José Miguel Barjola.- «Ntchito yazachuma imafuna, koposa zonse, kutsimikizika kwalamulo [...]. Koma zigamulo zina za Khothi Lalikulu zapangitsa kusakhazikika kwalamulo, m'malo motsimikiza mwalamulo, pankhani yachiwongola dzanja, "atero a Ignacio Pla, mlembi wamkulu wa National Association of Financial Credit Establishments (ASNEF). "Tili otsimikiza kuti maphunziro a zachuma ndi sitepe yofunikira komanso ntchito yomwe ikuyembekezeredwa, yomwe ingathandize wogula kupanga chisankho, chifukwa, kuwonjezera apo, ngongole ya ogula sizinthu zovuta zachuma," adatero katswiriyo, pamsonkhano wachiwiri wokonzedwa. pakati pa ASNEF ndi Wolters Kluwer (onani kanema wathunthu watsiku pa ulalo uwu) mkati mwa dongosolo la misonkhano yokambirana za kuwonekera komanso maphunziro azachuma.
"Kutembenuka kodabwitsa" kwa Khothi Loyamba la Khothi Lalikulu kumayimira "sitepe kuchitetezo chalamulo", chifukwa amayesa "kufunsira suti kuchokera ku 1908 kupita kuzinthu zachuma zazaka za zana la 25", zomwe zidawonetsedwa pakulankhula kwake Francisco Javier Orduña, Pulofesa. of Law Civil kuchokera ku University of Valencia komanso woweruza wakale wa Khothi Loyamba la Supreme Court. Khoti Lalikulu Lalikulu linapereka zigamulo zofunika pa ngongole zowonongeka pa November 2015, 4 ndi March 2020, XNUMX. (mogwirizana) mwa akatswiri omwe adachita nawo msonkhano, kukayikira kwakukulu kwalamulo ndi kusagwirizana kwakukulu kwa milandu. M'maso mwa oweruza, Bungweli lidapanga malingaliro omwe anali osamveka bwino pankhani yokhazikitsa chiphunzitso chogwirizana ndi makhothi ena onse kuti chiwongola dzanja ndi chiyani.
Kwa Orduña, Lamulo la Azcárate, lomwe lakhala likugwira ntchito kwa zaka zopitirira zana, ndi chida chosasinthika komanso chodziwika bwino chofotokozera kuvomerezeka kwa chinthu chomwe chilipo ngati ngongole yozungulira. Zambiri ngati zichitika potengera malingaliro otseguka otere. Idzapanga "kusatetezeka kwakukulu", komwe kumatanthawuza kukulitsa kusagwirizana kwa malamulo. Malingaliro monga "chiwongola dzanja chokwera kwambiri kuposa ndalama wamba", njira yomwe Khothi Lalikulu lidapanga mu 2020, ndizosamvetsetseka. Amapanga kukayika, chisokonezo, mwayi wotanthauzira. Pomaliza: milandu yambiri.
Koma kutali ndi zikhulupiriro zodziwika bwino komanso atolankhani oyipa, kwa Francisco Javier Orduña mbiri yozungulira yazinthu zake zachuma "ndizokhazikika komanso zophatikizidwa." Ndi zopindulitsa, chifukwa timapereka njira yofulumira, yosavuta komanso yosinthika yangongole. "Iwo ali ndi ntchito yopezera kukhazikika kwanthawi yomweyo, chomwe ndi chida chothandiza kwambiri kwa anthu pachuma chomwe chilipo," adatero. Inde, m'malingaliro ake, ndikofunikira "kuti azigulitsidwa kudzera munjira zoyenera." Udindo wa maphunziro azachuma, monga momwe Ignacio Pla adauzira, ndizofunikira. "Pano ndikukugwirani ndipo pano ndikukuphani ndichabechabe [...] Munthu amene amagulitsa zinthuzi ayenera kukhala ndi maphunziro apadera ndikudziwa zomwe akugulitsa," anatsindika Orduña. Katswiriyo adabzala ngati nkhani yachifundo: kudziyika yekha mu nsapato za kasitomala ndikudzifunsa kuti: "Ndikadakhala ndi chidziwitso chimenecho, ndikanalemba ganyu?".
Muzochitika zonse, kugawanika kotheka kwa lingaliro la chiwongoladzanja kuyenera kuchitidwa pamalamulo. Osakhala m'magulu oweruza, mocheperapo m'mawu awa. Malingaliro a woweruza wakale, mndandanda wololera udzakhala womwe nthawi zonse umalola "mpikisano wa banki."
Transparency
"Popanda kuwonekera komanso popanda kutsimikizika kwalamulo, msika sungathe kugwira ntchito bwino," Ignacio Redondo, mkulu wa dipatimenti ya uphungu wamilandu ya Caixabank ndi loya wa boma mopitirira muyeso, anatsindika nthawi yomweyo. M'mawu ake, adawonetsa kuti wapita patsogolo kwambiri pankhani ya kuwonekera pazachuma. Mabungwe amabanki akudziwa bwino za ntchito yopereka zambiri kwa makasitomala, Redondo adachitira umboni. Malamulowa amafuna izi: mabanki ayenera kukhala omveka bwino podziwitsa zazinthu "zomwe kasitomala sangathe kuzidziwa bwino".
Komabe, ponena za kutsimikizika kwalamulo, mmalo mwake "kupita patsogolo pang'ono kwapangidwa." Kuchepetsa mitengo mwa njira zoweruza, zomwe zidagwirizana ndi Orduña, ndi vuto. Malingaliro ake, njira iyi imatha kuyambitsa mikangano pamsika ndikuchepetsa zochita za mabungwe, ndipo koposa zonse, kusatetezeka kwakukulu. Ndizomveka kuti pali malamulo ochepa, adavomereza, koma osachepera kuti ndi otsimikizika komanso ogwirizana. "Chomwe chimapangitsa kuti chikhale chovomerezeka ku Ulaya," adatero, popeza "msika sungakhale wodalira dziko la malamulo kapena madera oweruza".
Kwa iye, Jesús Sánchez, wamkulu wa Barcelona Bar Association (ICAB) komanso loya yemwe amagwira ntchito, adafotokoza za "maweruzo amilandu". Zitha kuwoneka kuti chigamulo cha 2020 cha Khothi Loyamba la Khothi Lalikulu chimatanthauziridwa molakwika ndi makhothi ndikupangitsa kuti pakhale kusiyana kwakukulu. Iye amavomereza kuti chigamulocho "sichithandiza kutsimikizika kwalamulo." "Zinali zotsika mtengo kwambiri kukhazikitsa magawo omveka bwino," adatero. Kusiya matanthauzo omwe ndi ochepa olondola komanso otseguka kutanthauzira ndikukhazikitsa bulaketi likanakhala yankho. Kupitilira kutanthauzira ngati "kusiyana kwa kukula kwake" kapena "kusiyana koyamikirika", mawu omwe amayambitsa milandu yambiri.
Chotsatira cha kugwiritsira ntchito matanthauzo amtunduwu, Sánchez anadandaula kuti, "ndi milandu yotsutsana kotheratu." Mwachitsanzo, pamene kuli kwakuti m’makhoti a Cantabria chiwongola dzanja choposa 10 peresenti chikuvomerezedwa kukhala chokwera kwambiri, ku Badajoz 15 peresenti amaloledwa. "Ndiwe msika weniweni, tiyeni tiwone yemwe amapereka zambiri," adatero.
M'mayiko ngati France, mudakali 30 peresenti. Chinachake chovomerezeka, m'malingaliro a Sánchez. Ku Spain palibe choletsa popanda lamulo. Chiphunzitso chamakono chimafuna "kulongosola", adafunsa woweruzayo kuti: "mwina Bungwe Loyamba la Khoti Lalikulu lidzakonza zinthu kapena woweruzayo ali ndi udindo wochitapo kanthu", adaweruza. Tsunami ya zofunikila imachulukirachulukira komanso kusiyanasiyana kwazomwe zimafunikira. Sánchez anatsimikizira kuti nthaŵi zina “amasumira ngakhale chiwongoladzanja chochepera pa mlingo wapakati”, chifukwa pali lingaliro lachiwopsezo lakuti chirichonse chimene chimaposa 20 peresenti n’chongofuna kudya. Koma dean wa ICAB anachenjeza kuti izi sizowona. Iye anati: “Zimenezi ndi zimene Khoti Lalikulu Kwambiri silinanenepo.
Mutha kupeza kujambulidwa kwathunthu kwatsiku pa ulalo uwu.
