El colapso del bacalao: la construcción de la memoria ayer y hoy

[ES]El bacalao de los Grandes Bancos de Terranova sigue sin recuperar sus stoks biológicos en el año 2005. Se llegó a esta situación por una combinación de factores. Este trabajo muestra la respuesta de los pescadores ante la prohibición del pescar el Food Fishery, donde se analiza la reconstrucción de la memoria y el afianzamiento de espacios de poder en función de los datos.

Estrategias empresariales en el sector bancario

[ES]La internacionalización ha sido una de las principales estrategias de crecimiento llevadas a cabo por la gran banca española, sobre todo a partir de la década de los 90. Es en esta década cuando hubo un destacable salto por parte de las entidades españolas hacia el mercado latinoamericano en especial, así como hacia Europa y Estados Unidos. Por otro lado, una vez comenzada la crisis financiera -entre finales de 2007 y principios de 2008-, dicho proceso de expansión se vio mermado, debido a que la banca tuvo que afrontar una nueva etapa de reforzamiento interno en la que todavía sigue inmersa. En el presente trabajo, tomando como ejemplos los bancos Santander y BBVA, se tratarán de analizar tanto los motivos y destinos de la mencionada expansión internacional; así como el nuevo entorno en el que tras la crisis y, una vez realizados los distintos procesos regulatorios, el sistema bancario español tendrá que desarrollar su actividad. A su vez, también serán objeto de análisis los modelos de negocio planteados por las dos entidades, a través de los cuales podremos definir algunas de las estrategias que se presentan en este nuevo entorno económico-financiero.

Heteronormatividade e sexualidades LGBT: repercussões dos discursos escolares sobre sexualidade na constituição das sexualidades não normativas

As práticas discursivas que constituem e sustentam as concepções de sexo e de sexualidade nas sociedades contemporâneas são fortemente arraigadas no discurso normalizado e normalizador segundo o qual há apenas dois sexos que se evidenciam em corpos masculinos ou femininos, naturalmente distintos biológica e fisionomicamente e reconhecíveis em modos de ser diversos - mas perfeitamente identificáveis com o sexo biológico (nascer com pênis/nascer com vagina). Esse sistema dicotômico afirmou por muitos anos uma concepção inequívoca de o que é e como ser homem ou mulher; restringiu os corpos a uma performance estereotipada de masculinidade e de feminilidade; conformou os discursos sobre gênero e sexo e naturalizou a heterossexualidade. Entretanto, o sistema binário no qual se funda a heterossexualidade encontra fissuras ante as identidades sexuais e de gênero que ora se evidenciam e desestabilizam a (hetero)sexualidade normativa. Sustentadas pela teoria queer e por autores como Judith Butler, Michel Foucault e Beatriz Preciado, minhas discussões nesta tese focalizam as repercussões e marcas dos discursos escolares na produção de corpos, gêneros e sexualidades de lésbicas, gays, bissexuais e transgêneros LGBT. Interessa indagar, a partir das narrativas desses sujeitos, as formas como as sexualidades têm sido trabalhadas como conteúdo escolar e discutir os possíveis efeitos das práticas escolares na constituição das sexualidades LGBT. Como constituir-se como sujeito fora da norma em um espaço-tempo altamente regulado como o currículo escolar? Busco evidenciar que, mesmo às margens dos discursos socialmente legitimados que circulam na escola, cuja pretensão é manter a hegemonia da história universal onde apenas alguns sujeitos são inscritos e reconhecidos como inteligíveis, os sujeitos LGBT produzem suas histórias e criam modos de vida. Minhas contribuições ao debate do tema se referem à possibilidade de desconstrução dos discursos predominantes no espaço-tempo da escola que enfatizam as concepções naturalizadas de sexo, de gênero e de sexualidade. Neste sentido acentuo a necessidade de novas/outras abordagens que incluam todas as sexualidades no espaço de inteligibilidade habitado pela norma heterossexual e apontar indícios de como os discursos predominantes contribuem para a manutenção da heteronormatividade e do heterossexismo. As narrativas dos sujeitos LGBT apontam a necessidade de repensar as práticas escolares, visando desconstruir concepções naturalizadas em torno da vivência da sexualidade e avançar das políticas de tolerância para uma política da diferença na qual a concepção do que é ser humano esteja sempre em aberto.

Marketing de servicios financieros: analisis teórico y estudio de casos

(ES)Este trabajo de fin de grado, se centra en conocer y comprender la singularidad del marketing aplicado a los servicios financieros atendiendo a sus características, aplicaciones, desarrollos y funciones y objetivos. Para ello, el trabajo comenzará por un análisis teórico elaborado tras la revisión crítica de la bibliografía referenciada al final del trabajo. Continuará con un estudio empírico en el que analizaremos diferentes estrategias y acciones de marketing llevadas a cabo por dos entidades bancarias españolas de características diferentes: BBVA y EVO Banco. Por último, concluiremos el trabajo con la enumeración de las principales conclusiones extraídas de nuestra investigación y en relación a la Bibliografía y Webgrafía consultada.

Uma Análise da Desigualdade de Crédito entre os Municípios do Rio de Janeiro 2000 a 2009

O objetivo desta dissertação é analisar a distribuição regional do crédito no estado do Rio de Janeiro, em particular o comportamento de agências e a distribuição do movimento financeiro bancário, e suas relações com a dinâmica de desenvolvimento econômico no estado do Rio de Janeiro. Para cumprir com este objetivo foram construídos indicadores a partir de dados relativos à atividade econômica e do balanço consolidado das agências bancárias dos 92 municípios fluminenses para o período de 2000 a 2009. Através da análise destes indicadores conclui-se que a despeito da forte concentração econômica e de crédito na região metropolitana do estado do Rio de Janeiro, as cidades do interior vem apresentando um dinamismo diferenciado evidenciando certa tendência à desconcentração do crédito, acompanhando a tendência de desconcentração econômica, reforçando a relação entre desenvolvimento econômico e financeiro e a concepção de que o movimento financeiro se concentra no entorno de cidades de forte dinamismo econômico.

"Calmaria" e "alvoroço" no encontro das águas: ritmo e pertencimento entre pescadores e veranistas na Praia de Atafona, RJ

Este trabalho tem como objeto de estudo as interações, envolvimentos e percepções de pescadores e veranistas com o local escolhido para morar e visitar: a praia de Atafona. Situada no litoral norte fluminense, no município de São João da Barra, às margens da foz de um dos maiores rios do sudeste brasileiro, o rio Paraíba do Sul, Atafona é uma praia que está sendo engolida pelo mar ao longo dos últimos 60 anos. Mais de 14 quarteirões já foram destruídos pelo mar durante este período, modificando constantemente a configuração e ocupação do espaço praieiro. Junto a esta situação peculiar, existem também outros eventos que modificam a pequena praia em determinados períodos do ano, como a chegada volumosa de veranistas e turistas na festa religiosa da padroeira da praia Nossa Senhora da Penha - e na temporada de verão. Para narrar os vínculos de pescadores e veranistas com a praia, a presente tese centrou-se nas historias pessoais vivenciadas em torno da temporada de verão, da Festa da Penha e das ondas do avanço do mar. Como veremos ao longo das descrições etnográficas, a compreensão de repetições e regularidades de eventos cíclicos, como também a forma de habitar e se relacionar com um espaço, requer entender as movimentações de continuidades em estreita relação com processos de descontinuidades, onde imprevistos, viradas de quadra, atalhos, ruinas e reocupações também orientam e desorientam ritmos e pertencimentos com a praia de Atafona. Ritmo e pertencimento são trabalhados a partir desta perspectiva relacional, trazendo o enfoque para as constantes negociações, reocupações e ações criativas que moradores e visitantes tem com o local. Desse maneira, entender os envolvimentos e pertencimentos de pescadores e veranistas com as transformações anuais e a longo prazo foi também trabalhar com desencontros, desafetos e maragrados revelados nas diferentes historias de vida dos interlocutores da pesquisa.

紫茎泽兰种子库及幼苗动态特征

紫茎泽兰（Eupatorium adenophorum）是臭名昭著的世界性恶草之一，目前已对全世界30多个国家和地区造成入侵危害，大约在20世纪30年代入侵我国，在我国西南地区造成了严重的危害。本文以四川省攀枝花市遭受紫茎泽兰入侵危害严重的生态系统为研究对象，分别对不同生境下的紫茎泽兰土壤种子库进行调查，以探究紫茎泽兰土壤种子库的结构，并分析人类干扰对土壤种子库结构的影响。并在种子库调查的基础上设计了两项盆栽实验，研究紫茎泽兰土壤种子库的结构的改变导致的紫茎泽兰种子环境因子的改变，从而影响紫茎泽兰种子的萌发、幼苗的命运，以期阐明人类干扰对紫茎泽兰入侵的影响。另外连续测定紫茎泽兰早期生长的生物量，研究紫茎泽兰生物量增长、分配规律，并与其它几种本地种相比较，说明紫茎泽兰能够入侵成功的原因。 在攀枝花紫茎泽兰入侵严重的地区，通过取样研究果园、放牧灌丛以及禁牧灌丛3种不同生境紫茎泽兰土壤种子库特征，发现这3种生境的土壤种子库大小分别为10422粒m-2，3522粒m-2和2889粒m-2 。果园、放牧灌丛和禁牧灌丛等3种干扰程度不同生境的深层种子量占总种子量的比例分别为56.44%，46.96%，24.86%（p=0.006）。从干扰程度上来说，由于果园>放牧灌丛>禁牧灌丛，这一结果表明土壤深层种子量大小与干扰成正比，干扰越大，深层次紫茎泽兰种子量占总种子量的比重越大。由此可以推测，人类的干扰使得紫茎泽兰土壤种子库结构发生了改变，一方面人类干扰导致生境植被覆盖不同，干扰越大，植被覆盖度越小，土壤种子库越大，另一方面人类活动对土壤的直接扰动，使土壤种子库结构发生变化，在放牧灌丛和果园2种生境中，由于人类活动的影响，促使了紫茎泽兰土壤种子库表层种子向下层转移，而且转移量与干扰程度成正相关。由于一定深度埋藏的紫茎泽兰种子萌发的幼苗具有较低的死亡率，进入土壤深层的紫茎泽兰种子越多，紫茎泽兰的长久性土壤种子库就越大，对紫茎泽兰幼苗的补充和定居越有利，入侵也就越难以治理。 初步研究了光照、水分和种子在土壤中的埋藏深度等对紫茎泽兰幼苗的影响，结果发现，1) 播种在0cm、2cm、5cm深度的种子萌发率分别为64.67%、22.67%、13.33%，即种子埋藏越深，萌发率越低，不同层次种子萌发率差异极显著(p=0.00)；幼苗死亡率分别为27.95%、0、0，表层种子萌发的幼苗有较高的死亡率，而由埋藏在深层种子萌发的幼苗没有死亡，土壤表层发芽的幼苗与不同埋藏深度种子萌发的幼苗之间死亡率差异极显著(p=0.00)；2) 在无遮蔽、半遮蔽、全遮蔽3种不同情况下，紫茎泽兰幼苗的死亡率分别为72.15%、30.38%、4.87%，定居率分别为6.66%、33.99%、46.67%，即遮蔽程度越高，死亡率越低，定居率越高，不同处理之间死亡率和定居率差异均极显著（p=0.00）；3) 在浇水、不浇水这2种水分条件下紫茎泽兰的萌发率分别为41.56%、32% (p=0.021)；死亡率分别为35.8%、35.23% (p=0.934)；定居率分别为29.11%、22.66% (p=0.083)，说明水分因子对萌发率的影响显著，对死亡率、定居率的影响不显著。上述结果表明，土壤埋藏深度、光照和水分都是影响紫茎泽兰幼苗萌发的重要因素：一定深度的土壤埋藏能够有效降低紫茎泽兰幼苗的死亡率；光照强度与紫茎泽兰幼苗死亡率成正相关；而水分对紫茎泽兰幼苗的存活影响不显著。 通过跟踪调查紫茎泽兰的早期生长的生物量，发现紫茎泽兰生物量和高度增加迅速,且生物量的增加主要来自地上部分量的增加，而本地灌木却生长缓慢。与本地种相比，紫茎泽兰的根冠比很小，在生殖分配上，紫茎泽兰与本地灌木相比又比较大。另一方面，在生长季到来的时候，紫茎泽兰能够迅速生长，并将大部分生物量分配到地上部分；而在旱季，当许多本地本植物由于枯死、休眠进入休眠状态时，紫茎泽兰却能继续生长，从而确保其在竞争中的空间优势。 综上所述，人类活动的干扰可能导致更多的紫茎泽兰种子进入土壤深层，从而改变了紫茎泽兰土壤种子库的结构；种子萌发后强光直射可能是导致紫茎泽兰幼苗死亡的重要原因；由于土壤深层种子比表层种子具有更强的抵抗强光照射等不良环境因子影响的能力，所萌发的幼苗成活率高，表明其具有更高的繁殖效率。因此可以说是人类活动的干扰不但加剧了紫茎泽兰的入侵，也使得紫茎泽兰入侵后难以根除。

水库滑坡复活机理及其发展趋势预测研究

Various numbers of ancient landslides of various scales are frequently distributed on both banks of reservoirs, especially large reservoirs, both in China and abroad. During inundation and operation of theses reservoirs, some of the landslides are reactivated, which caused losses of people's lives and properties to various extents, some even disasters. Systematic studies are, however, very few on the reservoir-induced reactivation mechanism and development tendency prediction. Based on investigation of reservoir-induced reactivation phenomena of ancient landslides and relevant existing research problems, a systematic study is carried out on the field identification, induced reactivation mechanism, development tendency prediction, risk decision-making and treatment of reservoir-related ancient landslides, through analysis of large numbers of engineering geological investigation results, scientific experimental and research results, in combination with prevention and treatment practices of reservoir-related landslides both in China and abroad, and a series of research results have been obtained. 1. On the basis of study of the distribution features, genesis mechanism of ancient landslides on river banks, a set of scientific methods are summarized on field identification of ancient landslides, and a significant method named "lithologic sequence method" or "indicator layer method", is proposed, which is proved to be very useful. 2. A detail study is made on the reservoir-induced hydraulic effects and material mechanic effects (or softening effects) on the ancient landslide through model and case studies, which concludes that the magnitude and properties of reservoir-induced hydraulic effects are related to the shapes of sliding planes, water content and permeability of landslide materials and variation rate and magnitude of reservoir levels; the magnitude of material mechanic effects are related to the material composition (including mineral composition and grain size), natural water content and saturation state of sliding zones. Also a sensitive analysis is made on the factors that are related to the stabilities of the landslides, which indicate that the stability of a landslide is more sensitive to the groundwater head h_w in the slides and the inner friction angleψof sliding zones than others. 3. The joint inducing mechanism of rainfall and reservoir is also discussed in the paper through model analysis and case study, which proves that reservoir inundation increases firstly the sensitivity of a landslides to rainfall through reduction of its stability or cracking deformation which will increase the rainfall infiltration to the slide body, and then rainfall triggers reactivation or intensifies the reservoir-induced deformation of a landslide. 4. Based on rheologic test results of sliding zones of several reservoir-related ancient landslides, the rheologic characteristics of sliding zones have been discussed in detail and several typical rheologic models have been set up, which well explains the dynamic process of slide deformation. The response types to reservoir inundation and development tendency of reservoir -related ancient landslide are discussed in the paper based on field investigation results. And prediction methods for reservoir-related landslides have been studied based on the Mate-Synthetic principle of quantitative and qualitative analysis, as well as combination of computation and internal mechanism analysis, and a rheologic analytical method is proposed which is proved very useful for prediction of the landslide development tendency. 6. In disaster-prevention and treatment of reservoir-related landslides, risk decision-making has been proved very significant both in engineering and economics. Based on the practices in disaster-prevention and treatment of reservoir-related landslides both in China and abroad, the disaster-prevention risk decision-making for reservoir-related landslides has been proposed in terms of philosophy, methods and procedures, and well put into practice. A summary is also made through case study of the experiences of treatment of reservoir-related landslides both in China and abroad in terms of principle, methods and technical lines. 7 A detail study is made as a case study of the reactivated Maoping ancient landslide on the left bank of the Geheyan Reservoir on Qingjiang river in Hubei province, China, including its field identification features, reservoir-induced reactivation characteristics and mechanism, development tendency prediction and proposed counter measures based on risk analysis.

三峡库区滑坡的时空分布、成因及其预报模式

Landslides are widely distributed along the main stream banks of the Three Gorges Reservoir area. Especially with the acceleration of the human economic activities in the recent 30 years, the occurrence of landslide hazards in the local area trends to be more serious. Because of the special geological, topographic and climatic conditions of the Three Gorges areas, many Paleo-landslides are found along the gentle slope terrain of the population relocation sites. Under the natural condition, the Paleo-landslides usually keep stable. The Paleo-landslides might revive while they are influenced under the strong rainfall, water storage and migration engineering disturbance. Therefore, the prediction and prevention of landslide hazards have become the important problem involving with the safety of migration engineering of the Three Gorges Reservoir area.The past research on the landslides of the Three Gorges area is mainly concentrated on the stability analysis of individual landslide, and importance was little attached to the knowledge on the geological environment background of the formation of regional landslides. So, the relationship between distribution and evolution of landslides and globe dynamic processes was very scarce in the past research. With further study, it becomes difficult to explain the reasons for the magnitude and frequency of major geological hazards in terms of single endogenic or exogenic processes. It is possible to resolve the causes of major landslides in the Three Gorges area through the systematic research of regional tectonics and river evolution history.In present paper, based on the view of coupling of earth's endogenic and exogenic processes, the author researches the temporal and spacial distribution and formation evolution of major landslides(Volume^lOOX 104m3) in the Three Gorges Reservoir area through integration of first-hand sources statistics, .geological evolution history, isotope dating and numerical simulation method etc. And considering the main formation factors of landslides (topography, geology and rainfall condition), the author discusses the occurrence probability and prediction model of rainfall induced landslides.The distribution and magnitude of Paleo-landslides in the Three Gorges area is mainly controlled by lithology, geological structure, bank slope shape and geostress field etc. The major Paleo-landslides are concentrated on the periods 2.7-15.0 X 104aB.R, which conrresponds to the warm and wettest Paleoclimate stages. In the same time, the Three Gorges area experiences with the quickest crust uplift phase since 15.0X 104aB.P. It is indicated that the dynamic factor of polyphase major Paleo-landslides is the coupling processes of neotectonic movement and Quaternary climate changes. Based on the numerical simulation results of the formation evolution of Baota landslide, the quick crust uplift makes the deep river incision and the geostress relief causes the rock body of banks flexible. Under the strong rainfall condition, the pore-water pressure resulted from rain penetration and high flood level can have the shear strength of weak structural plane decrease to a great degree. Therefore, the bank slope is easy to slide at the slope bottom where shear stress concentrates. Finally, it forms the composite draught-traction type landslide of dip stratified rocks.The susceptibility idea for the rainfall induced landslide is put forward in this paper and the degree of susceptibility is graded in terms of the topography and geological conditions of landslides. Base on the integration with geological environment factors and rainfall condition, the author gives a new probabilistic prediction model for rainfall induced landslides. As an example from Chongqing City of the Three Gorges area, selecting the 5 factors of topography, lithology combination, slope shape, rock structure and hydrogeology and 21 kinds of status as prediction variables, the susceptibility zonation is carried out by information methods. The prediction criterion of landslides is established by two factors: the maximum 24 hour rainfall and the antecedent effective precipitation of 15 days. The new prediction model is possible to actualize the real-time regional landslide prediction and improve accuracy of landslide forecast.

道德强度对企业道德决策的影响及作用机制

Moral decision-making in business means the decisions involved in moral issues in business context. Moral intensity is a construct that captures the extent of issue-related moral imperative in a situation, which is one of the most important factors in the study of moral decision-making in business. Based on Issue-Contingent Model, the present study investigated the influence of moral intensity on moral decision-making in business (including moral recognition, moral judgment, and moral intent in the present study), and further focused on exploring the mechanism of moral intensity in moral decision-making in business. Recently, the studies in decision-making gave more emphasis to the role of emotions. The present study tried to include empathy into moral decision-making in business to explore the role of empathy in the relationship between moral intensity and moral decision-making in business, which would enrich and extend Issue-Contingent Model. The present study would also make up for a deficiency in the study of moral decision-making in business that overemphasized the rational reasoning and neglected the role of emotions. There were three parts in the present study. Firstly, study 1 replicated the former study and explored the relationship between perceived moral intensity and moral decision-making in business in China by questionnaire method. Secondly, study 2 focused on exploring the influence of the components of moral intensity on moral decision-making in business and empathic response by experimental method. Finally, study 3 explored the role of empathy in the relationship between moral intensity and moral decision-making in business. The results indicated that, 1.Perceived moral intensity was the significant predictor for moral decision- making in business. 2.Magnitude of consequence, social consensus, and probability of effect had significant effects on moral decision-making in business. Magnitude of consequence and probability of effect could influence empathic response significantly. 3.Empathic response played the role of mediator between moral intensity and moral decision-making in business. Empathic response completely mediated the relationship between moral intensity and moral recognition. Empathic response partly mediated the relationship between moral intensity and moral judgment, moral intent. Further analysis indicated that probability of effect and magnitude of consequence relied more on empathic response than social consensus to influence moral judgment and moral intent. Dispositional empathy could influence moral decision-making in business through perceived moral intensity and empathic response. 4.Controlled empathic levels could influence moral decision-making in business significantly. Empathic levels influenced the effect of probability of effect on moral decision-making in business, and did not influence the effect of magnitude of consequence and social consensus on moral decision-making in business. These findings not only contribute to enrich the models of moral decision- making in business, but also have significant practical applications in the training of moral decision-making in business.

How much gas can we get from grass?

Grass biomethane has been shown to be a sustainable gaseous transport biofuel, with a good energy balance, and significant potential for economic viability. Of issue for the designer is the variation in characteristics of the grass depending on location of source, time of cut and species. Further confusion arises from the biomethane potential tests (BMP) which have a tendency to give varying results. This paper has dual ambitions. One of these is to highlight the various results for biomethane potential that may be obtained from the same grass silage. The results indicated that methane potential from the same grass silage varied from 350 to 493 L CH4 kg−1 VS added for three different BMP procedures. The second ambition is to attempt to compare two distinct digestion systems again using the same grass: a two stage continuously stirred tank reactor (CSTR); and a sequentially fed leach bed reactor connected to an upflow anaerobic sludge blanket (SLBR–UASB). The two engineered systems were designed, fabricated, commissioned and operated at small pilot scale until stable optimal operating conditions were reached. The CSTR system achieved 451 L CH4 kg−1 VS added over a 50 day retention period. The SLBR–UASB achieved 341 L CH4 kg−1 VS added at a 30 day retention time.

Behavioral Model Generation from Use Cases Based on Ontology Mapping and GRASP Patterns

This paper contributes a new approach for developing UML software designs from Natural Language (NL), making use of a meta-domain oriented ontology, well established software design principles and Natural Language Processing (NLP) tools. In the approach described here, banks of grammatical rules are used to assign event flows from essential use cases. A domain specific ontology is also constructed, permitting semantic mapping between the NL input and the modeled domain. Rules based on the widely-used General Responsibility Assignment Software Principles (GRASP) are then applied to derive behavioral models.

Government decisions before and during the First World War and the living standards in Germany during a drastic natural experiment

The First World War hit Germany severely, particularly the agricultural sector, because the outbreak came unexpected and its duration exceeded all expectations. Many resources necessary for agricultural production were required by the war economy and led to shortages and shrinking supplies. Many agricultural laborers were drafted and the blockade imposed by the allies prevented Germany from a great deal of imports. As a consequence, the nutritional situation was devastating, particularly after 1916, and hit all groups of the German society. The period under observation provides one of most drastic natural experiments in the 20th century. This study uses anthropometric data from German soldiers who served in the Second World War to trace living standards between the 1900s and the 1920s. In contrast to other approaches, this paper is able to distinguish between social groups by occupation, religious denominatio\n, regional origin, and city size. The results suggest that although all social strata were hit by famine conditions, the height of farmers, urban citizens, Catholics, and especially individuals born in the highly integrated food-import regions along the coast and the banks of the Rhine declined most.

Análise da distribuição do esforço de pesca e das capturas da palmeta (Reinhardtius hippoglossoides, Walbaum 1792) capturada pela frota comercial portuguesa na área de regulamentação NAFO

Dissertação de Mestrado, Aquacultura e Pescas, Especialização em Pescas, Faculdade de Ciências do Mar e do Ambiente, Universidade do Algarve, 2008

O impacto da implementação do Basel III no capital dos bancos portugueses

Este trabalho é uma análise dos efeitos da implementação das últimas recomendações do Basel Committee on Banking Supervision (BCBS) também conhecidas como o Basel III de 2010 que deverão ser faseadamente implementadas desde 1 de Janeiro de 2013 até 1 de Janeiro de 2019, no capital próprio dos bancos Portugueses. Neste trabalho assume-se que os ativos pesados pelo risco de 2012 mantêm-se constantes e o capital terá de ser aumentado segundo as recomendações ano após ano até ao fim de 2018. Com esta análise, pretende-se entender o nível de robustez do capital próprio dos bancos Portugueses e se os mesmos têm capital e reservas suficientes para satisfazer as recomendações de capital mínimo sugeridas pelo BCBS ou caso contrário, se necessitarão de novas injeções de capital ou terão de reduzir a sua atividade económica. O Basel III ainda não foi implementado em Portugal, pois a União Europeia está no processo de desenvolvimento e implementação do Credit Requirement Directive IV (CRD IV) que é uma recomendação que todos os bancos centrais dos países da zona Euro deverão impor aos respetivos bancos. Esta diretiva da União Europeia é baseada totalmente nas recomendações do Basel III e deverá ser implementada em 2014 ou nos anos seguintes. Até agora, os bancos Portugueses seguem um sistema com base no aviso 6/2010 do Banco de Portugal que recomenda o cálculo dos rácios core tier 1, tier 1 e tier 2 usando o método notações internas (IRB) de avaliação da exposição do banco aos riscos de crédito, operacional, etc. e onde os ativos ponderados pelo risco são calculados como 12,5 vezes o valor dos requisitos totais de fundos calculados pelo banco. Este método é baseado nas recomendações do Basel II que serão substituídas pelo Basel III. Dado que um dos principais motivos para a crise económica e financeira que assolou o mundo em 2007 foi a acumulação de alavancagem excessiva e gradual erosão da qualidade da base do capital próprio dos bancos, é importante analisar a posição dos bancos Portugueses, que embora não sejam muito grandes a nível global, controlam a economia do país. Espera-se que com a implementação das recomendações do Basel III não haja no futuro uma repetição dos choques sistémicos de 2007. Os resultados deste estudo usando o método padrão recomendado pelo BCBS mostram que de catorze bancos Portugueses incluídos neste estudo, apenas seis (BES, Montepio, Finantia, BIG, Invest e BIC) conseguem enquadrar nas recomendações mínimas do Basel III até 1-1- 2019 e alguns outros estão marginalmente abaixo dos rácios mínimos (CGD, Itaú e Crédito Agrícola).