Contrato de abertura de crédito bancário

La recherche que nous avons mené à bien avait pour but, dans un premier temps de comprendre la notion de contrat, ses caractéristiques, fonctions et les garanties qui en peuvent être fournies. Nous invoquerons le contenu du contrat, c'est à dire, les effets de celui-ci en essayant de montrer les droits et obligations auxquels les parties seront liées. Bien qu'étant un contrat assez requérant dans la pratique bancaire, celui-ci n'a pas encore attiré l'attention du législateur de façon à établir un régime qui pourrait lui être appliqué au lieu de s'appuyer sur d'autres contrats lui étant similaires. Nous proposons l'analyse de la cessation du contrat, en se concentrant sur les moyens de la dissolution, survenue suite à la conclusion de l'accord comme la plainte, l'abrogation, l'expiration et la résolution du contrat, en laissant de côté la dissolution du contrat pour des raisons survenues avant la conclusion du contrat, comme la nullité et l'annulation.

Agora Nós: a audiência e os programas televisivos do canal público

A televisão do século xx e da primeira década do século XXI não foi uma televisão do espectador. A neotelevisão veio acabar com a ligação unidireccional que a paleotelevisão mantinha com o telespectador, criando uma maior proximidade devido às semelhanças com o quotidiano do individuo. O talk-show, o género televisivo mais popular na América nos anos 90, é frequentemente a principal companhia e fonte de informação para milhares de espectadores. O talk-show alia informação ao entretenimento através do talk, com entrevistas entre convidado e apresentador intercaladas por momentos de humor e música, o show. O sucesso de um talk-show é observável pela audiência registada, uma vez que as emissões são feitas de acordo com o perfil do público que assiste televisão nesse determinado período. Em Portugal, o entretenimento representado pela ficção e pelos programas recreativos, ocupa uma grande parte da grelha de programação da televisão generalista. Na RTP, vários foram os talk-shows que serviram de modelo para outros programas pela forma peculiar e inovadora com que se apresentaram, como é o caso do Praça da Alegria. Em 2014, a renovação das manhãs da RTP foi assinalada pela estreia do Agora Nós, um talk-show com incidência nas histórias de vida do cidadão comum. Estas histórias tornam-se exemplos de vida para os espectadores, aproximando-os e identificando-os com o programa. O Agora Nós está inserido num canal de serviço público e, portanto, deve assegurar conteúdos variados, de referência e qualidade, com valorização cultural, económica e educacional que corresponda às necessidades e interesses do público.

O crédito bancário

The aim of the present dissertation is the analysis of the regime established by Decree-Law No. 227/2012 of 25 October. Reflecting on the referred regime, as a measure to prevent and manage situations of failure to meet the obligations assumed by consumers, the study focuses on the plan of action for debt risk and the extrajudicial procedure to regularize situations of default. The main point is to analyze the purpose and the scope of the regime, and to discuss some key-concepts relevant to its application. In addition, another two figures presented in the regime of Decree-Law No. 227/2012 are considered, namely: the Credit Mediator and the Extrajudicial Network for Bank Clients Support, making reference to their role and the scope of their intervention. Finally, along the work on the present Decree-Law, the some international practices are also analyzed, making reference to the problem of financial illiteracy, and mentioning three foreign examples regarding the adopted solutions to the problem of different legal systems, with reference to consumers’ over-indebtedness.

O incumprimento do contrato de crédito ao consumo pelo consumidor

Consumer relations, established between the Consumer and the Creditor, which carry a consequent inequality of contractual positioning between the parties, have been pushing the legislator to adopt more rigid regulations with regard to lending for the purchase of goods or services of consum issues. In this sense, the Decree-Law 359/91 was approved, meanwhile repealed by the Decree-Law 133/2009, which regulates the consumer credit agreement’s regime in the portuguese legal system. Through this contract, the financier makes available to the consumer a certain amount of money, which the consumer must repay, plus the respective remuneration (interest) and other charges, according to a refund plan agreed by the parties. The consumer will be in delay if he breaches this stipulation. In case of default, the creditor, notwithstanding, can choose to wait for the performance by the debtor, promote the loss of benefit of the term or the termination of the contract. From the outset it would seem that, in one way or another, the financier, by imposing a forced shortening of the contract duration initially agreed, will lose the right to remuneration for the provision of capital agreed, but not verified. Nevertheless, unlike presently, the previous regime allowed the parties to rule otherwise, being permitted to agree to the payment of interest of outstanding installments. On the other hand, in the consumer credit contract the principle of freedom of contractual provision of the parties is strongly mitigated by the special legislation, which prevents the waiver of rights by the consumer, and by the regime of general contractual terms, which restricts the freedom of the financier to stipulate the contractual content freely and the freedom of the consumer to negotiate. For all these reasons, associated with the growing need of credit resource to satisfy their needs of consumption, it is confirm the relevance of legislative intervention on consumers protection in the context of hiring credit.

O incumprimento do contrato de crédito ao consumo pelo consumidor

Consumer relations, established between the Consumer and the Creditor, which carry a consequent inequality of contractual positioning between the parties, have been pushing the legislator to adopt more rigid regulations with regard to lending for the purchase of goods or services of consum issues. In this sense, the Decree-Law 359/91 was approved, meanwhile repealed by the Decree-Law 133/2009, which regulates the consumer credit agreement’s regime in the portuguese legal system. Through this contract, the financier makes available to the consumer a certain amount of money, which the consumer must repay, plus the respective remuneration (interest) and other charges, according to a refund plan agreed by the parties. The consumer will be in delay if he breaches this stipulation. In case of default, the creditor, notwithstanding, can choose to wait for the performance by the debtor, promote the loss of benefit of the term or the termination of the contract. From the outset it would seem that, in one way or another, the financier, by imposing a forced shortening of the contract duration initially agreed, will lose the right to remuneration for the provision of capital agreed, but not verified. Nevertheless, unlike presently, the previous regime allowed the parties to rule otherwise, being permitted to agree to the payment of interest of outstanding installments. On the other hand, in the consumer credit contract the principle of freedom of contractual provision of the parties is strongly mitigated by the special legislation, which prevents the waiver of rights by the consumer, and by the regime of general contractual terms, which restricts the freedom of the financier to stipulate the contractual content freely and the freedom of the consumer to negotiate. For all these reasons, associated with the growing need of credit resource to satisfy their needs of consumption, it is confirm the relevance of legislative intervention on consumers protection in the context of hiring credit.

Facebook como o novo canal de distribuição de notícias

As redes sociais estão a mudar a forma como os leitores acedem a conteúdos noticiosos e interagem com eles, não só recomendando notícias como facilitando conversas. Hoje, o Facebook é parte do quotidiano de um quinto da população mundial. Mas poderá esta rede social ser um canal de distribuição de notícias online? Esta investigação a que nos propomos tem por base o estudo de caso do Correio da Manhã, um dos jornais portugueses com maior circulação em papel e que se tornou líder no digital, em grande parte, graças à sua estratégia nas redes sociais. A análise e a aplicação de conceitos sobre o uso do Facebook, com vista ao aumento das audiências de um site noticioso, permitem tirar conclusões, quantitativas e qualitativas, sobre a problemática em questão. Como podem as publicações jornalísticas tirar melhor partido do Facebook? Deverá o jornalismo digital especializar-se na distribuição de notícias através das redes sociais? Quais as estratégias a aplicar para incrementar as audiências de um website através do Facebook como canal de distribuição? Neste contexto, pretendeu-se fazer uma análise sobre a forma como os meios de comunicação social estão a usar o Facebook para uma abordagem das melhores práticas jornalísticas nesta rede social. É nosso propósito examinar o papel das notícias no Facebook e a forma como os jornalistas se devem comportar, numa tentativa de criar regras para se tirar o melhor proveito do Facebook em função das audiências

O crescimento do sector bancário e a concessão de crédito às empresas : o caso de Angola

Mestrado em Ciências Empresariais

Could concomitant radio-chemotherapy improve the outcomes of early-stage node negative anal canal cancer patients? A retrospective analysis of 122 patients.

One hundred twenty-two early-stage anal canal cancer patients (median age: 69 years) were treated with curative radiotherapy with (70 patients) or without (52 patients) concomitant chemotherapy. Median follow-up was 65 months (range: 4-238). At multivariate analysis, concomitant chemotherapy significantly improved local control (p = .007). Local control significantly influenced all considered endpoints, except the metastases free survival. The global rates of G3-G4 acute and late toxicity were 13.1% and 8.2%, respectively, and they were not increased by concomitant chemotherapy. Finally, concomitant chemotherapy is efficacious and safe in the treatment of T1-2N0 anal canal cancer patients and should be prospectively studied.

Resultate und ausser- gewöhnliche Komplikationen der Chirurgie der Gehörgangexostosen [Results and extraordinary complications of surgery for exostoses of the external auditory canal].

We present a retrospective study on 22 operations of exostosis of the external auditory canal in 20 patients. 8 patients were passionated by water sports. The most frequent indication for surgery (13 operations) was recurrent external otitis or ceruminal obstruction. In 7 cases the need for a wider access to the middle ear indicated surgery. Surgery was usually performed as an outpatient procedure, maximum hospitalization was 3 days. The mean healing period was 6 (3-10) weeks. Mean follow up was 43 (3-110) months. There were no severe intraoperative complications such as facial paresis, lesions of the ossicles or of the inner ear. As intraoperative complications we found 2 perforations of the tympanic membrane, 2 expositions of the capsule of the mandibular joint, one of which was followed by chronic pain. As postoperative complications we found an early soft tissue stenosis of the external auditory canal and one late soft tissue stenosis which recurred after revision surgery. No recurrence of exostosis was seen. We describe an up to now unknown complication: the appearance of bilateral petrositis caused by staphylococcus epidermidis after bilateral surgery in an otherwise healthy patient. This study confirms that severe complications are rare, minor ones however relatively common. And that also minor complications may have a troublesome follow. Therefore and because of the potential of severe complications indication for surgery must be made cautiously and risks of the operation must not be underestimated.

Le Canal de Suez : journal maritime et commercial

1870/01/15 (A15,N324)-1870/01/17.

Le Canal de Suez : journal maritime et commercial

1935/04/05 (N2055).

Le Canal de Suez : journal maritime et commercial

1870/08/04 (A15,N344).