Documente Academic
Documente Profesional
Documente Cultură
INGENIERÍA INDUSTRIAL
ESTUDIANTE ID PROGRAMA
ACTIVIDAD
7 Ethical Finance
8 Social Bank
10 Strategic Plan
RESUMEN COPIADO DEL ARTÍCULO EN ESPAÑOL:
La banca social es la respuesta a décadas de especulación financiera y a inversiones alejadas de un
compromiso ético y cooperativo. En este sentido, es necesario reflexionar sobre la
responsabilidad y el papel que juegan las entidades bancarias en el impacto y desarrollo social, en
sus estrategias para captar el ahorro y en los criterios que aplican para definir la concesión del
crédito y las inversiones. El sector bancario, tanto en España como en Europa, está modificando
su rumbo. El costoso aprendizaje está culminando en la concentración con un número menor de
entidades, aunque con más poder, y en la estabilidad de una banca social preocupada por la
responsabilidad y transformación social del sistema económico. La banca ética constituye el
instrumento necesario para gestionar el negocio bancario desde la transparencia con códigos
sociales y medioambientales, sin olvidar la rentabilidad económica para resistir y permanecer en
un sistema financiero exigente. El presente trabajo tiene como objetivos estudiar el origen y las
características de la banca ética, analizar su implantación en España y examinar las condiciones e
iniciativas que la entidad Triodos Bank realiza para posicionarse como banco líder con valores
éticos.
RESUMEN COPIADO DEL ARTÍCULO EN INGLÉS:
Social banking is the answer to decades of financial speculation and investments far from
an ethical and cooperative commitment. In this sense, it is necessary to reflect on the
responsibility and the role that banks play in social impact and development, in their
strategies to capture savings and in the criteria that apply to define the granting of credit
and investments. The banking sector, both in Spain and in Europe, is changing its course.
The expensive learning is culminating in the concentration with a smaller number of
entities, although with more power, and in the stability of a social bank concerned with the
responsibility and social transformation of the economic system. Ethical banking is the
necessary instrument to manage the banking business from transparency with social and
environmental codes, without forgetting the economic profitability to resist and remain in a
demanding financial system. The purpose of this work is to study the origin and
characteristics of ethical banking, analyze its implementation in Spain and examine the
conditions and initiatives that the Triodos Bank entity carries out to position itself as a
leading bank with ethical values.
Porque ayuda a satisfacer las necesidades de las personas, las entidades bancarias al hacer
inversiones en proyectos que ayuden a personas que lo necesitan ya se relaciona
directamente con lo social que gira entorno de las personas. Además porque de alguna
manera están contribuyendo de buena manera con la sociedad.
The inclusion of the banking model of Ethical Banking in Spain is relatively recent; In fact,
no entity has been founded in the Spanish financial system. So far the current has been to
establish branches, continuing with the model applied by other consolidated entities in
other countries, such as Triodos Bank and Fiare Banca Ética, and to act in accordance with
financing lines aimed at the development of sustainable projects, sharing Actively this
segment of banking business with financial institutions of traditional banking, such as
BBVA, CaixaBank and Banco Santander. This sector can become saturated and, in some
way, dilute efforts to ensure that the perception of society is based on a business model that
includes social, environmental, cultural and economic results. They also play an important
role in establishing and consolidating an ethical finance model, although more residual, the
cases of cooperatives that sell ethical savings and financing products, such as Oikocredit
and Coop57
The characteristics of the clients of ethical banking are correlated with those of the
business model or project in which they wish to invest their savings, thus exercising an
essential role in financial inclusion and support to territories and populations for which
traditional banking He had acted as a wall by denying him the necessary credit for his
development.
So that ethical banking is not a simple illusion associated with periods of financial crisis
and definitely becomes a consistent alternative, you must offer services and products with
some similarity to conventional banking and economic and social returns that provide
credibility and a clear differentiation on equal terms with traditional banking.
At present, Triodos Bank is the entity that most consciously promotes a conscious use of
money in order to create a more prosperous society, away from speculation. The main
value of the entity is to finance projects that meet a series of ethical requirements, without
the need for the guarantees required by traditional financial institutions. It carries out
initiatives and projects of local developments that would not have a place in a financial
system in which only economic profitability prevails
Thus, as an ethical bank, it makes available to the mission that leads qualified employees
with experience in the social, cultural and environmental sectors, so that the financial
resources captured from loyal customers that share values with the entity, will finance only
sustainable companies of the real economy, always informing its stakeholders with
maximum transparency. For all this, ethical banking is approaching a reality since it
demonstrates that finances are compatible with ethics and social benefit. The last financial
crisis must make the users and clients of traditional banks re-think, and demand ethical
criteria in their investment policies from these financial entities. Finally, we must point out
that the strict regulation of ethical finances must be the opportunity and purpose that
ethical banking needs, so that Triodos Bank is implanted in the financial system
definitively as a cooperative entity, supervisor of the banking activity with social function
and confirm that it is a viable alternative to a more speculative model.