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Os membros do órgão de administração das instituições de crédito devem ser pessoas adequadas e idóneas. O acesso aos cargos na administração dos bancos encontra se dependente da avaliação positiva dos requisitos de adequação e idoneidade e da subsequente autorização para o exercício de funções concedida pelas autoridades de supervisão. Nesta dissertação, propomo-nos a analisar os critérios e os procedimentos de avaliação e reavaliação da adequação e idoneidade e a refletir acerca da importância do Banco de Portugal enquanto autoridade nacional de supervisão bancária. Da análise do regime legal da adequação e idoneidade surgem várias questões pertinentes às quais o RGICSF não parece dar uma resposta suficiente. Assim, na presente dissertação, procuraremos responder às seguintes questões: Como se dividem os poderes de supervisão atribuídos ao Banco de Portugal e ao Banco Central Europeu no âmbito do Mecanismo Único de Supervisão? Os indícios de inidoneidade são presunções absolutas? A constituição como arguido num processo-crime é indiciadora da falta de idoneidade? Podem ser tidas em consideração circunstâncias da vida privada não diretamente relacionadas com o modo como o administrador gere os seus negócios ou exerce a profissão? Durante quanto tempo podem os administradores ficar impedidos de exercer a sua profissão? Quais os órgãos responsáveis, no seio da instituição, pela realização da avaliação? Quais as diferenças entre os critérios e os procedimentos de avaliação e reavaliação? A perda de idoneidade superveniente é motivo de justa causa de destituição?
The members of the management body of credit institutions should be suitable and reputable. Access to the banks' management body is dependent on the positive assessment of the fit and proper requirements, as well as the subsequent authorization granted by the supervisory authorities. In this dissertation, we propose to analyze the criteria and procedures for assessing and reassessing the suitability and reputation of the members of the banks' management body and to reflect about the importance of Banco de Portugal as the national supervisor authority in the banking sector. From the analysis of the legal fitness and probity regime, several pertinent questions arise to which the RGICSF does not seem to provide a sufficient answer. Therefore, throughout this dissertation, the following questions are intended to be answered: How are the supervisory powers of the Banco de Portugal and the European Central Bank shared within the Single Supervisory Mechanism? Are indications of lack of reputation considered absolute presumptions? Does being a defendant in a criminal process indicate lack of reputation? Can circumstances of the director's private life that are not directly related to the management of the business or the exercise of the profession be considered? How long can directors be prevented from practicing their profession? Who is responsible within the institution for conducting the evaluation? What are the differences between the criteria and procedures for evaluation and reevaluation? Is the supervening loss of suitability a reason for dismissal?
The members of the management body of credit institutions should be suitable and reputable. Access to the banks' management body is dependent on the positive assessment of the fit and proper requirements, as well as the subsequent authorization granted by the supervisory authorities. In this dissertation, we propose to analyze the criteria and procedures for assessing and reassessing the suitability and reputation of the members of the banks' management body and to reflect about the importance of Banco de Portugal as the national supervisor authority in the banking sector. From the analysis of the legal fitness and probity regime, several pertinent questions arise to which the RGICSF does not seem to provide a sufficient answer. Therefore, throughout this dissertation, the following questions are intended to be answered: How are the supervisory powers of the Banco de Portugal and the European Central Bank shared within the Single Supervisory Mechanism? Are indications of lack of reputation considered absolute presumptions? Does being a defendant in a criminal process indicate lack of reputation? Can circumstances of the director's private life that are not directly related to the management of the business or the exercise of the profession be considered? How long can directors be prevented from practicing their profession? Who is responsible within the institution for conducting the evaluation? What are the differences between the criteria and procedures for evaluation and reevaluation? Is the supervening loss of suitability a reason for dismissal?
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Keywords
Supervisão bancária Governo dos bancos Adequação Idoneidade Órgão de administração Instituições de crédito Banking supervision Governance of banks Suitability Reputation Management body Credit institutions