2004/C 11 E/271P-2032/03 de Bart Staes a la Comisión Asunto: Registro central del crédito armonización europea
Issuing Organization | Comisión de las Comunidades Europeas |
(2004/C 11 E/271) PREGUNTA ESCRITA P-2032/03 de Bart Staes (Verts/ALE) a la Comisión (13 de junio de 2003) Asunto: Registro central del crédito armonización europea Desde el 1 de junio existe en Bélgica un denominado 'Registro central del crédito'. La iniciativa viene del legislador belga y su operatividad corre a cargo del Banco Nacional de Bélgica (BNB). Esta central va a registrar los datos de todos los créditos al consumo y de todos los créditos hipotecarios otorgados para fines particulares a personas físicas. Antes de que los prestadores de crédito puedan conceder un préstamo, podrán averiguar si no se ha alcanzado ya el límite razonable de posibilidades de reembolso del solicitante en el momento de la presentación de la solicitud. Si tal es el caso, podrán decidir no conceder ningún crédito suplementario. Ha de quedar claro que el legislador belga desea evitar de esa manera el sobreendeudamiento de los particulares. Los prestadores de crédito que no consulten este banco de datos antes de conceder un crédito corren el riesgo de perder los ingresos de la renta en caso de dificultad de reembolso. La medida es un ejemplo de gobernanza: en Bélgica el 5 % de la población mayor de edad afronta problemas de reembolso. En este contexto, el número de contratos de crédito aumenta más rápidamente que el número de personas registradas. Ello demuestra la necesidad de tal registro central del crédito.
Con motivo de la presentación de esta central de crédito, se observó con razón que el sistema sólo puede funcionar óptimamente si se cuenta con una cooperación transfronteriza. La lucha contra el sobreendeudamiento se ha de llevar cada vez más en un contexto europeo. En el marco del mercado único europeo, parece conveniente crear una red europea de sistemas nacionales de registro que colaboren estrechamente. Además, es imprescindible un paquete común de un reducido número de normas y...
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