{"id":32116,"date":"2026-03-25T14:39:40","date_gmt":"2026-03-25T13:39:40","guid":{"rendered":"https:\/\/pich.bnfix.com\/claves-para-sobrevivir-en-la-incertidumbre-financiera\/"},"modified":"2026-03-25T14:45:04","modified_gmt":"2026-03-25T13:45:04","slug":"claves-para-sobrevivir-en-la-incertidumbre-financiera","status":"publish","type":"post","link":"https:\/\/pich.bnfix.com\/ca\/claves-para-sobrevivir-en-la-incertidumbre-financiera\/","title":{"rendered":"Claves para sobrevivir en la incertidumbre financiera"},"content":{"rendered":"<section  class='av_textblock_section av-mn624ghw-9bc4a78ef45997f572f934cf3e7d48e4 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h1>Claus per sobreviure en la incertesa financera<\/h1>\n<\/div><\/section>\n<div  class='hr av-nselba-47024cb0c40ec48b5c144b507149d5c8 hr-default  avia-builder-el-1  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-mn6255nz-7b37e4bdf0c637a5c5f85361ab1c5123 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p class=\"MsoNormal\" style=\"margin-bottom: 7.5pt; text-align: justify; text-justify: inter-ideograph; background: white; mso-background-themecolor: background1;\"><b><span lang=\"ES-TRAD\" style=\"font-size: 16.0pt; font-family: 'Segoe UI Emoji',sans-serif; mso-bidi-font-family: 'Segoe UI Emoji'; color: #262626; mso-themecolor: text1; mso-themetint: 217; mso-style-textfill-fill-color: #262626; mso-style-textfill-fill-themecolor: text1; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-colortransforms: 'lumm=85000 lumo=15000';\">\u25b6\ufe0f<\/span><\/b><b><span lang=\"ES-TRAD\" style=\"font-size: 16.0pt; mso-bidi-font-family: 'Open Sans'; color: #78d64b;\"> V\u00eddeo-entrevista a Joan Cavall\u00e9, director general de Caixa Enginyers durant 19 anys <\/span><\/b><\/p>\n<\/div><\/section>\n<div  class='hr av-av_hr-bca31578670ae9d408d6d6d291fc57a6 hr-default  avia-builder-el-3  el_after_av_textblock  el_before_av_video '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='avia-video av-pn7fdy-fd039e7570f1ae46ca81deae0cd527b9 avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/youtu.be\/8yLvU4_F5vE'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" title=\"Conversas con expertos: Joan Cavall\u00e9. Claves para sobrevivir en la incertidumbre financiera\" width=\"1333\" height=\"1000\" src=\"https:\/\/www.youtube.com\/embed\/8yLvU4_F5vE?feature=oembed&autoplay=0&loop=0&controls=1&mute=0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-mn626va9-11494592a01bc160a38293b130ceb773 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><strong>Joan Cavall\u00e9<\/strong>, director general de <strong>Caixa d\u2019Enginyers<\/strong> durant 19 anys, fins a la seva jubilaci\u00f3 a finals de 2024, conversa amb <strong>Valent\u00ed Pich<\/strong> sobre l\u2019evoluci\u00f3 de Caixa d\u2019Enginyers des que en va assumir la direcci\u00f3 general el 2006. Al capdavant de l\u2019entitat va afrontar la llarga crisi financera que va fer desapar\u00e8ixer la major part de les caixes d\u2019estalvis. El secret de l\u2019entitat, en un m\u00f3n marcat, a nivell financer, <strong>\u201cper la incertesa radical\u201d<\/strong>, on passen coses <strong>\u201cque cap model \u00e9s capa\u00e7 de preveure\u201d<\/strong>, \u00e9s que <strong>\u201cno va n\u00e9ixer per generar determinats beneficis sin\u00f3 per donar resposta a les necessitats d\u2019uns professionals, els enginyers\u201d<\/strong>; alguns tenien estalvis i d\u2019altres necessitats financeres, i van confiar en si mateixos per fundar el 1967 la Caixa d\u2019Enginyers amb el model de banca cooperativa. <strong>\u201cLa confian\u00e7a \u00e9s clau en finances\u201d<\/strong>, afirma.<\/p>\n<div>\n<p>Al llarg de la conversa, Cavall\u00e9 explica les difer\u00e8ncies de gesti\u00f3 respecte de la banca tradicional i com l\u2019entitat ha sobreviscut en temps convulsos mantenint els seus valors m\u00e9s enll\u00e0 de modes, amb les finances com a mitj\u00e0 \u2014<strong>\u201cno poden ser un prop\u00f2sit en si mateix\u201d<\/strong>\u2014 i no com a finalitat.<\/p>\n<p>Cavall\u00e9, responsable del fort creixement de la caixa (de 121.000 socis el 2013 a 213.000 el 2023), considera que les empreses, per sobreviure, s\u2019han de formular moltes preguntes amb sentit com\u00fa: preguntar-se per qu\u00e8 passen les coses, en quines situacions de risc es poden trobar i, despr\u00e9s, buscar respostes coherents que es puguin explicar als <strong>stakeholders<\/strong>, en aquest cas els socis. Aix\u00ed es va actuar, per exemple, quan l\u2019entitat es va plantejar entrar en el sector immobiliari o en les participacions preferents, \u00e0mbits que desconeixia i considerava arriscats: sempre calia tenir present el prop\u00f2sit, l\u2019atenci\u00f3 a les persones. I no hi van entrar.<\/p>\n<p>Sobre el moment actual, Cavall\u00e9 lamenta l\u2019exc\u00e9s de regulaci\u00f3 banc\u00e0ria derivat de les crisis, aix\u00ed com la p\u00e8rdua de quota del cr\u00e8dit tradicional davant nous actors menys regulats i empreses tecnol\u00f2giques que ja disposen del seu propi bra\u00e7 financer. La p\u00e8rdua d\u2019efectivitat de la pol\u00edtica monet\u00e0ria, el major pes de les pol\u00edtiques fiscals \u2014amb m\u00e9s deute\u2014 i la p\u00e8rdua de confian\u00e7a en el d\u00f2lar s\u00f3n altres temes de la conversa, que conclou amb una reflexi\u00f3 sobre els conflictes b\u00e8l\u00b7lics actuals i <strong>el nou ordre internacional<\/strong> que se\u2019n pot derivar.<\/p>\n<\/div>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":32109,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[447],"tags":[1660,1661,1662,1376,1663,1664,1665,1666,1667,1668,1669,1414],"class_list":["post-32116","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-videos-ca","tag-analisis-del-riesgo-empresarial","tag-banca-cooperativa","tag-entorno-macroeconomico-actual","tag-finanzas-ca","tag-gestion-financiera-estrategica","tag-gobernanza-y-toma-de-decisiones","tag-joan-cavalle","tag-modelos-de-negocio-resilientes","tag-planificacion-financiera-empresarial","tag-proposito-empresarial-y-valor","tag-regulacion-del-sector-financiero","tag-sostenibilidad-corporativa-ca"],"_links":{"self":[{"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/posts\/32116","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/comments?post=32116"}],"version-history":[{"count":4,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/posts\/32116\/revisions"}],"predecessor-version":[{"id":32163,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/posts\/32116\/revisions\/32163"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/media\/32109"}],"wp:attachment":[{"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/media?parent=32116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/categories?post=32116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/tags?post=32116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}