{"id":7738,"date":"2023-02-11T10:14:13","date_gmt":"2023-02-11T10:14:13","guid":{"rendered":"https:\/\/www.flobers.com\/?post_type=flobers-faqs&p=7738"},"modified":"2023-03-29T18:08:36","modified_gmt":"2023-03-29T18:08:36","slug":"que-diferencia-hay-entre-inversor-experimentado-y-no-experimentado","status":"publish","type":"flobers-faqs","link":"https:\/\/www.flobers.com\/de?post_type=flobers-faqs&p=7738","title":{"rendered":"\u00bfQu\u00e9 diferencia hay entre Inversor Experimentado y No Experimentado?"},"content":{"rendered":"

El <\/span>Reglamento<\/span> (<\/span>UE<\/span>)<\/span> 2020\/1503 DEL PARLAMENTO EUROPEO Y DEL CONSEJO de 7 de <\/span>octubre<\/span> de 2020 <\/span>relativo<\/span> a <\/span>los<\/span> proveedores<\/span> europeos<\/span> de <\/span>servicios<\/span> de <\/span>financiaci\u00f3n<\/span> participativa<\/span> para <\/span>empresas<\/span>, y <\/span>por<\/span> el<\/span> que se <\/span>modifican<\/span> el<\/span> Reglamento<\/span> (UE) 2017\/1129 y la <\/span>Directiva<\/span> (UE) 2019\/1937 <\/span>estable<\/span>ce<\/span> dos <\/span>categor\u00edas<\/span> de <\/span>inversores<\/span>:<\/span>\u00a0<\/span><\/p>\n

Inversores Experimentados:\u00a0<\/strong><\/p>\n

1) Personas <\/span>jur\u00eddicas<\/span> que <\/span>cumplan<\/span> al <\/span>menos<\/span> uno de <\/span>los<\/span> siguientes<\/span> criterios<\/span>:\u00a0<\/span>\u00a0<\/span><\/p>\n

    \n
  1. a) <\/span>recursos<\/span> propios<\/span> de al <\/span>menos<\/span> 100 000 EUR;\u00a0<\/span><\/li>\n
  2. b) <\/span>volumen<\/span> de <\/span>negocios<\/span> neto<\/span> de al <\/span>menos<\/span> 2 000 000 EUR; c) balance de al <\/span>menos<\/span> 1 000 000 EUR.\u00a0<\/span><\/li>\n<\/ol>\n

    2) Personas <\/span>f\u00edsicas<\/span> que <\/span>cumplan<\/span> al <\/span>menos<\/span> dos de <\/span>los<\/span> siguientes<\/span> criterios<\/span>:\u00a0<\/span>\u00a0<\/span><\/p>\n

      \n
    1. a) <\/span>ingresos<\/span> brutos<\/span> personales<\/span> de al <\/span>menos<\/span> 60 000 EUR <\/span>por<\/span> ejercicio<\/span> fiscal, o <\/span>una<\/span> cartera<\/span> de <\/span>instrumentos<\/span> financieros<\/span>, <\/span>definida<\/span> como<\/span> la <\/span>inclusi\u00f3n<\/span> de <\/span>dep\u00f3sitos<\/span> de <\/span>efectivo<\/span> y <\/span>activos<\/span> financieros<\/span>, superior a 100 000 EUR;\u00a0<\/span><\/li>\n
    2. b) <\/span>el<\/span> inversor<\/span> trabaja<\/span> o ha <\/span>trabajado<\/span> en<\/span> el<\/span> sector <\/span>financiero<\/span> al <\/span>menos<\/span> durante<\/span> un <\/span>a\u00f1o<\/span> en<\/span> un <\/span>puesto<\/span> profesional<\/span> que <\/span>requiera<\/span> tener<\/span> conocimiento<\/span> de las <\/span>operaciones<\/span> o <\/span>servicios<\/span> previstos<\/span>, o ha <\/span>ocupado<\/span> un <\/span>puesto<\/span> ejecutivo<\/span> durante<\/span> al <\/span>menos<\/span> 12 meses <\/span>en<\/span> una<\/span> persona <\/span>jur\u00eddica<\/span> de las <\/span>determinadas<\/span> en<\/span> el<\/span> punto 1;\u00a0<\/span><\/li>\n
    3. c) <\/span>el<\/span> inversor<\/span> ha <\/span>realizado<\/span> operaciones<\/span> de <\/span>volumen<\/span> significativo<\/span> en<\/span> los<\/span> mercados de <\/span>capitales<\/span> con <\/span>una<\/span> frecuencia<\/span> media de 10 <\/span>por<\/span> trimestre<\/span> durante<\/span> los<\/span> cuatro <\/span>trimestres<\/span> anteriores<\/span>.\u00a0<\/span><\/li>\n<\/ol>\n

      Inversores No Experimentados:<\/strong><\/p>\n

      Todo inversor que no tenga la condici\u00f3n de in<\/span>versor experimentado. <\/span>Flobers<\/span> realizar\u00e1 una evaluaci\u00f3n de la capacidad financiera y conocimientos de todos estos inversores de conformidad con lo establecido en la normativa aplicable y con objeto de dotar a este tipo de inversores de la m\u00e1xima protecci\u00f3n posib<\/span>le en sus inversiones.<\/span>\u00a0<\/span><\/p>\n

       <\/p>\n

      La <\/span>solicitud<\/span> de <\/span>tratamiento<\/span> como<\/span> inversor<\/span> experimentado<\/span> puede<\/span> realizarse<\/span> dentro de nuestra plataforma una vez completado el registro. Se localiza en DATOS DE USUARIO > Solicitud Inversor Experimentado.<\/a><\/p>\n

      Una <\/span>vez<\/span> confirmada<\/span> al <\/span>inversor<\/span> la <\/span>calificaci\u00f3n<\/span> como<\/span> inversor<\/span> experimentado<\/span>, <\/span>dicha<\/span> aprobaci\u00f3n<\/span> tendr\u00e1<\/span> una<\/span> validez<\/span> de dos<\/span> a\u00f1os<\/span>. Los <\/span>inversores<\/span> que <\/span>deseen<\/span> mantener<\/span> su<\/span> categor\u00eda<\/span> de <\/span>inversor<\/span> experimentado<\/span> tras<\/span> la <\/span>expiraci\u00f3n<\/span> del <\/span>per\u00edodo<\/span> de <\/span>validez<\/span> deber\u00e1n<\/span> presentar<\/span> una<\/span> nueva<\/span> solicitud<\/span>.<\/span>\u00a0<\/span><\/p>\n

      Corresponde<\/span> a <\/span>los<\/span> inversores<\/span> experimentados<\/span> informar<\/span> a <\/span>Flobers<\/span> de <\/span>cualquier<\/span> cambio<\/span> que <\/span>pudiera<\/span> modificar<\/span> su<\/span> clasificaci\u00f3n<\/span>. En <\/span>el<\/span> supuesto<\/span> en<\/span> que <\/span>Flobers<\/span> tuviera<\/span> conocimient<\/span>o<\/span> de que un <\/span>inversor<\/span> ya<\/span> no <\/span>cumple<\/span> las <\/span>condiciones<\/span> iniciales<\/span> que <\/span>permitieron<\/span> a<\/span> este<\/span> recibir<\/span> tratamiento<\/span> de <\/span>inversor<\/span> experimentado<\/span>, <\/span>Flobers<\/span> informar\u00e1<\/span> al <\/span>inversor<\/span> de que se le <\/span>tratar\u00e1<\/span> como<\/span> inversor<\/span> no <\/span>experimentado<\/span>.<\/span>\u00a0<\/span><\/p>\n

      Como <\/span>excepci\u00f3n<\/span> al <\/span>procedimiento<\/span> anterior,\u00a0<\/span> las<\/span> entidades<\/span> mencionadas<\/span> en<\/span> el<\/span> anexo<\/span> II, <\/span>secci\u00f3n<\/span> I, <\/span>apartados<\/span> 1 a 4, de la <\/span>Directiva<\/span> 2014\/65\/UE <\/span>ser\u00e1n<\/span> consideradas<\/span> inversores<\/span> experimentados<\/span> si<\/span> demuestran<\/span> su<\/span> condici\u00f3n<\/span> de <\/span>profesionales<\/span> a<\/span> Flobers<\/span>.<\/span>\u00a0<\/span><\/p>\n

       <\/p>\n","protected":false},"template":"","faqs-categories":[70],"acf":[],"_links":{"self":[{"href":"https:\/\/www.flobers.com\/de\/wp-json\/wp\/v2\/flobers-faqs\/7738","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.flobers.com\/de\/wp-json\/wp\/v2\/flobers-faqs"}],"about":[{"href":"https:\/\/www.flobers.com\/de\/wp-json\/wp\/v2\/types\/flobers-faqs"}],"wp:attachment":[{"href":"https:\/\/www.flobers.com\/de\/wp-json\/wp\/v2\/media?parent=7738"}],"wp:term":[{"taxonomy":"flrs-faqs-categories","embeddable":true,"href":"https:\/\/www.flobers.com\/de\/wp-json\/wp\/v2\/faqs-categories?post=7738"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}