スペインの銀行改革では、地方政府の役割は、銀行(信用金庫)再編や銀行(信用金庫)清算で、単なる傍観者にすぎなくなる
La reforma contempla la participación de autonomías como convidados de piedra
Las comunidades deben presentar informes al FROB, aunque no sean vinculantes
Amanda Mars Madrid 30 AGO 2012 - 00:00 CET
The reform envisages the participation of autonomy as bystanders
Communities must submit reports to the FROB, although not binding
Amanda Mars Madrid 30 AGO 2012 - 00:00 CET
The role of regional governments is reduced to that of a mere stone guest in the future plans of restructuring or liquidation of financial institutions. The autonomous communities have the responsibility for savings and credit cooperatives and regional policy is attributed to market a significant portion of the Spanish financial fiasco: many of the mergers between entities decided to political criteria, rather than economic efficiency, and the desire not to lose power quotas, which prevailed intraterritoriales partnerships. Today, not only the number of cases has increased from 45 to nine, but also have transferred all their financial business at banks, except two small entities remain impassive to romp Spanish financial map: boxes Ontinyent (Valencia) and Pollença (Mallorca).
The draft decree law that the government has submitted to Brussels with the intention of passing on Friday states that the restructuring plans of the troubled banks will be subject to the approval of the Fund for Orderly Bank Restructuring (FROB), in which the Government has a majority, and the Bank of Spain. But, in advance, the supervisor "requested report to the competent bodies of the Autonomous Communities that have their registered savings banks and, where appropriate, credit unions involved."
The Executive may intervene urgently entities despite not requiring public assistance
These reports must be submitted within 10 days, but the decree does not mention in any way that this report is binding communities. In fact, he adds that the plan's approval by the Bank of Spain's plan to determine that transactions through which such restructuring vehicule "require no further administrative authority in the field of regulation of credit institutions".
With the new financial reform, the executive may also intervene urgently institutions despite meeting the criteria of solvency claimed and do not require public support. The draft decree states that you can specify "objective indicators" by regulation to decide this "early intervention".
For groups whose fate is no longer other than liquidation, the FROB will prepare the plan of entity resolution within two months, the Bank of Spain may extend to six-since this rescue fund has administration or been appointed to communicate the opening of the resolution process. Also this case is asked to report to the regional bodies, although not collect any mention of the value or power can be more than purely consultative.
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