Evaluación de la solvencia (Creditworthiness Assessment)

20 Pages Posted: 18 Jul 2019

See all articles by Fernando Zunzunegui

Fernando Zunzunegui

Universidad Carlos III de Madrid - Faculty of Social Sciences and Law

Date Written: July 17, 2019

Abstract

Spanish Abstract: Hay normas de gobierno de productos, que condicionan la producción y distribución de los préstamos a la satisfacción de las necesidades de los clientes a los que se destinan, y unas normas de conducta, de conocer al cliente, evaluarle y suministrarle por personal cualificado información clara y comprensible sobre el producto ofrecido. En este capítulo nos vamos a ocupar de la obligación de evaluación de la solvencia del potencial prestatario. La correcta evaluación requiere conocer al cliente y para conocer al cliente es necesario evaluarlo con profesionalidad.

English Abstract:There are rules of product governance which condition the design and distribution of loans to meet the needs of targeted customers. There are also conduct of business rules to know the customer, assess him and provide him clear and comprehensible information on the product by qualified staff. This chapter addresses the obligation to carry out the creditworthiness assessment of the potential borrower. The correct assessment requires to know the client, and to know the client it is necessary to assess him in a professional manner.

Note: Downloadable document is in Spanish.

Keywords: Crédito inmobiliario, MiFID II, cliente, evaluación de la solvencia, Immovable credit, MiFID II, client, creditworthiness assessment

JEL Classification: G15, G18, G21, G28, G32, G28, K22

Suggested Citation

Zunzunegui, Fernando, Evaluación de la solvencia (Creditworthiness Assessment) (July 17, 2019). Available at SSRN: https://ssrn.com/abstract=3421447 or http://dx.doi.org/10.2139/ssrn.3421447

Fernando Zunzunegui (Contact Author)

Universidad Carlos III de Madrid - Faculty of Social Sciences and Law ( email )

Getafe (Madrid), 28903
Spain

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