{"id":5708,"date":"2012-04-30T13:42:53","date_gmt":"2012-04-30T13:42:53","guid":{"rendered":"https:\/\/gregorydamy.niceavocats.fr\/?p=5708"},"modified":"2023-08-19T06:13:46","modified_gmt":"2023-08-19T06:13:46","slug":"aclaracion-de-responsabilidad","status":"publish","type":"post","link":"https:\/\/gregorydamy.niceavocats.fr\/es\/aclaracion-de-responsabilidad\/","title":{"rendered":"Responsabilidad del banquero en el otorgamiento de cr\u00e9dito"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;section&#8221; _builder_version=&#8221;4.19.5&#8243; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; background_enable_mask_style=&#8221;on&#8221; background_mask_style=&#8221;wave&#8221; background_mask_color=&#8221;rgba(0,0,0,0.08)&#8221; custom_padding=&#8221;||6px|||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_circle_counter title=&#8221;Tiempo estimado de lectura (en minutos)&#8221; number=&#8221;2&#8243; percent_sign=&#8221;off&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;Amiri||||||||&#8221; max_width=&#8221;137px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_circle_counter][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_divider _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;row&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/gregorydamy.niceavocats.fr\/wp-content\/uploads\/2012\/04\/liability.webp&#8221; title_text=&#8221;liability&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_image][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.21.0&#8243; text_font=&#8221;Amiri||||||||&#8221; header_2_font=&#8221;Amiri||||||||&#8221; header_3_font=&#8221;Amiri||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<div class=\"entry-content\">\n<div class=\"et_pb_row et_pb_row_2\">\n<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n<div class=\"et_pb_text_inner\">\n<div class=\"entry-content\">\n<h2><span>Protecci\u00f3n de los prestatarios: normas sobre la ruptura de contratos de cr\u00e9dito y el respeto de los plazos de preaviso<\/span><\/h2>\n<p><span>Aclaraci\u00f3n de responsabilidad!\u00a0<\/span><span class=\"\"><span>En el campo de los contratos de cr\u00e9dito, es crucial reconocer\u00a0\u00a0<\/span><\/span><span class=\"\"><span>que\u00a0<\/span><\/span><span class=\"\"><span>\u00a0los\u00a0<\/span><a href=\"https:\/\/www.tarifs-bancaires.gouv.fr\/\"><span>bancos<\/span><\/a><span>\u00a0no pueden rescindir libremente los contratos de cr\u00e9dito sin consecuencias.\u00a0<\/span><\/span><span>Ya sea cancelar un pr\u00e9stamo de duraci\u00f3n indefinida o no renovar un pr\u00e9stamo a plazo fijo, tales acciones pueden considerarse abusivas.\u00a0Para garantizar pr\u00e1cticas leales y salvaguardar los intereses de los prestatarios, los bancos deben cumplir con ciertas reglas, en particular las relacionadas con el cumplimiento de un per\u00edodo de preaviso.<\/span><\/p>\n<p><span>El requisito de notificaci\u00f3n se aplica tanto a los contratos indefinidos como a plazo fijo.\u00a0Brinda a los prestatarios una protecci\u00f3n esencial al permitirles suficiente tiempo para prepararse para celebrar sus contratos de cr\u00e9dito y explorar opciones financieras alternativas si es necesario.\u00a0Al adherirse a este requisito, los bancos cumplen con los principios de transparencia y equidad,\u00a0\u00a0<\/span><span>evitando\u00a0<\/span><span>\u00a0interrupciones repentinas en la situaci\u00f3n financiera de los prestatarios.<\/span><\/p>\n<h2><span>Aclaraci\u00f3n de la responsabilidad del banquero: otorgamiento de cr\u00e9dito contra violaci\u00f3n indebida<\/span><\/h2>\n<p><span>Una sentencia hist\u00f3rica emitida el 23 de septiembre de 2020 por la C\u00e1mara de Comercio ha destacado la responsabilidad del banco para ayudar a los prestatarios.\u00a0Esta decisi\u00f3n hizo una distinci\u00f3n significativa entre dos responsabilidades principales: la responsabilidad por otorgar cr\u00e9dito y la responsabilidad por incumplimiento indebido del cr\u00e9dito.<\/span><\/p>\n<p><span>En el art\u00edculo L313-13 del C\u00f3digo Monetario y Financiero se establece la responsabilidad por rescisi\u00f3n indebida, garantizando que los bancos no pueden rescindir arbitrariamente contratos de cr\u00e9dito sin justa causa.\u00a0Por otro lado, el art\u00edculo L650-1 del C\u00f3digo de Comercio trata sobre la responsabilidad por la concesi\u00f3n de cr\u00e9dito, exigiendo prueba de fraude para establecer la responsabilidad del banco.<\/span><\/p>\n<p><span>El objetivo principal de la sentencia es proporcionar claridad y evitar cualquier posible explotaci\u00f3n o confusi\u00f3n entre estos dos \u00e1mbitos distintos.\u00a0Al diferenciar estas responsabilidades, el tribunal fortalece el marco para hacer cumplir las pr\u00e1cticas crediticias justas y proteger tanto a los bancos como a los prestatarios.<\/span><\/p>\n<h2><span>Conclusi\u00f3n:<\/span><\/h2>\n<p><span>En conclusi\u00f3n, el contrato de cr\u00e9dito, como cualquier contrato, no puede ser rescindido libremente por el banco sin respetar reglas y obligaciones espec\u00edficas.\u00a0<\/span><span class=\"\"><span>La terminaci\u00f3n abusiva de los cr\u00e9ditos indefinidos o la no renovaci\u00f3n de los cr\u00e9ditos a plazo fijo pueden ser consideradas abusivas, destacando la necesidad de respetar los plazos de preaviso.<\/span><\/span><\/p>\n<p><span>Adem\u00e1s, la sentencia de 23 de septiembre de 2020 insiste en la distinci\u00f3n entre responsabilidad por otorgamiento de cr\u00e9dito e incumplimiento indebido del cr\u00e9dito.\u00a0<span class=\"VIpgJd-yAWNEb-VIpgJd-fmcmS-sn54Q\">El art\u00edculo L313-13 del C\u00f3digo Monetario y Financiero y el art\u00edculo L650-1 del C\u00f3digo de Comercio que tratan separadamente de estas atribuciones, el juez asegura la claridad y evita posibles abusos de su aplicaci\u00f3n.<\/span><\/span><\/p>\n<p><span>En \u00faltima instancia, estas medidas est\u00e1n destinadas a proteger a los prestatarios, mantener pr\u00e1cticas crediticias transparentes y mantener la integridad de los acuerdos crediticios dentro de la industria bancaria.<\/span><\/p>\n<p><a href=\"https:\/\/gregorydamy.niceavocats.fr\/\"><span>Bufete de abogados DAMY<\/span><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_row et_pb_row_3\">\n<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough et-last-child\">\u00a0<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_divider _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Protecci\u00f3n de los prestatarios: normas sobre la ruptura de contratos de cr\u00e9dito y el respeto de los plazos de preaviso Aclaraci\u00f3n de responsabilidad!\u00a0En el campo de los contratos de cr\u00e9dito, es crucial reconocer\u00a0\u00a0que\u00a0\u00a0los\u00a0bancos\u00a0no pueden rescindir libremente los contratos de cr\u00e9dito sin consecuencias.\u00a0Ya sea cancelar un pr\u00e9stamo de duraci\u00f3n indefinida o no renovar un pr\u00e9stamo a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[334],"tags":[],"class_list":["post-5708","post","type-post","status-publish","format-standard","hentry","category-derecho-bancario"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Responsabilidad del banquero en el otorgamiento de cr\u00e9dito - Soci\u00e9t\u00e9 d&#039;avocats Damy<\/title>\n<meta name=\"description\" content=\"Aclaraci\u00f3n de responsabilidad \u00a1Aclaraci\u00f3n de responsabilidad! 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