Publication: La reestructuración del sistema bancario español tras la crisis y la solvencia de las entidades financieras. Consecuencias para las cajas de ahorros
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Date
2013
Authors
Climent Serrano, Salvador
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Publisher
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DOI
https://doi.org/10.1016/j.rcsar.2013.07.003
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info:eu-repo/semantics/article
Description
Abstract
La crisis financiera que ha afectado a todo el mundo ha tenido una incidencia especial en España. Las
cajas de ahorros, que llevan más de 100 años desarrollando su gestión financiera, han desaparecido,
por lo menos tal como venían desarrollando su actividad. Esta caída ha sido motivada por las políticas
marcadas por el Banco de España, el Ministerio de Economía y el Fondo de Reestructuración Ordenada
Bancaria (FROB) para salvar el sistema financiero español. El objetivo de estos organismos, según sus
recomendaciones y la normativa emitida, era un proceso de bancarización de las cajas de ahorros y que
todas las entidades financieras ganaran en tamaño, y de esta forma se deberían poner las bases para
incrementar la solvencia y salir de la crisis financiera.
Este trabajo analiza los determinantes de la solvencia de las entidades financieras españolas en el
periodo 2006-2009, y se incluye entre ellos el tamaño y el tipo de entidad para comprobar cuáles son
las masas patrimoniales que han sido determinantes en este periodo, y de esta manera comprobar si los
objetivos del Banco de España en cuanto a bancarización y fusiones son correctos.
Los resultados muestran los principales determinantes de la solvencia, y entre ellos sí se encuentran
el tamaño y el tipo de entidad, por lo que la hoja de ruta marcada por el Banco de España en la actual
reestructuración sí es acertada, por lo menos en estos 2 aspectos
The financial crisis that has affected the entire world has had a special impact in Spain. Savings banks that are over a hundred years building its financial management, have disappeared, at least as it had been developing its activity. This fall has been driven by the policies laid down by the Bank of Spain, the Ministry of Economy and the Fondo de Reestructuración Ordenada Bancaria (FROB) to save the Spanish financial system. The aim of these bodies, as their recommendations and the standards issued, was that the savings banks to become banks and all financial institutions increase in size, so it should lay the groundwork for increased solvency and this way out of the financial crisis. In this paper we analyze the determinants of solvency of Spanish banks in the period 2006-2009 and included including the size and type of entity to check if the objectives of the Bank of Spain are correct in this respect. The results show the main determinants of solvency and among themselves that are the size and type of institution. So the roadmap laid down by the Bank of Spain and the Ministry of Economy in the current restructuring, apparently yes that is correct
The financial crisis that has affected the entire world has had a special impact in Spain. Savings banks that are over a hundred years building its financial management, have disappeared, at least as it had been developing its activity. This fall has been driven by the policies laid down by the Bank of Spain, the Ministry of Economy and the Fondo de Reestructuración Ordenada Bancaria (FROB) to save the Spanish financial system. The aim of these bodies, as their recommendations and the standards issued, was that the savings banks to become banks and all financial institutions increase in size, so it should lay the groundwork for increased solvency and this way out of the financial crisis. In this paper we analyze the determinants of solvency of Spanish banks in the period 2006-2009 and included including the size and type of entity to check if the objectives of the Bank of Spain are correct in this respect. The results show the main determinants of solvency and among themselves that are the size and type of institution. So the roadmap laid down by the Bank of Spain and the Ministry of Economy in the current restructuring, apparently yes that is correct
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