Search results for "banc"
showing 10 items of 782 documents
La Titulización: Origen, Evolución y Regulación Actual en La U.E y en España
2022
La tesis examina la relación entre el papel de la titulización en la crisis financiera de 2007 y la regulación de la titulización en Europa en general y en España en particular. La tesis tiene dos objetivos principales e interconectados. a) El primero es demostrar que la convergencia de la titulización y las permutas de incumplimiento crediticio en el contexto del mercado hipotecario residencial estadounidense fue un catalizador de la gran crisis financiera (en adelante, la GCF), y que esto fue posible gracias a la decisión política de rechazar radicalmente una tradición de derecho consuetudinario para tratar los derivados que tiene sus raíces en la Gran Bretaña del siglo XVIII. Para argume…
Verifica del merito creditizio, responsabilità del finanziatore e "indebitamento incauto"
2014
La tesi analizza la nuova disciplina europea sul credito ai consumatori, introdotta dalla direttiva 2008/48/Ce, recepita nel nostro ordinamento con il d.lgs. n. 141/2010, che ha modificato il Testo unico bancario (d.lgs n. 385/1993). In particolare, si sofferma sull'obbligo di verifica del merito creditizio, previsto dall'art. 124 bis Tub, e sulla responsabilità del finanziatore che concede credito senza osservare il disposto della norma suddetta. Dopo aver ascritto alla responsabilità "da contatto sociale" la condotta del prestatore che concede credito in maniera poco accorta (non senza precisare che in ultima istanza la concessione disinvolta di credito avrà riflessi sulle condizioni cont…
Tra AGCM e ABF il Collegio Coordinamento sceglie il non liquet
2023
L’autore analizza la figura dell’arbitro bancario finanziario, il quale pur non essendo né un giudice né un arbitro, è chiamato in una certa misura a comportarsi “come se fosse tale”, ossia a decidere, secondo diritto, sulla domanda proposta dal cliente. Si sofferma, pertanto, sul principio espresso dal Collegio di Coordinamento dell’ABF con la pronuncia n.2460/2023 in materia di rapporti tra provvedimento sanzionatorio dell’AGCM, in materie diverse dagli illeciti “anti-trust”, disciplinati dal d.lgs. 3/2017. Conclude che, qualora l’accertamento dell’AGCM non sia ancora definitivo, l’arbitro bancario finanziario, come a fortiori il giudice, resta libero di accertare autonomamente la condott…
Is there light after depth? Distribution of periphyton chlorophyll and productivity in lake littoral zones
2014
Periphyton and phytoplankton contribute to the base of lake food webs, and both groups of microalgae are influenced by resources and physical forcing. Spatial variation in light availability interacts with the physical dynamics of the water column to create predictable depth gradients in resources and disturbance that may differentially affect periphyton vs phytoplankton. We characterized the depth distribution of chlorophyll and productivity of periphyton on sediments (epipelon) and phytoplankton in the euphotic zones of 13 oligomesotrophic lakes that span a large size gradient (0.017–32,600 km2 ). Epipelic chlorophyll usually increased with depth in the epilimnion. Light was the primary d…
Fungal root colonization and arbuscular mycorrhizal fungi diversity in soils of grasslands with different mowing intensities
2022
management that has changed in recent decades. The intensity of human-induced disturbances (primarily removal of plant biomass by various methods) has decreased, leading to changes in plant species composition and declines in plant diversity in these communities. So far, no studies have shown how mowing affects fungal communities in both roots and soils and their relation with plant community parameters and soil chemical properties in different grassland types. We thus compared the impact of mowing intensity (low, moderate, high) on root colonization by common root-inhabiting fungi, namely arbuscular mycorrhizal fungi (AMF), dark septate endophytes (DSE), and Olpidium spp., as well as on AM…
Ravinnetason ja ojituksen vaikutus suokasvillisuuden monimuotoisuuteen ja lajikoostumukseen
2013
Lajistollisessa monimuotoisuudessa on havaittavissa ajallista ja paikallista vaihtelua, joka on jo vuosisatojen ajan innoittanut ekologeja selvittämään lajirikkauden määrittäviä tekijöitä. Muun muassa pinta-alan, elinympäristön heterogeenisyyden, energian ja resurssien saatavuuden sekä erilaisten häiriöiden on havaittu vaikuttavan lajistolliseen monimuotoisuuteen. Osa monimuotoisuuteen vaikuttavista prosesseista on yhä huonosti tunnettuja, ja yksittäisen tekijän vaikutusta voi olla vaikea tulkita, sillä eri tekijät ovat keskenään vuorovaikutuksessa. Tämän tutkimuksen tavoitteena oli selvittää suokasvillisuusyhteisöjen avulla, vaikuttavatko resurssit tai häiriö (1) yhteisön lajimäärään (alfa…
Restoring ecosystem structure and functions : results from Sphagnum peatlands degraded by forestry drainage
2014
The effect of grazing history on fungal diversity in broadleaved wood pastures
2012
Traditional rural biotopes such as wood pastures are species rich habitats which have been created by extensive agriculture. In all European countries both the quality and quantity of traditional rural biotopes have drastically decreased during the past century because of increasing farming intensity. This decline is causing a threat to many species, but very little is known about the conservation ecology of fungi living in wood pastures. Considering vascular plants, it is known that sites with long management history have higher species richness compared to abandoned sites. It is also known that species richness is highest with intermediate grazing intensity. In this study I investigated i…
A Pertinência de uma Abordagem Clínica Transcultural a Distúrbios Psicossomáticos na ilha Réunion
2018
Abstract Cultural foundations, beliefs and associated ritual practices delimit the relation to and the representation and lived experience of the body in specific ways. Language is the means through which the cultural specificity of both individual and shared mental content can be explored and worked with in therapy. This article presents beliefs about the body in a patient’s religion of origin and takes up the question of the role of the cultural dimension in psychosomatic phenomena. A case report gives indications of a novel therapeutic approach to this theme and highlights the intrinsic connection between cultural belonging and embodiment. Both the two-year long clinical intervention and…