{"id":380930,"date":"2024-11-27T12:58:05","date_gmt":"2024-11-27T11:58:05","guid":{"rendered":"https:\/\/www.fiarebancaetica.coop\/?p=380930"},"modified":"2024-11-27T13:04:12","modified_gmt":"2024-11-27T12:04:12","slug":"7o-informe-sobre-las-finanzas-eticas-en-europa-bancos-eticos-solidos-y-al-lado-de-la-economia-real","status":"publish","type":"post","link":"https:\/\/www.fiarebancaetica.coop\/eu\/7o-informe-sobre-las-finanzas-eticas-en-europa-bancos-eticos-solidos-y-al-lado-de-la-economia-real\/","title":{"rendered":"Europako finantza etikoei buruzko 7. txostena: banku etiko sendoak eta ekonomia errealaren ondoan daudenak"},"content":{"rendered":"\n\n
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Finantza etikoak <\/h1>\n <\/div>\n\n \n
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Europako finantza etikoei buruzko 7. txostena: banku etiko sendoak eta ekonomia errealaren ondoan daudenak <\/h1>\n <\/div> \n
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Banku etikoek indarra hartu dute banku tradizionalaren ordezko eredu gisa,<\/strong> bai eta etorkizuneko erronka sozial eta klimatikoei aurre egiteko gai diren eredu gisa ere. Europako Finantza Etikoei buruzko 7. Txostena<\/u><\/em><\/a> azaroaren 27an aurkeztu zen ofizialki<\/u><\/a> Madrilen, eta nazioarteko irismena duen ekitaldi bat da, sistema ekonomiko bidezkoagoa eta komunitateekiko eta ingurumenarekiko errespetuzkoagoa eraikitzearen alde egiten duena.<\/p>\n\n\n\n

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7. txostena eta emaitza nagusiak: ereduaren desberdintasunak<\/strong><\/h4>\n\n\n\n

Txostena honako erakunde hauek egin dute: Fondazione Finanza Etica<\/u><\/a>, Fundaci\u00f3n Finanzas \u00c9ticas<\/u><\/a> eta Banku Etiko eta Alternatiboen Europako Federazioa (FEBEA)<\/u><\/a>. EBZk zuzenean gainbegiratzen dituen Europako 60 banku nagusien eta GABV sareari (Global Alliance for Banking on Values) eta FEBEAri lotutako Europako 26 banku etikoen arteko azterketa eta konparazioa da.<\/p>\n\n\n\n

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Kapitala, aktiboen eta kudeaketaren kalitatea, mozkinak eta likidezia: horiek dira kreditu-erakundeak baloratzeko erabiltzen den CAMEL ereduak aztertutako 5 parametroak. Emaitzak erakusten duenez, banku etikoak banku tradizionalak bezain sendo agertzen dira, baina ekonomia erreala babesteko joera handiagoa dute.<\/strong><\/p>\n\n\n\n

Xehetasunei helduz, azpimarratzekoa da banku etikoentzat ekonomia errealari emandako kreditua aktiboen ia % 70 dela,<\/strong> eta tradizionalentzat, too big to fail<\/em> esaten zaien horientzat, aktiboen % 51,6, arrisku gutxiago dituzten (Estatuaren bonuak, adibidez) edo espekulatzaileagoak diren aktibo finantzarioak hobetsiz.<\/p>\n\n\n\n

Kreditu-erakunde tradizionalek finantza-aktiboei dieten erreparo hori agerikoa da ROE (mozkin garbia\/ondare garbia) aztertuz gero ere. Hamar urtetik bostetan, banku etikoen<\/strong> ROE banku tradizionalena baino nabarmen handiagoa izan da (ehuneko +5,85 puntu 2013an). Horren arrazoia da banku handiek 2007-2008ko krisia jasan zutela, eta oso poliki joan zirela suspertzen. Banku etikoak, aldiz, ez zeuden finantza-merkatuen halako eraginpean, eta beraz, ez zuten atzerakada handirik izan. ROE positiboari eutsi zioten beti, batez beste % 5ean, gutxi gorabehera. Azken bi urteetan, krisitik atera diren banku tradizionalek banku etikoek baino ROE altuagoa sortu dute.<\/p>\n\n\n\n

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Banku etikoek kapital-egokitzapen handiagoa dute, batez beste:<\/strong> 1. mailako ratioa % 23,32koa da, eta banku handiek, berriz, % 17,23koa. Horrek erakusten du gaitasun sendoa dagoela krisi orokorreko faseetan gerta daitezkeen galerak xurgatzeko.<\/p>\n\n\n\n

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Banku etikoek kredituak ematean duten ikuspegiak azaltzen du, halaber, banku etikoek duten kostu operatiboen eta diru-sarreren (KAE) arteko batez besteko erlazioa % 65,74koa izatea,<\/strong> aldiz banku tradizionalena % 52,60koa da. Kreditu-jarduera langileen eta administrazio-praktiken erabilera-maila handia eskatzen duen jarduera da, eta finantza-inbertsioko jarduera ez bezala, ezin da erabat digitalizatu, ondorioz, garestiagoa da. Horrez gain, Banku etikoek ikerketa sakonagoak egiten dituzte kredituak eman aurretik, gizarte eta ingurumen alderdien ebaluazioa barne.<\/strong><\/p>\n\n\n\n

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Deskargatu txosen osoa hemen<\/strong><\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1774,"featured_media":380381,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11644,1],"tags":[],"coauthors":[5579],"class_list":["post-380930","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finantza-etikoak","category-proyectos-colectivos"],"acf":[],"yoast_head":"\nEuropako finantza etikoei buruzko 7. txostena: banku etiko sendoak eta ekonomia errealaren ondoan daudenak - Fiare Banca Etica<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiarebancaetica.coop\/eu\/7o-informe-sobre-las-finanzas-eticas-en-europa-bancos-eticos-solidos-y-al-lado-de-la-economia-real\/\" \/>\n<meta property=\"og:locale\" content=\"eu_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Europako finantza etikoei buruzko 7. txostena: banku etiko sendoak eta ekonomia errealaren ondoan daudenak - 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