{"id":13918,"date":"2018-05-09T17:21:38","date_gmt":"2018-05-09T15:21:38","guid":{"rendered":"http:\/\/www.betterconsultants.es\/ca\/?page_id=13918"},"modified":"2024-07-16T14:09:11","modified_gmt":"2024-07-16T12:09:11","slug":"cumplimiento-normativa-bce","status":"publish","type":"page","link":"https:\/\/www.betterconsultants.es\/ca\/cumplimiento-normativa-bce\/","title":{"rendered":"Compliment Normativa BCE"},"content":{"rendered":"

[et_pb_section fb_built=”1″ custom_padding_last_edited=”off|desktop” admin_label=”section” _builder_version=”4.16″ background_image=”https:\/\/www.betterconsultants.es\/ca\/wp-content\/uploads\/2018\/05\/eu-flagx054b.png” animation_style=”zoom” animation_intensity_zoom=”2%” global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.16″ custom_padding=”230px|0px|230px|0px” custom_padding_tablet=”140px|0px|140px|0px” custom_padding_phone=”80px|0px|80px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”13px|0px|0px|0px” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_padding=”90px|0px|19px|0px” global_colors_info=”{}” column_structure=”1_2,1_2″][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”|300|||||||” header_text_color=”#000000″ header_4_text_color=”#ffffff” background_color=”#ffffff” background_layout=”dark” custom_margin=”-180px|||” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” custom_padding=”30px|30px|30px|30px” custom_padding_tablet=”80px|30px|43px|30px” custom_padding_phone=”” custom_padding_last_edited=”on|desktop” animation_style=”slide” animation_direction=”left” animation_duration=”500ms” animation_intensity_slide=”30%” animation_starting_opacity=”20%” header_font_size_tablet=”30px” header_font_size_phone=”26px” header_font_size_last_edited=”on|desktop” box_shadow_style=”preset1″ global_colors_info=”{}”]<\/p>\n

Compliment Normativa Banc Central Europeu<\/h1>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Services” _builder_version=”4.16″ custom_padding=”6px|0px|32px|0px|false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_padding=”0px|0px|27px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n

La passada crisi econ\u00f2mica i financera ha posat de manifest la insuficient adequaci\u00f3 dels mecanismes de control que es venien utilitzant com a suport al model de supervisi\u00f3 dels bancs centrals.<\/h4>\n

Les accions correctores de la Uni\u00f3 Europea no s’han fet esperar, i el Banc Central Europeu ha posat en marxa de forma progressiva nous requisits d’informaci\u00f3 que han de subministrar cada un dels bancs del sistema a trav\u00e9s dels supervisors de cada pa\u00eds. En particular, s’ha posat en relleu la insuficient adequaci\u00f3 de les estad\u00edstiques “tradicionals” per recolzar la formulaci\u00f3 de pol\u00edtiques, que requereix d’informaci\u00f3 addicional a un nivell m\u00e9s detallat.<\/h4>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”33px|0px|47px|0px|false|false” global_colors_info=”{}” column_structure=”1_2,1_2″][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider show_divider=”off” _builder_version=”4.16″ height=”51px” global_colors_info=”{}”][\/et_pb_divider][et_pb_image src=”https:\/\/www.betterconsultants.es\/ca\/wp-content\/uploads\/2018\/05\/Eurcentral-bankx34jpg.jpg” align=”center” align_tablet=”center” align_last_edited=”on|desktop” _builder_version=”4.16″ custom_margin=”25px|||” animation_style=”zoom” animation_intensity_zoom=”2%” global_colors_info=”{}” align_phone=”center”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ custom_padding=”20px|20px|20px|20px” global_colors_info=”{}”]<\/p>\n

Elaboraci\u00f3 de les declaracions<\/span><\/h3>\n

Un problema freq\u00fcent \u00e9s que les dades sol\u00b7licitades per al reporting normatiu no s’hagin emmagatzemat electr\u00f2nicament en els sistemes de les entitats amb prou garanties, tant per ser dades opcionals o simplement perqu\u00e8 no es consideraven necess\u00e0ries en el dia a dia de la gesti\u00f3.<\/p>\n

Les entitats han de detallar, en qualsevol cas, la informaci\u00f3 de cada cr\u00e8dit, pr\u00e9stec, aval, etc., a nivell individualitzat. La qualitat d’aquesta informaci\u00f3 pot variar, amb origen en m\u00faltiples sistemes i s’ha de consolidar com a pas previ a la presentaci\u00f3 a les autoritats. En definitiva, les entitats financeres han d’establir controls de qualitat i de processos que assegurin la homogene\u00eftat i consist\u00e8ncia de la informaci\u00f3.
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Split Section” _builder_version=”4.16″ custom_padding=”0px||0px|” animation_direction=”bottom” global_colors_info=”{}”][et_pb_row use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” module_class=” et_pb_row_fullwidth” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”100%” width_tablet=”100%” width_last_edited=”on|desktop” max_width=”100%” max_width_tablet=”100%” max_width_last_edited=”on|desktop” custom_margin=”0px||0px|” custom_padding=”0px||8px||false|false” animation_style=”zoom” animation_intensity_zoom=”2%” make_fullwidth=”on” global_colors_info=”{}” column_structure=”1_2,1_2″ width_phone=”100%” max_width_phone=”100%”][et_pb_column type=”1_2″ _builder_version=”4.16″ background_image=”https:\/\/www.betterconsultants.es\/ca\/wp-content\/uploads\/2018\/05\/EU-buildingx34b.jpg” parallax=”on” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ background_color=”#f4f4f4″ background_position=”top_left” custom_padding=”8%|6%|8%|6%” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n

A la Directiva de Requisits de Capital IV (DRC IV) i en el Reglament de Requisits de Capital (RRC), en vigor des de mar\u00e7 de 2014, s’estableix quines dades han de comunicar les entitats de cr\u00e8dit al seu supervisor i amb quina freq\u00fc\u00e8ncia\u00a0<\/h4>\n

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[\/et_pb_text][et_pb_divider color=”#4e5ed0″ divider_weight=”3px” disabled_on=”off|off|off” _builder_version=”4.16″ background_color_gradient_direction=”90deg” max_width=”100px” module_alignment=”left” height=”5px” custom_margin=”||20px|” custom_padding=”||20px|” animation_style=”slide” animation_direction=”bottom” saved_tabs=”all” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n

Tal com remarquen les directrius del Banc Central Europeu, els supervisors es recolzen en informaci\u00f3 estad\u00edstica per a tots els aspectes del seu treball diari. A partir de dades de supervisi\u00f3, creen perfils de risc, analitzen la liquiditat de les entitats de cr\u00e8dit i, finalment, avaluen si compleixen els requisits legals que s’exigeixen<\/h4>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ custom_padding=”28px|0px|13px|0px” global_colors_info=”{}” column_structure=”1_2,1_2″][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ custom_margin=”60px|||” animation_style=”zoom” animation_intensity_zoom=”2%” global_colors_info=”{}”]<\/p>\n

La nostra aportaci\u00f3 de valor<\/h3>\n

Better Consultants compta amb un ampli coneixement acumulat i una extensa pr\u00e0ctica professional en l’\u00e0mbit del reporting normatiu en entitats financeres, que ens permet oferir als nostres clients un servei diferencial, m\u00e9s enll\u00e0 de la integraci\u00f3 tecnol\u00f2gica.<\/p>\n

Instal\u00b7lem solucions paquetitzades en importants bancs, concretament a la gesti\u00f3 de diverses operatives reguladores d’informaci\u00f3 i estats comptables (CIRBE, SIRBE, FINREP, COREP, FTF, etc.).<\/p>\n

Les nostres solucions de gesti\u00f3 de riscos van ser adoptades en el seu moment per vuit grans entitats, entre les quals s’inclouen 2 bancs de l’IBEX.<\/p>\n

Hem llan\u00e7at recentment la nostra plataforma tecnol\u00f2gica Collateral Management System<\/a>, que facilita els processos de captura, actualitzaci\u00f3 i control de les garanties, en les companyies amb riscos financers.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider show_divider=”off” _builder_version=”4.16″ custom_padding=”50px|||” global_colors_info=”{}”][\/et_pb_divider][et_pb_image src=”https:\/\/www.betterconsultants.es\/ca\/wp-content\/uploads\/2018\/03\/Fotoxarr1.png” align_tablet=”center” align_last_edited=”on|desktop” _builder_version=”4.16″ global_colors_info=”{}” align_phone=”center”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ custom_padding=”35px|0px|50px|0px|false|false” global_colors_info=”{}” column_structure=”1_2,1_2″][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/www.betterconsultants.es\/ca\/wp-content\/uploads\/2018\/05\/ABE-x44ea.jpg” align_tablet=”center” align_last_edited=”on|desktop” _builder_version=”4.16″ custom_margin=”50px|||” animation_style=”zoom” animation_intensity_zoom=”2%” global_colors_info=”{}” align_phone=”center”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ animation_style=”zoom” animation_intensity_zoom=”2%” global_colors_info=”{}”]<\/p>\n

Informaci\u00f3 financera (FinRep)<\/h3>\n

La plantilla FINREP forma part de les normes t\u00e8cniques d’execuci\u00f3 de l’Autoritat Banc\u00e0ria Europea. Les entitats subjectes a les NIIF (Normes Internacionals d’Informaci\u00f3 Financera) ja utilitzen les plantilles FINREP per presentar informaci\u00f3 financera en format harmonitzat a nivell consolidat.<\/p>\n

Aquest requisit s’amplia a les entitats de cr\u00e8dit del Mecanisme \u00danic de Supervisi\u00f3 perqu\u00e8 presentin la informaci\u00f3 en base subconsolidada o individual d’acord amb les NIIF i als principis comptables generalment acceptats (PCGA) nacionals.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ custom_padding=”32px|0px|44px|0px|false|false” global_colors_info=”{}” column_structure=”1_2,1_2″][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n

<\/h3>\n

Informaci\u00f3 com\u00fa (CoRep)<\/h3>\n

La plantilla COREP tamb\u00e9 forma part de les normes t\u00e8cniques d’execuci\u00f3 de l’ABE que modifiquen el Reglament d’Execuci\u00f3 (UE) n\u00ba 680\/2014 de la CE.<\/p>\n

S’utilitza per recollir dades del pilar 1 i informaci\u00f3 sobre liquiditat, palanquejament i grans exposicions de les entitats de cr\u00e8dit en un format harmonitzat. Les plantilles inclouen informes tant consolidats com individuals.
\n[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/www.betterconsultants.es\/ca\/wp-content\/uploads\/2018\/03\/15.jpg” align_tablet=”center” align_last_edited=”on|desktop” _builder_version=”4.16″ animation_style=”zoom” animation_intensity_zoom=”2%” global_colors_info=”{}” align_phone=”center”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ custom_padding=”24px|0px|77px|0px|false|false” global_colors_info=”{}” column_structure=”1_2,1_2″][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/www.betterconsultants.es\/ca\/wp-content\/uploads\/2018\/05\/Eurcentral-bankx37jpg.jpg” align_tablet=”center” align_last_edited=”on|desktop” _builder_version=”4.16″ animation_style=”zoom” animation_intensity_zoom=”2%” global_colors_info=”{}” align_phone=”center”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n

Base de dades anal\u00edtica de cr\u00e9dits (AnaCredit)<\/h3>\n

AnaCredit respon a la decisi\u00f3 del consell de govern del Banc Central Europeu (BCE), que el 2016 va aprovar una nova regulaci\u00f3 estad\u00edstica que estableix una base de dades Big Data com\u00fa i granular.<\/p>\n

AnaCredit es recolza en les centrals d’informaci\u00f3 de riscos nacionals (CIRBE) i altres nous per crear una base de dades harmonitzada que serveixi de suport a les diverses funcions de banc central, com l’adopci\u00f3 de decisions de pol\u00edtica monet\u00e0ria i la supervisi\u00f3.
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Footer” _builder_version=”4.16″ background_image=”https:\/\/www.betterconsultants.es\/ca\/wp-content\/uploads\/2018\/02\/business-15.jpg” parallax=”on” custom_padding=”17px||15px||false|false” animation_style=”zoom” animation_intensity_zoom=”2%” saved_tabs=”all” global_colors_info=”{}”][et_pb_row use_custom_gutter=”on” make_equal=”on” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”|||” global_colors_info=”{}” column_structure=”1_5,3_5,1_5″][et_pb_column type=”1_5″ _builder_version=”4.16″ background_position=”top_left” custom_padding=”50px|40px|50px|40px” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ background_color=”#ffffff” background_position=”top_left” custom_padding=”50px|40px|50px|40px” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_contact_form email=”miguel.lluch@betterconsultants.es” title=”Els nostres experts en compliment normatiu es posaran en contacte amb vost\u00e8” custom_message=”Solicitud d’informaci\u00f3 de compliment normatiu desde la web de Better.||et_pb_line_break_holder||||et_pb_line_break_holder||%%Name%%||et_pb_line_break_holder||%%Company%%||et_pb_line_break_holder||%%Email%%||et_pb_line_break_holder||%%Phone%%||et_pb_line_break_holder||%%Message%%||et_pb_line_break_holder||” success_message=” 51\/5000 Missatge enviat. 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D’acord amb el que disposa Reglament (UE) 2016\/679 del Parlament Europeu i del Consell de 27 d’abril de 2016 relatiu a la protecci\u00f3 de les persones f\u00edsiques pel que fa al tractament de dades personals ia la lliure circulaci\u00f3 d’aquestes dades i pel qual es deroga la Directiva 95\/46 \/ CE (Reglament general de protecci\u00f3 de dades), Better Consultants informa que les dades personals que figuren en el present document es transmeten directament al responsable del producte o servei, sense que en cap moment es incorporin en fitxers o bases de dades amb informaci\u00f3 personal.<\/p>\n

La informaci\u00f3 facilitada s’utilitzar\u00e0 per de contactar amb vost\u00e8 una sola vegada, i exclusivament amb motiu d’aquesta sol\u00b7licitud d’informaci\u00f3. Better Consultants contactar\u00e0 amb vost\u00e8 en el termini m\u00e0xim de dos dies laborables. Un cop establerta la comunicaci\u00f3, les dades de contacte del formulari adjunt seran esborrats.<\/p>\n

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