スペインの閣僚理事会は、信用金庫、財団の改正法を承認
REFORMA FINANCIERA
El Consejo de Ministros aprobará este viernes la ley de cajas y fundaciones
El Gobierno ya dio el visto bueno al anteproyecto de ley de cajas y fundaciones bancarias por el que estas entidades pasarán a ocuparse de clientes minoristas y pymes
EFE Madrid 6 JUN 2013 - 20:19 CET
FINANCIAL REFORM
The Council of Ministers approved on Friday the boxes and foundations law
The government has already given its approval to the draft law of boxes and banking foundations by which these entities will to deal with retail customers and SMEs
EFE Madrid 6 JUN 2013 - 20:19 CET
The Cabinet expected to approve the bill Friday and banking foundations boxes after receiving the report of the Council of State on this standard, which returns to these institutions to their original business model. On May 3, the Council of Ministers has already given its approval to the draft law of boxes and banking foundations by which these entities will to deal with retail customers and SMEs, and this, on a territorial scope which may not exceed one autonomous region or ten neighboring provinces.
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This new standard will only affect two savings banks, Pollensa and Ontinyent, and the rest, who moved their business to a bank, banking foundations should become. The rule also states that the boxes remain as such may not be an asset of over 10,000 million or a share of deposits above 35% of the community in which they operate, while it increasing the professionalism of its governing bodies.
According to the standard, incompatibility strengthens the part of government bodies with executive positions in political parties, business and labor organizations. On the other hand, the standard adopted tomorrow the Cabinet wants to reduce the role that banking foundations are in the capital of financial institutions and for this, impose stricter obligations higher this presence.
Strict control of the Bank of Spain
All foundations are subject to stringent corporate governance requirements, such as preventing the board members are themselves the board of the entity. Also be subject to strict control of the Bank of Spain in terms of financial supervision, but will be the Ministry of Economy who has this function in the event that the Foundation operates outside its community.
According to the standard that will approve tomorrow, foundations that have a share of over 30% in a financial institution must submit to the governing body Luis Maria Linde for approval, a management protocol of its stake in the bank.
The Bank of Spain will establish the criteria for managing the foundation's participation in the bank, the relationships between them, the rules on transactions and financial plan to meet the needs of capital.
Banking foundations which have a share of over 50% or who hold positions of control in an institution shall be required to submit in your financial plan a strategy of investment diversification and risk management to avoid the concentration of assets. They should also have a Reserve Fund to meet potential capital requirements and ensure liquidity.
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