not limited only on the organisational level, they also extend on operation from this bank, because their legal mode and the qualification of the products used in these Islamic banks deserves a judicious examination in order to deduce the applicable duty in the event of dispute from it. Our thesis is harnessed to bring solutions to these interrogations or at least to try to find ways to facilitate the reception and the integration of these banks in France
Salama, Bruno Meyerhof. "Spread bancário e enforcement contratual: hipótese de causalidade reversa e evidência empírica." reponame:Repositório Institucional do FGV, 2016. http://hdl.handle.net/10438/17573.
Full textRejected by Renata de Souza Nascimento (renata.souza@fgv.br), reason: Bruno, boa tarde Seu trabalho foi rejeitado por não estar de acordo com as normas da ABNT. Segue abaixo as alterações que deverão ser realizadas: Na CAPA: Retirar o espaço entre o nome da Fundação e o nome da Escola; SÃO PAULO deve estar em letras maiúsculas. Na CONTRA CAPA: SÃO PAULO deve estar em letras maiúsculas. Centralizar o título AGRADECIMENTOS e diminuir o espaço entre o título e o texto. Retirar a numeração das páginas. A numeração só deve constar a partir da INTRODUÇÃO. Por exemplo: se a Introdução for a página 11, incluir o número e seguir. Em seguida realize uma nova submissão. Att. on 2016-12-12T15:50:06Z (GMT)
Submitted by Bruno Meyerhof Salama (brunosalama@hotmail.com) on 2016-12-13T04:32:27Z No. of bitstreams: 1 Dissertação - Bruno Salama - Final.pdf: 585582 bytes, checksum: 7fdfb7ebd93125228f06c3ed68872a01 (MD5)
Approved for entry into archive by Renata de Souza Nascimento (renata.souza@fgv.br) on 2016-12-13T15:22:12Z (GMT) No. of bitstreams: 1 Dissertação - Bruno Salama - Final.pdf: 585582 bytes, checksum: 7fdfb7ebd93125228f06c3ed68872a01 (MD5)
Made available in DSpace on 2016-12-13T15:39:43Z (GMT). No. of bitstreams: 1 Dissertação - Bruno Salama - Final.pdf: 585582 bytes, checksum: 7fdfb7ebd93125228f06c3ed68872a01 (MD5) Previous issue date: 2016-11-28
The consensus in the literature is that the low level of enforcement of contracts and guarantees is an important cause of Brazil’s high banking spreads. There may however be an endogeneity problem in the estimation of this causal effect due to reverse causality. This paper formulates this hypothesis, presents preliminary empirical evidence and draws normative implications. At the end, it presents useful lessons for economic analysis of law and of the Judiciary Power.
O consenso da literatura é o de que o baixo nível de enforcement dos contratos e garantias seja uma causa importante do alto spread bancário no Brasil. No entanto, por conta de uma dinâmica de causalidade reversa, pode haver uma endogeneidade na estimação deste efeito causal. O presente trabalho formula esta hipótese, apresenta evidência empírica preliminar e retira implicações normativas. Ao final, apresenta lições úteis para a análise econômica do direito e do Poder Judiciário.
Acevedo, Rojas de Chávez Elba Sissi. ""La regulación de la libertad de elección en contratos accesorios de mutuo hipotecario entre el consumidor bancario y la notaría generan ineficiencia al mercado"." Master's thesis, Pontificia Universidad Católica del Perú, 2017. http://tesis.pucp.edu.pe/repositorio/handle/123456789/9350.
Full textTesis
Navarro, Ros Ana María. "Aspectos civiles del contrato de permuta financiera de tipos de interés." Doctoral thesis, Universidad de Murcia, 2015. http://hdl.handle.net/10803/334696.
Full textA SWAP contract is a financial product that has caused, in recent years, a remarkable media interest due, firstly, to its massive sale, and secondly, in a context of widespread crisis, to some doubts about the benefits for the credit customer. There have been a need for correcting certain legal aspects, often due to a lack not only of their meaning and function in credit markets but also of their legal structure. The thesis aims to diagnose the problems that most frequently are generated in the practice and give shape to the character of this variety of swap, whose modelling is the freedom of the parties who, practising their autonomy, have made an entire legal regime in the absence of national or international legislation. It should be noted that often, only returning to the basic principles of the contractual obligations law is the most satisfactory solution to the conflict of interests. Based on this premise, the study is divided into the following three parts: In the first part, the swap is defined and framed in a particular economic context, analyzing the legal position of the parties. The usual way of the contract requires a number of peculiarities due to its extreme volatility and the use of framework contracts and regulations because of the absence of a national law. After analyzing the origin of the Swap and the basic elements of the contract, the study focuses on the consent and its substantive and procedural problems. In Spain, there have been numerous sentences in recent years, compelling banks to inform about financial products to their customers. Unexpected fluctuations revealed that a number of clients were not familiar with the operation and consequences of the products they contracted. At this point, it is analysed the procedure for annuling the contract (legitimation, recurring arguments, arbitration) as well as the study of some of The most important Supreme Court decisions. The second part addresses the legal nature of the Swap-Irs contract, which is characterized as atypical, randomized, bilateral, synallagmatic, onerous and consensual from the point of view of its perfection. The unusualness of the swap agreement is the most prominent, but not the only one, source of trouble since Article 2 of the Securities Market Act recognizes that there are included within the classification but it has not legal specific framework. What has been mencioned previously about some defining features of the swap agreement has important consequences in the field of bankruptcy proceedings. For example, one wonders what would happen if the Swap contract was considered as subject to condition precedent, as a sector of the doctrine claims. The third part has a long history of development since its origins date from 2009, following the judgment of the Commercial Court No. 3 of Valencia branding Swap contracts' credits as subordinates whether the swap was autonomous (at least it recognized that possibility) as if it was linked to an active operation. The work focuses on the search for an argument to defend the weak point of credit derivatives swaps, which, digging into the matter led to two conclusions, around which turns this part of the study: (I) The basis of the recurring arguments of the courts is in the nature of the contract (ii) by destroying certain defining elements it could be questioned the applicability of two provisions: Article sixty-one of the Insolvency Act regulating rating subordinated claims and the Royal Decree Law 5/2005 in its application to swap transactions. Thus, what had overtones of practicality has become a doctrinal analysis of the elements of the contract, its nature, its possible subsumption in other typical and jurisprudential problematic figures, all beginning with its origin clause in the financing agreements and ending with a detailed analysis of their characters as the legal nature to determine how it affects this analysis in the regulations we appy.
Arancibia, Bruce Javiera Paz. "Diseño de proceso de cobranza especializada, modificación de contratos y normalización de bienes para el Departamento Leasing de un Banco." Tesis, Universidad de Chile, 2015. http://repositorio.uchile.cl/handle/2250/136309.
Full textEl siguiente Informe detalla el rediseño de los Procesos de Cobranza Especializada, Modificación de Contratos y Normalización de bienes recuperados para el departamento Leasing de un Banco. Los procesos que se re-diseñaron, funcionaban de manera defectuosa o simplemente no estaban definidos en la empresa. El departamento de Leasing del Banco en cuestión, presentaba una notable deficiencia en la gestión de su cartera morosa de clientes, a raíz de la falta de definición de un proceso de cobranza, lo que producía una serie de problemas en los procesos de Modificación de Contratos y Normalización de bienes recuperados. A raíz de este diagnóstico se planteó el objetivo principal de este proyecto: Lograr la definición, estructuración y ejecución de procesos que involucran contratos Leasing desde un día de mora hasta la recolocación o venta de bienes recuperados, pasando por la modificación de contratos de ser necesario . La metodología que se utilizó para el desarrollo del proyecto consistió en realizar un diagnóstico de las áreas del Departamento Leasing involucradas en los procesos mencionados, luego la creación y diseño de mejoras, finalizando con la implementación y ejecución de los planes de mejora. Una vez concluido el proyecto, se observa una disminución de 8,23 miles de millones de pesos a 5,39 miles de millones de pesos en montos de mora. Por otro lado, en el Área de Modificación de Contratos se logró una disminución de 6,8 días a 5,7 días en la duración del proceso. Finalmente, en relación al Área de Normalización de bienes recuperados se observó un aumento del 28,76% en monto de bienes almacenados en bodegas. Además se destacan montos por un total de 1,3 miles de millones de pesos en ventas de bienes almacenados en las bodegas.
Bautista, Huarancca Luis Gustavo. "La protección del consumidor bancario en el marco de la regulación peruana en materia de la contratación de productos y servicios." Bachelor's thesis, Pontificia Universidad Católica del Perú, 2020. http://hdl.handle.net/20.500.12404/20365.
Full textConsumer protection law is based on the protection of consumers in a scenario in which the economic imbalance and information asymmetry inherent in market dynamics can lead to harm in their economic and personal sphere. In banking activity, the particular complexity of its operations amplifies this imbalance in the consumption ratio, exposing the banking consumer to a situation of greater vulnerability. Therefore, this paper aims to evaluate the effectiveness of the peruvian legal system of consumer protection of products and services of credit institutions. For this purpose, from a dogmatic, legislative and jurisprudential perspective, the scope and particularities that make up the banking consumer are outlined and their differentiation is established with respect to the common category of consumer protected by the Código de Protección y Defensa del Consumidor. On the other hand, the specific regulation aimed at protecting the rights of the financial consumer and the institutional design of the competent entities in this area is developed: the Instituto Nacional de Defensa de la Competencia y de la Protección de la Propiedad Intelectual and the Superintendencia de Banca, Seguros y AFP. In addition, the implemetation of private self regulation initiatives such as those implemented by ASBANC is evaluated. Thus, base on a descriptive conceptual framework composed of doctrine, jurisprudence and relevant legislation on the subject, from a descriptive and critical approach, a detailed diagnosis of consumer regulation of financial credit institution’s products and services and consumer complaint and resolution mechanisms is sought, for the purpose of assessing whether the provisions in this área resolve mosto f the conflicts arising from transactions and operations in the banking sector.
Paquet, Jean-Michel. "Du contrat à la règle, les formes institutionnelles de la coopération et leur dynamique : application au secteur bancaire européen." Toulouse 1, 1996. http://www.theses.fr/1996TOU10025.
Full textThe purpose of this thesis is to analyze coordination modes and particularly cooperative relationships in the banking system. First, we analyzed the theoretical tools which allow to take these relationships into account. On one hand, it appears that the concept of contract, which constantly refers to the market, reveals ineffective to consider the specificities and the dynamic of these relationships. On the other hand, the concept of rule allowed us to enrich the analysis of the cooperation by making it more dynamic, integrating notions of learning and power. Then, we have distinguished two modes of coordination, a market rule (règle marchande) and a cooperative rule (règle coopérative), and we have identified many factors which may reinforce and wide spray the cooperative rule. Second, we have applied these conclusions to the analysis of the European banking system. These two rules can be found in the relationships between banks and industries, the market rule appears as a financial mode aimed at the market, and the cooperative rule as a financial scheme aimed at the banks; each one of these rules is the result of a learning process and appears like the result of historical process. These rules reveal themselves to be particularly structuring because the cooperative rule integrate themselves in a network of cooperative relationships : le coeur financier, in this context the coeur financier corresponds to a network of cooperatives relationships and like the functioning frame of the cooperation rule whose purpose is to organize and orientate financial resources in restructuration operations
Gobin, Solène. "Garantie et contre-garantie au service du contrat initial : contribution à la compréhension des logiques élémentaires en droits civil, bancaire et financier." Thesis, Paris 2, 2019. http://www.theses.fr/2019PA020010.
Full textIf the concept of guarantee primarily reflects the parties’ distrust of one another, it also conveys their need for trust, which is necessary to facilitate transactions, comfort the creditor’s position and the debtor’s financial situation and more generally to secure the market. In the context of financing transactions (credit and refinancing operations, bond loans and structured financing operations), the importance of guarantees and counter-guarantees is bound to the will and function of the parties to trade and influenced by the environment that the market and associated regulation have set. A financing transaction is especially defined by a contractual structure involving a financing package along with guarantee and counter-guarantee mechanisms. This contractual structure establishes the {original contract – guarantee – counter-guarantee} complex, core of this thesis.The purpose of this thesis is to study the relationships between the original contract and the guarantee, the guarantee and the counter-guarantee, the counter-guarantee and the original contract within financing transactions, with regard to civil law as well as banking and financial law. The analysis will focus on the nature of these contractual relationships when implementing and executing the guarantees and counter-guarantees, the force of which will then be assessed in respect to insolvency proceedings and the banking resolution regime. The effectiveness of the guarantees and counter-guarantees within the financing transactions is thus at stake and must serve the transaction’s efficiency
Freitas, Ernani Cesar de. "Análise das estratégias discursivas em textos do Informativo diário de uma organização bancária: uma abordagem semiolingüística." Universidade do Vale do Rio do Sinos, 2002. http://www.repositorio.jesuita.org.br/handle/UNISINOS/2542.
Full textNenhuma
Situada no campo interdisciplinar que estuda as relações entre linguagem e trabalho, esta investigação propõe-se a analisar textos do informativo diário de comunicação interna, on line, do Banco do Brasil – Agência de Notícias Hoje no BB – com o objetivo de descrever: (1) a situação de comunicação (marco situacional) na qual se encontram os parceiros da troca linguageira participantes da relação contratual; (2) as estratégias de mise en scène, de ordem enunciativa, utilizadas pelo sujeito enunciador na modalização do discurso e na construção dos papéis enunciativos, de modo a identificar: a imagem que o locutor faz de si mesmo; a que o locutor faz do interlocutor; (3) as estratégias de mise en scène, de ordem enunciatória, utilizadas pelo sujeito enunciador para a realização da finalidade do ato de comunicação, configuradas através do modo de organização argumentativo. O quadro teórico e metodológico de análise está ancorado na perspectiva semiolingüística de Patrick Charaudeau (1983; 1992; 2001). Os
Teixeira, Maria Emília. "Contrato de SWAP: O Credit Default SWAP e o seguro de crédito." Doctoral thesis, Universidade Portucalense, 2015. http://hdl.handle.net/11328/1490.
Full textVierling-Kovar, Emmanuelle. "Le contrat de société en participation." Phd thesis, Université de Strasbourg, 2013. http://tel.archives-ouvertes.fr/tel-00997288.
Full textGómez, Sánchez Pérez Karol Su, and Ayca Giancarlo Ariel Segovia. "Los contratos de asociación en participación conforme la Norma Internacional de Información Financiera 11 “Acuerdos conjuntos” y su impacto financiero en los bancos del sector retail en Lima, 2017." Bachelor's thesis, Universidad Peruana de Ciencias Aplicadas (UPC), 2018. http://hdl.handle.net/10757/625950.
Full textThe present investigation was carried out with the objective of determining the financial impact of the joint venture agreements under IFRS 11 "Joint Agreements" in the banks of the retail sector. To carry out the validation of our hypothesis, we have surveyed the main banks of the Lima retail sector. A practical case was carried out under two scenarios, which will help to evaluate the financial impact of our research topic. From the data analyzed, we can conclude that implementing IFRS 11 would generate a favorable financial impact for banks in the retail sector. This would be carried out under the consortium figure.
Tesis
Gras, Gil Ester. "Auditoría interna e información financiera en las entidades de crédito españolas: estructura, contenido, relación casual y contraste empírico." Doctoral thesis, Universidad de Murcia, 2011. http://hdl.handle.net/10803/10781.
Full textSince the appearance in recent years of the regulations on Corporate Governance, numerous national and international bodies have stressed the fundamental role of internal audit (IA) in the financial reporting process, along with the fact that its increased implication leads to higher quality financial reporting. The main aim of this study was to gather empirical evidence about the practical existence of IA implication and what effects it has for entities. Questionnaires were sent to IA directors of Spanish banks and the main conclusion drawn is that greater involvement of IA in the review of financial reporting and its reliability leads to improved quality of the same.
Chossis, Jennifer. "Le refus du banquier." Thesis, Montpellier, 2015. http://www.theses.fr/2015MONTD040/document.
Full textBanking Business is subject to specific risks. Against these risks, the banker’s refusal seems to be an adequate means of protection and security.Since the banker is the first to expose himself to those risks, it seems natural that banking law is governed by a principle of freedom: freedom of contract, entrepreneurial freedom, freedom to take risks and consequently freedom to refuse. However, a banker’s tendency to overprotect himself would turn out to be detrimental to the public as such refusal can be a source of social and economic exclusion. Indeed, it is absolutely impossible to deny how vital the banking services are for all society actors. The banker’s freedom of refusal shall therefore be tempered by the search for an appropriate balance between his own protection and his existing or potential customers’ protection. Thus, certain and defined limitations to the banker’s freedom of refusal should result from this search for balance so that, under certain circumstances, a duty not to refuse could be imposed on the banker. In any event, freedom remains the principle while exceptions may be justified.Furthermore, the banker is not the only one to take risks. Indeed, banking contracts involve risks borne by his co-contractors and by their creditors, even though they are third parties to the agreement. That is why the co-contractors, often less experienced than the banker regarding the risks attached to bank operations, as well as the third parties to the agreement who are unaware of the existence of such risks deserve in this respect to be protected. The search for security could take the form of a refusal obligation imposed on the banker. However, as any obligation of refusal infringes on the banker’s and his co-contractors’ freedom, only the protection of the general interest would actually be able to justify such infringement. Though, even if there are indisputable assumptions where such an obligation of refusal exist under positive law, it appears that a general obligation of refusal shall be difficult, if not impossible, to identify. Such an obligation, although deemed moral, is undesirable as it could result in affecting the interests it sought to protect
Alves, Júnior Waldomiro Ferreira. "Contrato de mútuo: diálogo das fontes sob a ótica da constitucionalização do direito civil na ideia de ordem pública e a necessidade de aproximação com o código de defesa do consumidor." Universidade Presbiteriana Mackenzie, 2014. http://tede.mackenzie.br/jspui/handle/tede/1113.
Full textThis dissertation work presents some reflections on the theory of dialogue of sources, especially to verify that its use may or may not favor the borrower's civil sphere having as parameter the constitutionalization of civil law in the idea of public order and verification, ipso facto, the possibility of applying the principles and rules of the Code of Consumer Protection, applicable to mutual banking to these relations. The doctrine and jurisprudence have shown that the opposite way, to apply the provisions of the Civil Code to consumer relations is already an undeniable reality. The question is whether the legal-constitutional arrangement can allow this to happen. Leads also to reflect the making of valid contracts in line with the constitutional principles enhances the exercise of citizenship. Objective is, ultimately contributing to the study of the problem that manifests the relational analysis of the issues cited.
O presente trabalho dissertativo apresenta algumas reflexões sobre a teoria do diálogo das fontes, especialmente para verificar se sua utilização pode ou não favorecer o mutuário da esfera cível tendo como parâmetros a constitucionalização do direito civil na ideia de ordem pública e a verificação, ipso facto, da possibilidade de aplicação dos princípios e normas do Código de Defesa do Consumidor, aplicáveis ao mútuo bancário, a essas relações. A doutrina e a jurisprudência têm demonstrado que o caminho inverso, o de se aplicarem as disposições do Código Civil às relações de consumo já é uma realidade inconteste. Resta saber se o arranjo jurídico-constitucional poderá possibilitar que isso ocorra. Analisa-se também a hipótese de a feitura de contratos válidos em sintonia com os ditames constitucionais potencializar o exercício da cidadania. Objetiva-se, enfim, contribuir para o estudo da problemática que se manifesta na análise relacional dos temas citados.
Henchiri, Hanène. "Essais sur l'incidence de l'environnement institutionnel sur les décisions financières des firmes." Thesis, Orléans, 2011. http://www.theses.fr/2011ORLE0513/document.
Full textThe imperfections of financial markets and the incompleteness of financial contracts cause commitments between firms and stakeholders to become more complex. Several solutions are suggested in order to reduce such problems and to facilitate the conclusion of financial contracts. Contracts evolve within an institutional structure, an environment by which they are conditioned. Institutions are one of many solutions to market imperfections and to contract incompleteness. Results bring out relevant effects of the financial system’s development and structure (particularly the amount of banking over market financing), banking regulation (the supervisory methods and their extent) and some characteristics of the legal systems (such as creditor protection) on investment constraints. It appears that sound and healthy institutions facilitate access to funding and strengthen the collateral required to secure bank financing. Consequently, poor quality of a country’s institutions hinders access to financing by the private sector
Petchezi, Awedeou. "Le transfert international de monnaie : aspect du régime juridique des systèmes de paiement." Thesis, Clermont-Ferrand 1, 2014. http://www.theses.fr/2014CLF10427.
Full textLegal relations are based essentially on the monetary obligations. The dominant role of money is explained by its legal and economic functions. The daily flow of money transfers attest this importance. If those legal and economic relations are usually located in a limited geographical area, they now follow a movement towards internationalization. The circulation of money also follows the same movement beyond the simple framework of a country. To ensure the funds transfer across borders, various techniques have long time allowed to make international money transfers. Early techniques appeared in fairs of the middle Ages, with the use of commercial paper (bill of exchange or promissory note) and later the check. These traditional instruments which have the characteristic of being based on the paper declined to give way to new techniques. The celerity required by business, has created a need of innovation. It explains the creation of new techniques of money transfer and a new form of currency: the "electronic money”. Another important innovation is the emergence through the computing, "systems" that are a new framework of funds transfers.The foreign element related to international nature of the new techniques of money transfer raises the legal problem of conflict of laws. If for traditional techniques of fund transfer, standardization initiatives (Geneva Conventions on bills of exchange and checks) seem to have solved this problem, there is not presently, any uniform law governing the international use of new techniques of funds transfer. So, is it necessary to consider the nature of contractual relationships which are formed thanks to computing in systems in order to determine a “contract law” able to govern the new techniques of international funds transfers
Palseur, Alban. "Participation à l'étude de la qualification juridique des produits dérivés de crédit en droit français." Thesis, Lyon 3, 2011. http://www.theses.fr/2011LYO30075/document.
Full textNowadays, since financial crisis, « credit derivatives » are famous. Born in 1990’s, they transfer the credit risk. They are speculation’s instrument or margin’s instrument. International Swaps and Derivatives Association (ISDA), and the Fédération Bancaire Française (in France), point to pattern juridical agreement. Credit derivatives include five big sort of agreement : « credit default swap » (« contrat d’échange sur le risque de crédit »), « credit linked notes » (« dérivé de crédit titrisé »), « credit spread option » (« option sur écart de taux »), « credit spread forward » (« dérivé sur écart de taux ») and « total rate of return swap » (« dérivé de transfert total de rendement »). Their variety and essence ask difficult question of juridical appreciation in many countries. In French law, credit derivatives are « instrument financier ». But this juridical appreciation is incomplete. Every sort of agreement must being individually studies