UJosé Miguel Barjola.- «Umsebenzi wezoqoqosho ufuna, ngaphezu kwakho konke, ukuqinisekiswa kwezomthetho [...]. Kodwa izigwebo ezithile zeNkundla ePhakamileyo zenze ukungazinzi kwezomthetho, kunokuba kuqinisekiswe ngokusemthethweni, kumbandela wemali-mboleko, "utshilo u-Ignacio Pla, unobhala jikelele weNational Association of Financial Credit Establishments (ASNEF). "Siqinisekile ukuba imfundo yezemali yinyathelo eliyimfuneko kunye nesabelo esilindileyo, esiza kunceda umthengi ukuba enze isigqibo esicacileyo, kuba, ngaphezu koko, i-credit yomthengi ayiyona imveliso yemali enzima," yatsho ingcali, kwintlanganiso yesibini ehleliweyo. phakathi kwe-ASNEF kunye ne-Wolters Kluwer (jonga ividiyo epheleleyo yosuku kule khonkco) ngaphakathi kwesakhelo somjikelezo weenkomfa ukuthetha malunga nokungafihli kunye nemfundo yezemali.
"Ukujika okumangalisayo" kweNkundla yokuQala yeNkundla ePhakamileyo imele "inyathelo lokungakhuseleki ngokomthetho", kuba izama "ukufaka isicelo kwi-suit ye-1908 kwiimveliso zemali zekhulu lama-25", igxininise ngexesha lentetho yakhe uFrancisco Javier Orduña, uNjingalwazi. of Law Civil evela kwiYunivesithi yaseValencia kunye nowayesakuba ngumantyi weNkundla yokuQala yeNkundla ePhakamileyo. INkundla ePhakamileyo ikhuphe izigwebo ezibalulekileyo kwiikhredithi ezijikelezayo ngoNovemba 2015, 4 kunye no-Matshi 2020, XNUMX. (ngazwi-linye) zeengcali ezithathe inxaxheba kwintlanganiso, ukungaqiniseki okunamandla okusemthethweni kunye nokungafani okukhulu kwezomthetho. Emehlweni oonomthetho, iGunya liye lavelisa iikhonsepthi ezazingacacanga kakhulu xa kufikwa ekusekeni imfundiso evumelanayo kwezinye iinkundla malunga nokuba kuyintoni na ukulobola.
Kwi-Orduña, uMthetho we-Azcárate, oye wasebenza iminyaka engaphezu kwekhulu, sisixhobo se-anachronistic kunye nesichanekanga sokuchaza ukuba semthethweni kwento ekhoyo njengangoku njengekhredithi ejikelezayo. Kakhulu ngakumbi ukuba yenziwa ngokusekwe kwiingqikelelo ezivulelekileyo zomthetho. Iya kuvelisa "ukungakhuseleki okukhulu", apho iguqulela ekukhuliseni ukungalingani kweenqobo zokugweba. Iimbono ezinje "inzala ephezulu kakhulu kunemali eqhelekileyo", umgaqo owenziwe yiNkundla ePhakamileyo ngo-2020, awucacanga. Badala amathandabuzo, ukudideka, amathuba okutolika. Ukuqukumbela: amatyala amaninzi.
Kodwa kude nenkolelo ethandwayo kunye noshicilelo olubi, kuFrancisco Javier Orduña iikhredithi ezijikelezayo zeemveliso zakhe zemali "zinzile ngokugqibeleleyo kwaye zidibeneyo." Inzuzo yayo, kuba sinikezela ngokukhawuleza, kulula kunye nomgca wekhredithi oguquguqukayo. “Banomsebenzi wokufumana ukuhlaliswa kwangoko, nto leyo esisixhobo esiluncedo kuluntu kuqoqosho lwangoku,” ucacise watsho. Ewe, ngokoluvo lwakhe, kubalulekile "ukuba zithengiswe ngamajelo afanelekileyo." Indima yemfundo yezemali, njengoko u-Ignacio Pla ebeyikhankanyile, ingundoqo. “Apha ndiyakubambisa kwaye apha ndikubulala akuncedi nganto […] Umntu othengisa ezi mveliso kufuneka abe noqeqesho oluthile kwaye azi ukuba uthengisa ntoni,” wagxininisa u-Orduña. Ingcali yatyala njengomcimbi wovelwano: ukuzibeka ezicathulweni zomxhasi kwaye uzibuze: "Ukuba bendinalo lwazi, ngaba bendinokuqesha?".
Kuzo zonke iimeko, ukucandwa okunokwenzeka kwengqiqo yenzala kufuneka kwenziwe kwinqanaba lowiso-mthetho. Ungaze ube kuluhlu lwenkundla, kancinci kula magama. Ngokombono we-mantyi yangaphambili, uluhlu olufanelekileyo luya kuba luhlala luvumela "ukhuphiswano lwebhanki."
Ukungabonakali
"Ngaphandle kokungafihli kwaye ngaphandle kokuqinisekisa ngokusemthethweni, imarike ayikwazi ukusebenza kakuhle," u-Ignacio Redondo, umlawuli olawulayo wesebe leengcebiso zomthetho weCaixabank kunye negqwetha likarhulumente ngokugqithisileyo, ngokukhawuleza wagxininisa. Kwintetho yakhe, ugxininise ukuba wenze inkqubela phambili enkulu malunga nokungafihlisi kwinkqubo yezemali. Amaqumrhu ebhanki aya eqonda ngakumbi uthumo lokubonelela ngolwazi olungakumbi kubathengi, uRedondo wangqina. Imimiselo ifuna oku: iibhanki kufuneka zicace xa zichazela malunga neemveliso "ukuba umxhasi akanakukwazi ngokugqibeleleyo".
Nangona kunjalo, ngokubhekiselele kwisiqinisekiso somthetho, endaweni yoko "inkqubela encinci yenziwe." Ukucuthwa kweerhafu ngeendlela zokugweba, ekuvunyelwene ngayo ne-Orduña, yingxaki. Ngokombono wakhe, le ndlela inokudala uxinzelelo kwimarike kwaye inciphise izenzo zamaqumrhu, kwaye ngaphezu kwako konke, ukungakhuseleki okukhulu. Kunengqiqo ukuba kukho ummiselo omncinci, wavuma, kodwa ubuncinci ukuba uqinisekisiwe kwaye uhambelana. "Yintoni enengqiqo kukuba ilawulwe kwinqanaba laseYurophu", wachaza, kuba "imarike ayikwazi ukuxhomekeka kubuzwe bomthetho okanye kwiindawo zokugweba".
Kwelakhe icala, uJesús Sánchez, umphathi weBarcelona Bar Association (ICAB) kunye negqwetha elisebenzayo, uchaze i-panorama ye "judicial mosaic". Isenokubonakala ngathi isigwebo sowama-2020 seNkundla ePhakamileyo besitolikwa gwenxa ziinkundla kwaye sibangela iyantlukwano enkulu. Uyavuma ukuba isisombululo "asincedi ukuqiniseka ngokusemthethweni." “Kubiza imali encinci kakhulu ukuseka iiparamitha ezicacileyo,” utshilo. Ukushiya ecaleni iinkcazo ezimbalwa ezichanekileyo nezivulekele ukutolika kunye nokuseka isibiyeli bekuya kuba sisisombululo. Ngaphaya kwenkcazo ngokuthi "umahluko wobu bukhulu" okanye "umahluko oxabiseke kakhulu", amagama abangela intaphane yamatyala.
Isiphumo sokusebenzisa olu hlobo lwenkcazo, u-Sánchez wakhalaza, "lityala lenkundla eliphikisana ngokupheleleyo." Ngokomzekelo, ngoxa kwiinkundla zaseCantabria inzala engaphezu kwe-10 ekhulwini yamkelwa njengephezulu kakhulu, eBadajoz ivumelekile ipesenti ezili-15. EOviedo, kwelinye icala, kukho omnye umlinganiselo. “Uyi-bazaar yokwenyani, masibone ukuba ngubani onikela ngakumbi,” utshilo.
Kumazwe afana neFransi, kusekho umyinge wama-30 ekhulwini. Into eyamkelekileyo, ngokoluvo lukaSánchez. ESpain akukho embargo ngaphandle kommiselo. Imfundiso yangoku idinga "ingcaciso", ifuna igqwetha: "inokuba iNkundla yokuQala yeNkundla ePhakamileyo ilungisa imeko okanye ummeli ubophelelekile ukuba enze", wagweba. Itsunami yeemfuno iyanda kwaye kunye nayo iyantlukwano yekhrayitheriya. USánchez waqinisekisa ukuba kwezinye iimeko "bade bamangalele inzala engaphantsi komyinge oqhelekileyo", kuba kukho uluvo oluqhelekileyo lokuba yonke into edlula i-20 pesenti ifuna inzuzo. Kodwa umphathi we-ICAB ulumkise ngelithi oku akuyonyani. Uthi: “Yinto engazange ithethwe yiNkundla Ephakamileyo.
Unokufikelela kumfanekiso opheleleyo wosuku kule khonkco.
