Dr. Rafael Termes i Carreró (5 December 1918 - 25 August 2005) was a Spanish banker, economist and financial author born in Sitges, Barcelona.

From 1966 to 1977, he was Delegate Advisor to the Spanish Bank Association (AEB), before serving as President from 1977 until 1990, when he decided not to run for re-election.

For three years, from 1970 to 1973, he represented Spain in the EFFAS - European Federation of Financial Analysts' Societies.

Ever a staunch defender of human liberty and of a free market as the means to attain improved social order, Rafael Termes has published, among other works: El poder creador del riesgo (1986); Del estatismo a la libertad.

Perspectiva de los países del Este (1990); Desde la banca.