855 resultados para Subprime mortgage crisis


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[spa] Como expresión de la naturaleza erga omnes de las obligaciones jurídicas relativas a la protección de derechos humanos, muchos tratados de derechos humanos que establecen órganos de expertos permiten a los Estados Parte presentar quejas ante dichos órganos contra otras Partes que no observan las obligaciones convencionales. Tales quejas interestatales son un mecanismo híbrido que busca controlar la aplicación del tratado, solucionar las controversias entre Estados Parte y/o prevenir esas controversias. En la práctica, no obstante, las quejas interestatales se interponen en raras ocasiones, principalmente por causa de su alto componente político, que hace que sean vistas como un acto inamistoso. Pese a este escaso uso, llama la atención que la mayoría de quejas interestatales presentadas hasta la fecha se hayan referido a situaciones excepcionales calificables de"crisis", lo que parece poner de manifiesto que este mecanismo podría ser particularmente útil para hacer frente a las violaciones de derechos humanos cometidas en períodos de excepcionalidad.

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Whether it’s tornadoes, flooding, winter storms or an act of terrorism, emergencies can occur quickly and without warning. Although we cannot prevent emergencies, we can prepare for them. Teachers and administrators need to take special care as they are responsible for the students in their care. Putting together and having on hand a crisis kit can be invaluable in times of emergency.

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Directors: Jordi Delclós Clanchet, Mònica Ubalde López, Eva Calvo Bonacho

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“The liquidity crisis of the Spanish banks is largely due to the lack of confidence of foreign investors and, therefore, the changes that occur in the legislation should not affect the credibility, stability, legal certainty, predictability that markets expect”.Sergio Nasarre (2011)In the current situation of economic crisis, many people have found they can no longer pay back the mortgage loans that were granted to them in order to purchase a dwelling. It is for this reason that, in light of the economic, political and social problems this poses, our paper studies the state of the Spanish real-estate system and of foreclosure, paying special attention to the solution that has been proposed recently as the best option for debtors that cannot make their mort-gage payments: non-recourse mortgaging. We analyze this proposal from legal and economic perspectives in order to fully understand the effects that this change could imply. At the same time, this paper will also examine several alternatives we believe would ameliorate the situation of mortgage-holders, among them legal reforms, mortgage insurance, and non-recourse mortgaging itself.

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L’objectiu del present treball es l’estudi del procediment d’execució hipotecaria. Arrel de la quantitat de desnonaments produït com a conseqüència de la crisi econòmica en que España es troba immersa, a la repercussió mediàtica d’aquests, a la pressió social i a alguns pronunciaments jurisprudencials a favor de la figura de la dació en pagament, s’ha fet necessària una modificació legislativa d’aquest procediment, regulat a la LEC. Aquest treball tractarà sobre la hipoteca en termes generals, el procediment d’execució hipotecaria que existia fa poc més d’un any i totes les modificacions que s’han dut a terme en l’actualitat amb el propòsit de millorar la situació dels deutors hipotecaris. Finalment, es tractarà sobre la figura de la dació en pagament, les seves característiques i alguns pronunciaments sobre aquesta figura.

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In a democratic society, the media are central to the communication of risks and uncertainties to the public. This article presents 10 proposals for improving media coverage in social risk situations. The article focuses on the production logic of the media and its consequences for society. The proposals and the conclusions of this research are supported by an analysis of three Spanish cases: the risk implied by the Tarragona chemical complex (one of the biggest in Europe); the terrorist attacks on 11 March 2004 in Madrid; and the Carmel tunnel disaster in Barcelona on January 2005. The authors are participating in a research project on public perception of risk funded by the Spanish Education Ministry on public perception of risk (2004–2007 and 2007–2010).

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Postprint (published version)

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Este artículo pretende estudiar la relación entre periodistas y políticos en situacionescríticas. Los autores han analizado la información emitida por las cadenas de televisión:Televisión Española, Antena 3 y Tele 5 en los días 11, 12 y 13 de marzo de 2004, coincidiendocon el atentado de Madrid. De esta investigación, se concluye que los periodistasactuaron con poca capacidad crítica, en connivencia con los políticos, en la propagaciónde determinadas tesis poco o nada argumentadas y de ciertos tópicos y expresionesgratuitas.

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El factor clau per a la creació de la primera bombolla immobiliària va ser l"existència d"una gran liquiditat a nivell mundial entre el 2001 i el 2005. En alguns països, aquest període es va allargar fins a l"agost del 2007. La liquiditat va ser generada per uns tipus d"interès històricament molt reduïts i per unes condicions de finançament pràcticament immillorables. Entre el 2006 i el 2008 les diverses bombolles immobiliàries van explotar. L"esclat va ser conseqüència de la combinació de dos aspectes: un sobtat canvi en les condicions de finançament hipotecari per l"extensió a nivell mundial de les crisis de les hipoteques subprime dels Estats Units, i un gran excés d"oferta d"habitatges en alguns països.

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Viure és una cosa més aviat hostil, un eludir constantment dificultats i de tant en tant, alguna satisfacció vital.

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Nota on es vol fer constar la cancel·lació del “Programa de Cooperación Interuniversitaria” conegut per l'acrònim “PCI” de l' “Agencia Española de Cooperación Internacional para el Desarrollo” (AECID), un dels programes més exitosos y de més llarga tradició de la cooperació espanyola

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Interior crises are understood as discontinuous changes of the size of a chaotic attractor that occur when an unstable periodic orbit collides with the chaotic attractor. We present here numerical evidence and theoretical reasoning which prove the existence of a chaos-chaos transition in which the change of the attractor size is sudden but continuous. This occurs in the Hindmarsh¿Rose model of a neuron, at the transition point between the bursting and spiking dynamics, which are two different dynamic behaviors that this system is able to present. Moreover, besides the change in attractor size, other significant properties of the system undergoing the transitions do change in a relevant qualitative way. The mechanism for such transition is understood in terms of a simple one-dimensional map whose dynamics undergoes a crossover between two different universal behaviors

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The global economic and financial crisis is a challenge for all governments, but particularly for federal states because divided and/or shared territorial powers make federations susceptible to coordination problems in fiscal policy making. This article explores the effects of the ongoing crisis on federal relations. Three kinds of problems that may become the cause of federal tensions and conflicts are evoked: opportunism of subgovernments, centralisation and erosion of solidarity among members of the federation. Our analysis of fiscal policies and federal conflicts of 11 federations between 2007 and the present reveals three kinds of coordination problems: shirking in the use of federal government grants, rent-seeking in equalisation payments, and over-borrowing and over-spending. Our results show that shirking remained limited to few cases and occurred only in the first part of the crisis. However, rent-seeking and over-borrowing and over-spending led to a reduction of solidarity among subgovernments and to increased regulation of the fiscal discretion of the members of the federation. Subsequently, tensions in federal relations increased - although only in one case did this challenged the federal order.

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Religion is alive and well all over the world, especially in times of personal, political, and social crisis. Even in Europe, long regarded the most "secular" continent, religion has taken centre stage in how people respond to the crises associated with modernity, or how they interact with the nation-state. In this book, scholars working in and on Europe offer fresh perspectives on how religion provides answers to existential crisis, how crisis increases the salience of religious identities and cultural polarization, and how religion is contributing to changes in the modern world in Europe and beyond. Cases from Poland to Pakistan and from Ireland to Zimbabwe, among others, demonstrate the complexity and ambivalence of religion's role in the contemporary world.