{"id":17392,"date":"2026-04-10T12:21:00","date_gmt":"2026-04-10T10:21:00","guid":{"rendered":"https:\/\/www.ccoocaixabank.net\/ca\/?p=17392"},"modified":"2026-04-10T12:21:00","modified_gmt":"2026-04-10T10:21:00","slug":"p12753","status":"publish","type":"post","link":"https:\/\/www.ccoocaixabank.net\/ca\/ccoo\/p12753\/","title":{"rendered":"Despr\u00e9s de la sanci\u00f3, ara formaci\u00f3: quan el problema no era de coneixement"},"content":{"rendered":"\n<div class=\"wp-block-group has-custom-azul-cxb-background-color has-background is-layout-flow wp-container-core-group-is-layout-768176b3 wp-block-group-is-layout-flow\" style=\"border-style:none;border-width:0px;margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n<p class=\"has-text-align-center has-base-color has-text-color has-link-color has-large-font-size wp-elements-b45688058a36062f71cb42a432f5c0e8\"><em><em><strong>La recent sanci\u00f3 coneguda p\u00fablicament torna a posar el focus sobre com s&#8217;han realitzat determinades pr\u00e0ctiques en la comercialitzaci\u00f3 de finan\u00e7ament<\/strong><\/em><\/em><\/p>\n<\/div>\n\n\n\n<p> Despr\u00e9s de la sanci\u00f3, l&#8217;entitat ha activat formaci\u00f3 interna sota el paraigua del \u201cpr\u00e9stec responsable\u201d.<\/p>\n\n\n\n<p> Des de CCOO considerem necessari fer una reflexi\u00f3 serena per\u00f2 tamb\u00e9 clara.<\/p>\n\n\n\n<p> Perqu\u00e8 el contingut d&#8217;aquesta formaci\u00f3 no descobreix res de nou per a la plantilla.<\/p>\n\n\n\n<p><strong>La formaci\u00f3 recorda principis que la plantilla ja coneix<\/strong>: avaluar solv\u00e8ncia, evitar el sobreendeutament, informar amb transpar\u00e8ncia o no vincular productes.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-70d3dfd8 wp-block-group-is-layout-constrained\" style=\"border-color:#009ad8;border-width:3px;border-top-left-radius:18px;border-top-right-radius:18px;border-bottom-left-radius:18px;border-bottom-right-radius:18px;margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<p class=\"has-text-align-center has-large-font-size\"><strong><em>\u00c9s a dir, el que sempre s&#8217;ha sabut que s&#8217;havia de fer<\/em><\/strong><\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\" style=\"margin-top:var(--wp--preset--spacing--30)\"> <strong>La q\u00fcesti\u00f3 no \u00e9s fer m\u00e9s formaci\u00f3 ara, sin\u00f3 qu\u00e8 s&#8217;ha exigit abans<\/strong><\/h2>\n\n\n\n<p> Si aquests principis estaven definits, documentats i regulats\u2026la pregunta \u00e9s evident:<\/p>\n\n\n\n<p> <strong>Per qu\u00e8 no s&#8217;han garantit a la pr\u00e0ctica?<\/strong><\/p>\n\n\n\n<p>La resposta no pot recaure, ni directament ni indirectament, sobre qui est\u00e0 a la xarxa comercial.<\/p>\n\n\n\n<p> Perqu\u00e8 el mateix model organitzatiu estableix: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"> Pol\u00edtiques de risc <\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"> Sistemes de control <\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"> Eines d&#8217;an\u00e0lisi <\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"> I, especialment, <strong>esquemes de retribuci\u00f3 i incentius<\/strong><\/li>\n<\/ul>\n\n\n\n<p><strong>Tot aix\u00f2 forma part de decisions estructurals de l&#8217;entitat<\/strong>, on es defineix com es treballa realment.<\/p>\n\n\n\n<p> El problema apareix quan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> <strong>S&#8217;eleven objectius de forma constant<\/strong><\/li>\n\n\n\n<li> <strong>Es prioritzen m\u00e8triques comercials<\/strong> <\/li>\n\n\n\n<li style=\"margin-top:0;margin-bottom:0\"> <strong>I es tensiona l&#8217;activitat di\u00e0ria<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Perqu\u00e8 aix\u00f2 genera entorns on <strong>el que \u00e9s correcte i el que s&#8217;exigeix no sempre coincideixen<\/strong> .<\/p>\n\n\n\n<p> <strong>I aqu\u00ed \u00e9s on cal posar el focus i les solucions.<\/strong> <\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-70d3dfd8 wp-block-group-is-layout-constrained\" style=\"border-color:#009ad8;border-width:3px;border-top-left-radius:18px;border-top-right-radius:18px;border-bottom-left-radius:18px;border-bottom-right-radius:18px;margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<p class=\"has-text-align-center has-large-font-size\"><strong><em>Formar est\u00e0 b\u00e9. Assumir responsabilitats, millor<\/em><\/strong><\/p>\n<\/div>\n\n\n\n<p> <strong>Des de CCOO ho tenim clar:<\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"> <strong>Defensarem la professionalitat de la plantilla<\/strong> <\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"> <strong>Rebutgem qualsevol intent de traslladar responsabilitats cap avall<\/strong> <\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"> <strong>I exigim que s&#8217;abordin les causes reals<\/strong> <\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-border-color has-primary-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-70d3dfd8 wp-block-group-is-layout-constrained\" style=\"border-width:5px;margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<p class=\"has-text-align-center has-large-font-size\"><strong><em>No \u00e9s un problema de coneixement. \u00c9s un problema de condicions<\/em><\/strong><\/p>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"120\" src=\"https:\/\/www.ccoocaixabank.net\/ca\/wp-content\/uploads\/sites\/3\/2025\/10\/EL-PODER-CATALAN.jpg\" alt=\"\" class=\"wp-image-7473\" srcset=\"https:\/\/www.ccoocaixabank.net\/ca\/wp-content\/uploads\/sites\/3\/2025\/10\/EL-PODER-CATALAN.jpg 1280w, https:\/\/www.ccoocaixabank.net\/ca\/wp-content\/uploads\/sites\/3\/2025\/10\/EL-PODER-CATALAN-512x48.jpg 512w, https:\/\/www.ccoocaixabank.net\/ca\/wp-content\/uploads\/sites\/3\/2025\/10\/EL-PODER-CATALAN-768x72.jpg 768w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>La recent sanci\u00f3 coneguda p\u00fablicament torna a posar el focus sobre com s&#8217;han realitzat determinades pr\u00e0ctiques en la comercialitzaci\u00f3 de finan\u00e7ament. Despr\u00e9s de la sanci\u00f3, l&#8217;entitat ha activat formaci\u00f3 interna sota el paraigua del \u201cpr\u00e9stec responsable\u201d. Des de CCOO considerem necessari fer una reflexi\u00f3 serena per\u00f2 tamb\u00e9 clara. Perqu\u00e8 el contingut d&#8217;aquesta formaci\u00f3 no descobreix res de nou per a la plantilla. La formaci\u00f3 recorda principis que la plantilla ja coneix: avaluar solv\u00e8ncia, evitar sobreendeutament, informar amb transpar\u00e8ncia o no vincular productes. \u00c9s a dir, all\u00f2 que sempre s&#8217;ha sabut que calia fer. La q\u00fcesti\u00f3 no \u00e9s fer m\u00e9s [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":17394,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"wp-custom-template-noticia-con-encabezado-el-momento-es-ahora-y-pie-el-poder-de-cambiar-las-cosas","format":"standard","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","editor_notices":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-17392","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ccoo"],"author_meta":{"display_name":"Juan Morais","author_link":"https:\/\/www.ccoocaixabank.net\/ca\/author\/juanmorais\/"},"featured_img":"https:\/\/www.ccoocaixabank.net\/ca\/wp-content\/uploads\/sites\/3\/2026\/04\/sncion-i-formacion-512x384.jpg","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/www.ccoocaixabank.net\/ca\/categoria\/ccoo\/\" class=\"advgb-post-tax-term\">CCOO<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">CCOO<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 11 hores ago","modified":"Updated 11 hores ago"},"absolute_dates":{"created":"Posted on 10 d'abril de 2026","modified":"Updated on 10 d'abril de 2026"},"absolute_dates_time":{"created":"Posted on 10 d'abril de 2026 12:21","modified":"Updated on 10 d'abril de 2026 12:21"},"featured_img_caption":"","series_order":"","_links":{"self":[{"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/posts\/17392","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/comments?post=17392"}],"version-history":[{"count":2,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/posts\/17392\/revisions"}],"predecessor-version":[{"id":17396,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/posts\/17392\/revisions\/17396"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/media\/17394"}],"wp:attachment":[{"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/media?parent=17392"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/categories?post=17392"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/tags?post=17392"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}