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アメリカ合衆国のオリバー=ワイマン(Oliver Wyman)調査会社は、スペインの銀行は一部の不動産の不良債権を、企業へのy融資(貸し付け)と偽って決裁している(隠している?)と報告
Oliver Wyman cree que los bancos ocultan parte de los créditos del ladrillo
La firma dice en su informe que ha habido casos de préstamos inmobiliarios asignados al segmento empresarial
Oliver Wyman believes that banks hide part of the appropriations of the brick
The company says in its report that there have been cases of real estate loans allocated to business segments
Miguel Jimenez Madrid 23 JUN 2012 - 00:16 CET
The company says in its report that there have been cases of real estate loans allocated to business segments
Miguel Jimenez Madrid 23 JUN 2012 - 00:16 CET
The consulting firm Oliver Wyman found that Spanish banks do not recognize as such all the brick sector credit they have. "The cases that are known suggest that a significant portion of loans for real estate development and construction have been misclassified as ordinary business loans," says the consultant's report released Thursday by the Bank of Spain. Elsewhere in the report insists that "there have been some bad experiences that credit ratings are assigned to the business segment, which actually correspond to real estate as a result of hardening of the rules associated with the real estate segment."
The brick industry has been subject to increased surveillance and tighter rules on provisions. The first financial reform of the Popular Party government demanded heavy coverage to cover the risks of bad loans and substandard (at risk of default). And then forced to provision a part of sector loans theoretically considered healthy. The second financial reform demanded even tougher provisions for those credits supposedly healthy for the risk that a default has in fact you are hiding through refinancing, such as the International Monetary Fund warned.
The consultant estimated that up to 20% of other real estate loans are
Oliver Wyman believes that not only is hiding bad debt, but it also may be concealing the nature of much of real estate loans. So in your test bench strength that has resulted in a capital needs 51,000 to 62,000 million, was reclassified as high as 20% real estate loan portfolios of large companies, SMEs and construction companies not real estate.
In addition, the U.S. consultancy also believes that the credits are classified as real estate itself is hidden delinquency through restructuring or refinancing. Oliver Wyman believes that up to 50% of the credit promoter theoretically sound is actually the result of refinancing, so that has attributed a higher probability of default. In the remainder of the loan portfolios, the firm also believes that there is default in disguise, which in this case would affect up to 15% of loan volume.
Oliver Wyman indicates that there may have information on the actual volume of delinquent real estate loans and hidden, which indicates that the estimates are conservative or has made, in other words, aggressive when calculating capital requirements. The best estimates are obtained with up audits.
The losses estimated in the next three years in an adverse scenario for the development sector credits are 42% to 48% of loans, but reach 100% for non-urban land.
The brick industry has been subject to increased surveillance and tighter rules on provisions. The first financial reform of the Popular Party government demanded heavy coverage to cover the risks of bad loans and substandard (at risk of default). And then forced to provision a part of sector loans theoretically considered healthy. The second financial reform demanded even tougher provisions for those credits supposedly healthy for the risk that a default has in fact you are hiding through refinancing, such as the International Monetary Fund warned.
The consultant estimated that up to 20% of other real estate loans are
Oliver Wyman believes that not only is hiding bad debt, but it also may be concealing the nature of much of real estate loans. So in your test bench strength that has resulted in a capital needs 51,000 to 62,000 million, was reclassified as high as 20% real estate loan portfolios of large companies, SMEs and construction companies not real estate.
In addition, the U.S. consultancy also believes that the credits are classified as real estate itself is hidden delinquency through restructuring or refinancing. Oliver Wyman believes that up to 50% of the credit promoter theoretically sound is actually the result of refinancing, so that has attributed a higher probability of default. In the remainder of the loan portfolios, the firm also believes that there is default in disguise, which in this case would affect up to 15% of loan volume.
Oliver Wyman indicates that there may have information on the actual volume of delinquent real estate loans and hidden, which indicates that the estimates are conservative or has made, in other words, aggressive when calculating capital requirements. The best estimates are obtained with up audits.
The losses estimated in the next three years in an adverse scenario for the development sector credits are 42% to 48% of loans, but reach 100% for non-urban land.
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