When they read it in 2021 close friends of mine found that I have named chapter 3 of this book in a too strong and gloomy way: On the next coming financial crisis. Unfortunately, we have seen in March 2023 that crises in the US and European banking sectors have covered again front pages of every economic newspaper and online network. And this is worst, they happened unexpectedly. To control financial and banking criseswe need reforms coming from an intelectual revolution, in the words of Mervyn King, Governor of the Bank of England during the Great Financial crisis of 2007. And in a new section 3.5. Some ideas on different approaches to controlling financial crises I defend that this change begins inside the banks themselves.

El presente manual explora la tradición de la economía civil en el pensamiento económico. Al obtener un consenso cada vez mayor en todo el mundo, esta visión alternativa, no heterodoxa, del proceso económico y los agentes, explica cómo la economía moderna está poniendo cada vez más énfasis en los determinantes del bienestar subjetivo y la sostenibilidad del medio ambiente.

Esta obra ha sido concebida por sus autoras, profesoras de Deusto Business School (DBS), como un texto básico de diseño organizativo. Su objetivo es proveer los conocimientos y habilidades necesarias para llevar a cabo el diseño de todo tipo de organizaciones.

A well-functioning and efficient financial system (a network of institutions, instruments, and markets whose aim is to channel savings from savers to economic agents with investment opportunities) is required for the development of a healthy and complex economy.