Jul/090
Soon new funding agreements on anti-wear
In Rome you opened a discussion table to make more profitable fund prevention wear expected in 1996.
Among the participants in this initiative: ABI, business associations and category Confidi, National wear, Foundations and Associations wear.
The key points of negotiation will be:
- Build on shared guidelines for these rules and promote any proposals for legislative changes;
- Intervene on situations of fragility in the territories;
- Monitoring the case studies, highlighting the most problematic events;
- Seeking shared solutions and apply them, including through the cooperation of the Prefecture;
- Promote “ribancarizzazione” protested the subjects under the framework agreement (offer of Basic banking services);
- Compare the information received by the banks or Confidi, consultation and Foundations and Associations wear, putting a common factor for a smooth and problem management devoid of conflict, including the possible elaboration of a model agreement between banks and fund managers subject of prevention;
- Activate the information campaigns on how the funds with the cooperation of all stakeholders concerned;
- Promote appropriate initiatives to raise awareness throughout the country the opportunity to use of funds;
- At least six months to share with quantitative and qualitative information on the progress funds;
- Promote a day nationally and annual basis aimed at awareness on the issue of enforcement and prevention of wear, under the patronage of the highest
State authorities and the ABI.
Along with legislative and executive bodies working to combat a phenomenon that the crisis usually tends to increase and so as to allow those inside to come out this problem and who still has not fallen into this trap not for external obligations.
Source ABI Press
Apr/090
Pre-contractual information and Factsheets
Only to ensure transparency of operations and financial services (ICRC on 4 March 2003, a discipline that pursues the goal of making known to the customer which are the essential elements of the contractual relationship, with the resulting movement and the maintenance of market competition financial), the banks also choose to bring the so-called customer information sheets, which provide detailed information about the financing.
This information sheet, are dated and timely updated, contain all the information necessary to ensure the customer and are structured as follows:
- Information intermediary. Are given identification of the intermediary, including header and legal form, registered office and administration, internet address, ABI code, registration number of the overall list, or in the special of Himalia, Register number Enterprise and for foreign intermediary, any relevant supervisory authorities;
- Characteristics and risks of the transaction or service. It gives a brief description of the structure and function economical transaction or service, and ancillary services provided as well as risks of generic or specific related such as: risks of interest rate, exchange rate, indexing etc …
- Economic conditions of the service or transaction. Shall indicate the price or any other fees, charges or expenses (postage, appraisal, etc. ..), or any criminal record;
- Contractual terms governing the operation or service. ATTENTION draws the customer on terms not economic challenges such as those on a possible withdrawal, time required for completion of the transactions (e.g. loan agreement, say the payment timing of sums), tacit renewals, waivers of liability in favor of the intermediary, of course, following the standard schemes recommended by the Community institutions.