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スペインの不良債権で破綻寸前の銀行を欧州救済基金からスペイン銀行再編基金を通して資本増強して救済するのは、どのようにスペイン国民に影響するのか?
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JESUS GONZALEZ Madrid Servulo 11 JUN 2012 - 16:32 CET
Brussels to Spain on Saturday offered a program of financial assistance to their credit. Some of the banks of the fourth eurozone economy will be rescued, in fact they can receive loans to recapitalize, because the government has no capacity to provide the huge amount of money they need to clean up their balance sheets. This rain of millions will be reflected in the daily life of Spanish citizens. But how will the bailout affect your savings, taxes or credits. We try to answer some questions about the consequences of financial aid.
What about your savings?
If you have your money deposited into a bank to launch a brief sigh of relief. The assistance of the European institutions to the Spanish financial institutions most affected by the crisis will be a strengthening in its capital structure. Thus, ensure the tanks of customers. Furthermore, European aid will place the Spanish financial institutions among the most capitalized in the world. With this infusion of money the Deposit Guarantee Fund strengthens its position: € 100,000 guarantee per deposit.
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What happens to the shareholders of the bank?
If you are a shareholder of a financial institution will get less return. Among the conditions that the European institutions may impose on the affected banks and is the reduction of dividends on profits. One of the demands from Brussels to grant aid goes through the lower executive pay and bonus pay to control the management of entities receiving financial aid. In addition, an enhanced public control over the institutions with public money.
What happens to the entities that receive assistance?
The Government has admitted that "financial support" from Brussels to Spanish financial institutions financial constraints would lead only to entities that receive assistance. Granted that the sector will have to address a new process of internal restructuring that could lead to the closure of offices and reduce staff.
What will mean for citizens?
The assistance of up to 100,000 million euros to clean up the Spanish financial sector will increase the pressure on the budgetary targets of Spain (debt and deficit targets). The Government has negotiated a dog to face the conditions required by Brussels in return for the bailout should be limited exclusively to the bench, but helps entail new fiscal consolidation measures. Translated: more spending cuts and new tax increases.
"There will be no new conditions or new macroeconomic fiscal constraints," said this afternoon the Minister of Economy, Luis de Guindos. But the interests of the credit provided by Brussels will have to pay the Government and that will raise the deficit, which will result in new settings. Moreover, in its latest recommendations, Brussels advised to raise the tax levy on consumption-tax-and environment-related. It is certain that once you give aid, toughen its stance on these conditions. Among them is delaying the retirement age or eliminating the deduction for home purchase, among others.
Will she begin to activate the credit?
One of the objectives of the Government to request the bailout passed by pumping money into the system. From the Executive expect after a few weeks since the financial institutions receiving aid is expected to begin circulating the improving credit financing companies and citizens. This will make it easier for institutions to lend again. "The ultimate reason. No other reason is to have sound institutions to enable them to lend to SMEs and Spanish families, "he Guindos riveting.
¿It will lower the price of the units?
Banks and receiving assistance will have to clean up their balance sheets burdened by assets linked to real estate. Recognize any loss in value of its portfolio of housing and credit and loans to developers. Translated: It is expected to lower the price of real estate, who had not experienced all the way down in other countries. However, one of the recommendations to the Government of Brussels is the elimination of the deduction for house purchase.
スペインの不良債権で破綻寸前の銀行を欧州救済基金からスペイン銀行再編基金を通して資本増強して救済するのは、どのようにスペイン国民に影響するのか?
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