Combining customer and bank-owned accounts is unethical and may be illegal. It can lead to confusion and unfair distribution of profits and losses. Mixing should not be confused with combining assets in a common trust. Financial entities impose strict fines or penalties for mixing.
In the financial circles, the combination is the practice of mixing values of customer accounts with values of accounts that are owned by the bank, real estate agent or correspondent. The mixing process makes it difficult to determine which assets are the client’s property and which values belong to the entity that administers the client’s assets. In most areas of the financial world, the combination is considered unethical and a violation of confidence. Depending on the jurisdicción, the práctica también puede ser ilegal.
The practice of mixing must not be confused with the practice of placing customer values in a common credit account. The combination of the assets of two or more clients in a common trust is a strategy that a menu is implemented to maximize the yield of the reversals made in the name of the clients involved. Within this scenario, there are no doubts about the cantidad of actives brought in by each client, because the process of assigning wages or losses is very simple.
On the contrary, the unethical mix at the menu can smoke the lines between the service provider and the customer up to the point where it is impossible to determine how much profit or loss should be assigned to each party. In the worst example of the mix, the administrative entity will divide all the losses among the customers who participate in the combined account, but will not necessarily award an equitable portion of the wages obtained to the customers. In situations where the courts intervene in situations of this nature, it is common that the authorities determine that which benefit will be obtained will be assigned to the clients.
Muchas entidades financieras imposen fines estrictas o peor si se descubre evidencia de mezcla. For example, an agent of wealth roots can lose his operating license if he determines that he or she has participated in a mixed activity. Trading partners may be prohibited on certain markets, and banks may also open sanctions. In general, the combination is a practice that any amount of credit reversal you choose to avoid.
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