Exclusión Financiera, Vulnerabilidad y Subordiscriminación. Análisis crítico sobre el derecho al acceso a servicios bancarios básicos en la Unión Europea | Financial Exclusion, Vulnerability and Subordiscrimination. Critical analysis on the right to acces
DOI:
https://doi.org/10.7203/CEFD.34.8917
Abstract
RESUMEN.
Este artículo analiza el fenómeno de la exclusión financiera desde las coordenadas del concepto de subordiscriminación. De manera específica, analiza si el marco normativo europeo encaminado a garantizar el derecho al acceso de los servicios bancarios básicos contiene elementos que pueden conducir a la subordiscriminación, derivados de su ambigüedad y de los límites que impone. En primer lugar, ofrece una revisión de la literatura que aporta datos sobre la exclusión y la discriminación en este ámbito. En segundo lugar, analiza la Directiva Europea de Cuentas de Pago 2014/92/UE. Finalmente, se detiene en el examen de la Comunicación Nº 10/1997, Ziad Ben Ahmed Habassi c. Dinamarca (CERD/C/54/D/10/1997) relativa a la denegación de préstamos bancarios a no ciudadanos.
ABSTRACT.
This article analyses the phenomenon of financial exclusion from the perspective of the concept of subordiscrimination. More specifically, it analyses whether the European regulatory framework aimed at ensuring this right contains elements that can lead to the discrimination, arising from its ambiguity and the limits it imposes. First, it presents a review of the literature that provides data on exclusion and discrimination. Second, it analyses the European Directive on Payment Accounts 2014/92/UE. Finally, it focuses on the examination of the Communication Nº 10/1997, Ziad Ben Ahmed Habassi c. Denmark (CERD/C/54/D/10/1997) concerning the refusal of bank loans to non-citizens.
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Author Biography
Cristina de la Cruz-Ayuso, Universidad de Deusto
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