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Sigilo bancário nas relações das instituições bancárias com os seus clientes na era digital
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O presente trabalho explora o sigilo bancário no âmbito das relações jurídicas e estratégicas estabelecidas entre as instituições bancárias e os seus clientes, com especial enfoque em Portugal e Angola. O estudo pretende abordar a evolução histórica do sigilo bancário, desde a sua origem até à sua consagração jurídica, identificando as principais normas que lhe deram forma ao longo do tempo. Serão ainda analisados os fundamentos teóricos e valores que sustentam o sigilo bancário, bem como a caracterização das regras e procedimentos que regulam o levantamento desse sigilo, sendo estas estabelecidas no Decreto-Lei nº 298/92, de 31 de dezembro, que aprova o Regime Geral das Instituições de Crédito e Sociedades Financeiras (RGICSF), entre outras legislações relevantes. No que respeita ao Direito Angolano, o sigilo bancário encontra-se protegido constitucionalmente, conforme disposto no artigo 32.º da Constituição da República de Angola (CRA), o que lhe confere um peso significativo nas relações entre instituições bancárias e clientes. Este estudo aborda ainda as condições em que pode ocorrer o levantamento do sigilo bancário, comparando as abordagens legais de Portugal e Angola e as particularidades do setor bancário em cada país, especialmente no contexto da era digital. Adicionalmente, serão apresentados casos práticos que ilustram a quebra do sigilo bancário, juntamente com a análise de jurisprudência relevante, permitindo uma comparação das respostas jurídicas aplicadas em Portugal e Angola. O objetivo deste trabalho é oferecer uma compreensão aprofundada sobre o sigilo bancário, sendo especialmente relevante para profissionais do setor bancário, gestores, académicos e para o público em geral que deseje compreender a importância deste tema nas relações financeiras modernas.
This dissertation explores banking secrecy in the legal and strategic relationships established between banking institutions and their clients, with a particular focus on Portugal and Angola. The study addresses the historical evolution of banking secrecy, from its origins to its legal recognition, identifying the key norms that have shaped it over time. It also examines the theoretical foundations and values that underpin banking secrecy, as well as the rules and procedures governing its lifting, as established in Decree-Law No. 298/92 of 31 December, which approves the General Regime of Credit Institutions and Financial Companies (RGICSF), along with other relevant legislation. Regarding Angolan law, banking secrecy is constitutionally protected, as outlined in Article 32 of the Constitution of the Republic of Angola (CRA), granting it significant weight in the relationships between banking institutions and clients. This study further addresses the conditions under which banking secrecy may be lifted, comparing the legal approaches of Portugal and Angola, and the particularities of the banking sector in each country, especially in the context of the digital age. Additionally, practical cases illustrating the breach of banking secrecy will be presented, along with an analysis of relevant jurisprudence, allowing for a comparison of the legal responses applied in Portugal and Angola. The objective of this work is to provide an in-depth understanding of banking secrecy, making it particularly relevant for banking professionals, managers, academics, and the public interested in understanding the importance of this topic in modern financial relations.
This dissertation explores banking secrecy in the legal and strategic relationships established between banking institutions and their clients, with a particular focus on Portugal and Angola. The study addresses the historical evolution of banking secrecy, from its origins to its legal recognition, identifying the key norms that have shaped it over time. It also examines the theoretical foundations and values that underpin banking secrecy, as well as the rules and procedures governing its lifting, as established in Decree-Law No. 298/92 of 31 December, which approves the General Regime of Credit Institutions and Financial Companies (RGICSF), along with other relevant legislation. Regarding Angolan law, banking secrecy is constitutionally protected, as outlined in Article 32 of the Constitution of the Republic of Angola (CRA), granting it significant weight in the relationships between banking institutions and clients. This study further addresses the conditions under which banking secrecy may be lifted, comparing the legal approaches of Portugal and Angola, and the particularities of the banking sector in each country, especially in the context of the digital age. Additionally, practical cases illustrating the breach of banking secrecy will be presented, along with an analysis of relevant jurisprudence, allowing for a comparison of the legal responses applied in Portugal and Angola. The objective of this work is to provide an in-depth understanding of banking secrecy, making it particularly relevant for banking professionals, managers, academics, and the public interested in understanding the importance of this topic in modern financial relations.
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Keywords
Sigilo bancário Relações jurídicas Fidúcia Confidencialidade Levantamento de sigilo Era digital Banking secrecy Legal relationships Fiduciary duty Confidentiality Lifting of secrecy Digital