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A recuperação e resolução bancária à luz do regime jurídico angolano : exemplo prático - a liquidação do Banco Mais S.A. : “uma visita ao regime adoptado pela via Europeia - Portugal”
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Abstract(s)
As crises financeiras resultam em instabilidades significativas nos mercados financeiros, resultando em inúmeros problemas económicos, incluindo a falta de liquidez e, nos casos mais críticos, o colapso das instituições financeiras bancárias. Por sua vez, a resolução bancária é um instrumento importante para evitar ou minimizar os efeitos das crises, através de medidas destinadas a proteger a estabilidade do sistema financeiro, a garantir a confiança dos depositantes e a evitar outros impactos negativos conexos.
Esta dissertação aborda a recuperação e resolução bancária à luz do regime jurídico angolano e oferece uma visão abrangente do tema no contexto angolano. Inicia-se com a caracterização do instituto jurídico-económico de vários Sistemas Jurídicos: Soft-Law, regime americano, europeu - mais concretamente o regime português (artigo 145.º-C e seguintes do RGICSF),1 Decreto-Lei n.º 199/2006, de 25 de outubro, Decreto-Lei n.º 31-A/2012, de 10 de fevereiro e Decreto-Lei n.º 23-A/2015, de 26 de março 2, e para o regime angolano serão analisados alguns preceitos consagrados nos seguintes diplomas (Lei n.º 14/21, de 19 de maio - Lei do Regime Geral das Instituições Financeiras, Decreto Presidencial n.º 195/18, de 22 de agosto - trata do Fundo de Garantia de Depósitos, Decreto Presidencial n.º 111/22 de maio - Regula o Fundo de Resolução), em articulação com demais legislação e regulamentação aplicáveis, sobre o qual incidirá a maior análise crítica deste trabalho.
Serão realizados estudos sobre as atuais medidas de resolução bancária, revelando as diferentes formas implementadas pelas mais diversas realidades jurídicas que delimitam a nossa abordagem, o que naturalmente levanta a necessidade de analisar se as medidas de resolução em vigor em Angola são ou não compatíveis com os critérios mínimos de resolução aplicáveis e recomendados internacionalmente? E, para compreender, como é que o regime angolano se pode inspirar nas práticas adotadas pelo regime em vigor na Europa, que tendo em conta a sua importância de coordenação internacional, existe a necessidade de um sistema integrado de resolução bancária.
Financial crises result in significant instabilities in financial markets, resulting in numerous economic problems, including a lack of liquidity and, in the most critical cases, the collapse of banking financial institutions. In turn, bank resolution is an important tool to avoid or minimise the effects of crises, through measures to protect the stability of the financial system, ensure depositor confidence and avoid other related negative impacts. This dissertation addresses bank recovery and resolution in the light of the Angolan legal regime and offers a comprehensive view of the subject in the Angolan context. It begins with the characterization of the legal-economic institute of several Legal Systems: Soft-Law, American regime, European regime - more specifically the Portuguese regime (article 145-C et seq. of the RGICSF),3 Decree-Law No. 199/2006, of 25 October, Decree-Law No. 31-A/2012, of 10 February and Decree-Law No. 23-A/2015, of 26 March 4, and for the Angolan regime, some precepts enshrined in the following diplomas will be analysed (Law No. 14/21, of 19 May - Law on the General Regime of Financial Institutions, Presidential Decree No. 195/18, of 22 August - deals with the Deposit Guarantee Fund, Presidential Decree No. 111/22 of May - Regulates the Resolution Fund), in conjunction with other applicable legislation and regulations, on which the greatest critical analysis of this work will focus. Studies will be carried out on the current bank resolution measures, revealing the different forms implemented by the most diverse legal realities that delimit our approach, which naturally raises the need to analyze whether or not the resolution measures in force in Angola are compatible with the applicable and internationally recommended minimum resolution criteria? And, to understand, how the Angolan regime can be inspired by the practices adopted by the regime in force in Europe, that taking into account its importance of international coordination, there is a need for an integrated bank resolution system.
Financial crises result in significant instabilities in financial markets, resulting in numerous economic problems, including a lack of liquidity and, in the most critical cases, the collapse of banking financial institutions. In turn, bank resolution is an important tool to avoid or minimise the effects of crises, through measures to protect the stability of the financial system, ensure depositor confidence and avoid other related negative impacts. This dissertation addresses bank recovery and resolution in the light of the Angolan legal regime and offers a comprehensive view of the subject in the Angolan context. It begins with the characterization of the legal-economic institute of several Legal Systems: Soft-Law, American regime, European regime - more specifically the Portuguese regime (article 145-C et seq. of the RGICSF),3 Decree-Law No. 199/2006, of 25 October, Decree-Law No. 31-A/2012, of 10 February and Decree-Law No. 23-A/2015, of 26 March 4, and for the Angolan regime, some precepts enshrined in the following diplomas will be analysed (Law No. 14/21, of 19 May - Law on the General Regime of Financial Institutions, Presidential Decree No. 195/18, of 22 August - deals with the Deposit Guarantee Fund, Presidential Decree No. 111/22 of May - Regulates the Resolution Fund), in conjunction with other applicable legislation and regulations, on which the greatest critical analysis of this work will focus. Studies will be carried out on the current bank resolution measures, revealing the different forms implemented by the most diverse legal realities that delimit our approach, which naturally raises the need to analyze whether or not the resolution measures in force in Angola are compatible with the applicable and internationally recommended minimum resolution criteria? And, to understand, how the Angolan regime can be inspired by the practices adopted by the regime in force in Europe, that taking into account its importance of international coordination, there is a need for an integrated bank resolution system.
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Keywords
Instituição de crédito Crise financeira Resolução bancária Sistema financeiro Fundo de garantia Depósitos Teses de mestrado - 2024 Credit institution Financial crisis Bank resolution Financial system Guarantee fund Deposits