Les participacions preferents, un dels principals motius de reclamació a la CNMV
02/12/2011
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<p><span id="result_box" lang="ca"><span class="hps">Pel que</span> <span class="hps">fa a</span> <span class="hps">les</span> <span class="hps">participacions</span> <span class="hps">preferents,</span> <span class="hps">moltes</span> <span class="hps">de</span> <span class="hps">les</span> <span class="hps">reclamacions</span> <span class="hps">es</span> <span class="hps">devien al fet que</span> <span class="hps">les</span> <span class="hps">entitats</span> <span class="hps atn">"</span><span>no</span> <span class="hps">havien</span> <span class="hps">gestionat</span> <span class="hps">de forma adequada</span> <span class="hps">les</span> <span class="hps">ordres</span> <span class="hps">de venda</span><span>"</span><span>.</span> <span class="hps">En</span> <span class="hps">aquest</span> <span class="hps">sentit</span><span>,</span> <span class="hps">la CNMV</span> <span class="hps">considera</span> <span class="hps">que aquestes</span> <span class="hps">entitats</span> <span class="hps atn">"</span><span>haurien d'haver</span> <span class="hps">advertit</span> <span class="hps">al client de</span> <span class="hps">la dificultat en la</span> <span class="hps">pràctica</span> <span class="hps">de poder</span> <span class="hps">vendre els seus</span> <span class="hps">valors</span> <span class="hps">a l'una</span> <span class="hps">i</span> <span class="hps">haurien d'haver</span> <span class="hps">informat que</span> <span class="hps">ajustant el</span> <span class="hps">preu</span> <span class="hps">mínim</span> <span class="hps">de venda</span> <span class="hps">i</span> <span class="hps">fixant un</span> <span class="hps">termini</span> <span class="hps">i</span> <span class="hps">validesa</span> <span class="hps">de</span> <span class="hps">la</span> <span class="hps">ordre</span> <span class="hps">més</span> <span class="hps">ampli</span> <span class="hps">haurien</span> <span class="hps">augmentat</span> <span class="hps">exponencialment</span> <span class="hps">la probabilitat</span> <span class="hps">de fer efectiva</span> <span class="hps">la venda</span><span class="hps atn">"</span><span>.</span> <span class="hps">Això</span> <span class="hps">demostra</span> <span class="hps">clarament que</span><span>,</span> <span class="hps">en la comercialització</span> <span class="hps">d'aquest</span> <span class="hps">tipus</span> <span class="hps">de productes</span><span>,</span> <span class="hps">no</span> <span class="hps">es facilita</span> <span class="hps">una informació</span> <span class="hps">suficient</span> <span class="hps">i</span> <span class="hps">detallada dels</span> <span class="hps">mateixos</span><span>.</span><br /><br /> <span class="hps">A més</span><span>,</span> <span class="hps">en</span> <span class="hps">molts</span> <span class="hps">casos dels</span> <span class="hps">que</span> <span class="hps">es</span> <span class="hps">recullen</span> <span class="hps">en la Memòria</span> <span class="hps">2010 de la</span> <span class="hps">CNMV</span><span>,</span> <span class="hps">es posa de</span> <span class="hps">manifest que</span> <span class="hps">les</span> <span class="hps">entitats</span> <span class="hps">no havien</span> <span class="hps">valorat</span> <span class="hps atn">"</span><span>l'adequació</span> <span class="hps">dels</span> <span class="hps">mateixos a</span> <span class="hps">la situació</span> <span class="hps">financera</span><span>,</span> <span class="hps">experiència</span> <span class="hps">inversora</span> <span class="hps">i</span> <span class="hps">objectius</span> <span class="hps">d'inversió de</span> <span class="hps">els</span> <span class="hps">reclamants</span><span class="hps">" i que</span><span>,</span> <span class="hps">quan sí que</span> <span class="hps">aportaven</span> <span class="hps">un test</span> <span class="hps">a l'inversor</span><span>, aquest</span> <span class="hps">diferia</span> <span class="hps">de la informació</span> <span class="hps">aportada</span> <span class="hps">pel</span> <span class="hps">client</span><span>.</span> <span class="hps">Fins i tot,</span> <span class="hps">en alguns</span> <span class="hps">casos</span><span>,</span> <span class="hps">es condemna</span> <span class="hps">l'ús d'una</span> <span class="hps">clàusula que</span> <span class="hps">trasllada</span> <span class="hps">al client la</span> <span class="hps">responsabilitat</span> <span class="hps">de verificar</span> <span class="hps">que el producte</span> <span class="hps">és</span> <span class="hps">adequat</span> <span class="hps">al seu perfil</span> <span class="hps">de risc</span><span>,</span> <span class="hps">cosa que</span> <span class="hps">per llei</span> <span class="hps">correspon a</span> <span class="hps">l'entitat.</span></span></p> <p><span id="result_box" lang="ca"><span class="hps">Pel que fa</span> <span class="hps">a</span> <span class="hps">les</span> <span class="hps">entitats</span> <span class="hps">reclamades</span><span>, el 2010</span> <span class="hps">va augmentar</span> <span class="hps">el nombre d'entitats</span> <span class="hps">contra les quals</span> <span class="hps">es va presentar</span> <span class="hps">reclamació</span> <span class="hps">però</span><span>,</span> <span class="hps">especialment, el</span> <span class="hps">nombre</span> <span class="hps">de reclamacions</span> <span class="hps">rebudes</span> <span class="hps">per cada</span> <span class="hps">entitat</span> <span class="hps">reclamada</span><span>.</span> <span class="hps">En</span> <span class="hps">tot</span> <span class="hps">cas</span><span>, el 30</span><span>% de les</span> <span class="hps">reclamacions</span> <span class="hps">es concentra</span> <span class="hps">en dues entitats</span> <span class="hps">(Banc</span> <span class="hps">Santander</span> <span class="hps">i</span> <span class="hps">Bankinter</span><span>)</span><span>,</span> <span class="hps">que van rebre</span> <span class="hps">més</span> <span class="hps">de 200</span> <span class="hps">reclamacions</span><span>, de les quals</span> <span class="hps">més</span> <span class="hps">de 100</span> <span class="hps">van obtenir</span> <span class="hps">un informe</span> <span class="hps">favorable</span> <span class="hps">al reclamant</span><span>.</span><br /><br /> <span class="hps">No</span> <span class="hps">obstant això, atès</span> <span class="hps">que els informes</span> <span class="hps">de la CNMV</span> <span class="hps">no</span> <span class="hps">són</span> <span class="hps">vinculants</span><span>,</span> <span class="hps">el grau</span> <span class="hps">de rectificació</span> <span class="hps">per</span> <span class="hps">part</span> <span class="hps">de les</span> <span class="hps">entitats</span> <span class="hps">financeres</span> <span class="hps">continua</span> <span class="hps">sent</span> <span class="hps">molt baix</span><span>:</span> <span class="hps">del 13,6</span><span>%.</span> <span class="hps">Per</span> <span class="hps">exemple</span><span>,</span> <span class="hps">en el cas</span> <span class="hps">de</span> <span class="hps">les</span> <span class="hps">dues entitats</span> <span class="hps">esmentades</span> <span class="hps">abans</span><span>,</span> <span class="hps">Bankinter</span> <span class="hps">no va rectificar</span> <span class="hps">en cap</span> <span class="hps">dels 119</span> <span class="hps">casos en què la</span> <span class="hps">CNMV</span> <span class="hps">va donar</span> <span class="hps">la raó al</span> <span class="hps">consumidor</span> <span class="hps">i</span> <span class="hps">Banc</span> <span class="hps">Santander</span> <span class="hps">ho va fer</span> <span class="hps">només</span> <span class="hps">en 28</span> <span class="hps">(d'un</span> <span class="hps">total</span> <span class="hps">de 101</span><span>)</span><span>.</span></span></p> <p><span id="result_box" lang="ca"><span class="hps">ADICAE</span> <span class="hps">va</span> <span class="hps">presentar</span> <span class="hps">davant</span> <span class="hps">la CNMV</span> <span class="hps">una denúncia</span> <span class="hps">contra 52</span> <span class="hps">bancs</span> <span class="hps">i</span> <span class="hps">caixes</span> <span class="hps">d'estalvis</span> <span class="hps">espanyoles</span> <span class="hps">per la</span> <span class="hps">comercialització</span> <span class="hps">irregular</span> <span class="hps">de participacions</span> <span class="hps">preferents en</span> <span class="hps">els</span> <span class="hps">últims</span> <span class="hps">anys</span><span>,</span> <span class="hps">pràctica</span> <span class="hps">estesa</span> <span class="hps">en l'actualitat a</span> <span class="hps">causa</span> <span class="hps">de la crisi</span> <span class="hps">de liquiditat</span> <span class="hps">per la qual</span> <span class="hps">travessa el</span> <span class="hps">sector</span> <span class="hps">bancari</span><span>.</span> <span class="hps">En la denúncia</span> <span class="hps">ADICAE</span> <span class="hps">demana</span> <span class="hps">el reemborsament</span> <span class="hps">immediat</span> <span class="hps">del 100</span><span>% del capital</span> <span class="hps">invertit</span> <span class="hps">a aquells</span> <span class="hps">consumidors</span> <span class="hps">amb</span> <span class="hps">un perfil</span> <span class="hps">de risc</span> <span class="hps">conservador que</span> <span class="hps">buscaven</span> <span class="hps">una inversió</span> <span class="hps">a termini</span> <span class="hps">fix</span> <span class="hps">amb capital</span> <span class="hps">garantit</span> <span class="hps">i</span> <span class="hps">que ja hagin</span> <span class="hps">sol·licitat el</span> <span class="hps">reemborsament.</span></span></p>