{"id":38888,"date":"2018-03-09T09:38:41","date_gmt":"2018-03-09T09:38:41","guid":{"rendered":"https:\/\/www.deberes.net\/tesis\/sin-categoria\/la-deuda-de-intereses-en-las-polizas-de-credito-bancario\/"},"modified":"2018-03-09T09:38:41","modified_gmt":"2018-03-09T09:38:41","slug":"la-deuda-de-intereses-en-las-polizas-de-credito-bancario","status":"publish","type":"post","link":"https:\/\/www.deberes.net\/tesis\/ciencias-juridicas-y-derecho\/la-deuda-de-intereses-en-las-polizas-de-credito-bancario\/","title":{"rendered":"La deuda de intereses en las polizas de credito bancario."},"content":{"rendered":"<h2>Tesis doctoral de <strong> Marta Ordas Alonso <\/strong><\/h2>\n<p>La particular situaci\u00f3n de inferioridad en que se encuentra el cliente bancario respecto a su contraparte en la relaci\u00f3n contractual ha llevado al legislador a dictar normas espec\u00edficas en la materia. Ahora bien, el legislador bancario tiene 2 finalidades diferentes a la hora de legislar; por un lado, conseguir un mercado de cr\u00e9dito transparente con el objetivo de favorecer la competencia, reducir la cuant\u00eda de los tipos de inter\u00e9s y otra serie de metas macroecon\u00f3micas (orden de 12-12-1989, orden 5-5-1994, circular banco de espa\u00f1a 8\/1990, etc). Por otro lado, proteger la consumidor de cr\u00e9dito (ley de cr\u00e9dito al consumo). Pues bien, el objeto de la tesis es el an\u00e1lisis de un aspecto espec\u00edfico de dicha normativa: las deudas de inter\u00e9s en las p\u00f3lizas de cr\u00e9dito bancario, 1 estos efectos, se estructura el estudio en 2 partes diferenciadas:  la primera persigue analizar algunos de los problemas planteados por las fuentes de la contrataci\u00f3n bancaria tales como la naturaleza civil o mercantil del cr\u00e9dito bancario, el \u00e1mbito de aplicaci\u00f3n de la ley de cr\u00e9dito al consumo, el bambito de aplicaci\u00f3n de la orden del ministerio de la presidencia de 5-5-1994 y, finalmente, los poderes normativos del ministerio de econom\u00eda y hacienda y del banco de espa\u00f1a.  la segunda parte se centra en los tipos de inter\u00e9s en las p\u00f3lizas de cr\u00e9dito por lo que se refiere a las estipulaciones previstas para el caso de cumplimiento exacto del contrato, a trav\u00e9s de 4 cap\u00edtulos dedicados, respectivamente, al an\u00e1lisis del tipo de inter\u00e9s fijo, el tipo de inter\u00e9s variable, las comisiones y gastos repercutibles y, finalmente, el coste total del cr\u00e9dito y la tasa anual equivalente.<\/p>\n<p>&nbsp;<\/p>\n<h3>Datos acad\u00e9micos de la tesis doctoral \u00ab<strong>La deuda de intereses en las polizas de credito bancario.<\/strong>\u00ab<\/h3>\n<ul>\n<li><strong>T\u00edtulo de la tesis:<\/strong>\u00a0 La deuda de intereses en las polizas de credito bancario. <\/li>\n<li><strong>Autor:<\/strong>\u00a0 Marta Ordas Alonso <\/li>\n<li><strong>Universidad:<\/strong>\u00a0 Le\u00f3n<\/li>\n<li><strong>Fecha de lectura de la tesis:<\/strong>\u00a0 30\/11\/1998<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3>Direcci\u00f3n y tribunal<\/h3>\n<ul>\n<li><strong>Director de la tesis<\/strong>\n<ul>\n<li>Etelvina Valladares Tascon<\/li>\n<\/ul>\n<\/li>\n<li><strong>Tribunal<\/strong>\n<ul>\n<li>Presidente del tribunal: rodrigo Bercovitz rodriguez-cano <\/li>\n<li>silvia Diaz albart (vocal)<\/li>\n<li>Luis humberto Claveria gonsalbez (vocal)<\/li>\n<li>Francisco Rivero hernandez (vocal)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tesis doctoral de Marta Ordas Alonso La particular situaci\u00f3n de inferioridad en que se encuentra el cliente bancario respecto a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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