スペインの銀行は、預金者を獲得するために、金利の高いが危険率の高い金融商品を発売、380億0000'0000ユーロが影響
Los bancos pugnan por los depósitos vendiendo productos menos seguros
Familias y empresas acumulan pagarés por 38.000 millones de euros
Thiago Ferrer Madrid 12 AGO 2012 - 00:15 CET
Banks competing for deposits less secure selling products
Families and businesses accumulate notes for 38,000 million euros
Thiago Ferrer Madrid 12 AGO 2012 - 00:15 CET
Yet another great war of the liability, competition between banks for the collection of resources from households and businesses, is developed to impotence of regulators. The entities have eluded the attempts of the Bank of Spain to penalize high-yield deposits through the use of a product as simple as the veteran bank note.
The marketing of these products was, in general, aimed at institutional investors, but in recent months is promoting its broadcast to individuals. The bank notes are similar to Treasury bills (this is a promise made by the bank to pay an amount with some interest for a term of between 3 and 18 months). However, neither are guaranteed by the State (as letters) or have coverage Deposit Guarantee Fund (FGD), such as bank deposits. Are therefore more risky than both. Homes and Spanish companies in late June had promissory notes amounting to 38,000 million euros, compared to 18,000 million they had in the same time last year, according to estimates from the school BBVA Research with the Bank of Spain.
The banking regulator in April 2011 attempted to stop the battle between banks to attract deposits in exchange for offering high interest (which could affect their profits) by forcing them to increase contributions to the FGD. The agencies responded by offering their customers alternatives, especially notes. Since September 2011, bank deposits of households and families have been reduced by 28,000 million, but the fall of resources has been offset by an increase of the notes in the hands of those same sectors, amounting to 27,000 million during the same period, according BBVA estimates.
Total deposits of Spanish banks (resident in Spain, euro area and elsewhere) rose 3% from June 2011 to 2.61 billion euros at the end of that month this year. The bulk of the increase was due to domestic interbank deposits, which increased by 337 000 million (119%) between June 2011 and June this year, reaching 619,000 million. Only last June the increase was 63,000 million euros, up 11% at the end of the preceding month.
The advance of interbank deposits would not have been possible without the intervention of the European Central Bank (ECB), which provided nearly one billion euros to banks in the euro area in December 2011 and February 2012 to revitalize the credit and ensure the liquidity of European banking. According to market sources, the Spanish banks were more than 200,000 million euros in loans to 1% and three year maturity. However, very little of that money has gone to families and businesses: lending to other resident sectors have been reduced by 42,000 million euros since the beginning of the year, according to the Bank of Spain.
Spanish banks were, in the year between June last year and March 2012, a fall of 135,000 million in deposits by non-residents (in the euro area and the rest of the world). Of that money, half-million up to 67,000 families and businesses.
Only in June, came from Spanish banks 8,000 million euros of depositors of other resident sectors, as businesses and families-in other eurozone countries. Overall in the last year the deposits of households and businesses from the other 16 countries of the euro have fallen by 46% to stand at 40,000 million euros in late June.
In any case, foreign capital outflows were much lower in June than in April and May, when they amounted to 30,000 million euros in the wake of the intervention of Bankia.
The failure of the Bank of Spain when the war of passive control has led to the new team led by Luis Maria Linde to meet the demands of the bank and ask the government to withdraw the extraordinary contributions to the FGD to at least recover some of contributions to the Fund not made the notes.
Last April, the Bank of Spain came back up these contributions to cover the hole in the jacket assets of depositors Spanish that has left the creation of the Bank Restructuring (FROB). Unsuccessful, the DGF has been forced to make a shed for 2.346 million euros from partner banks.
War of the liability was triggered in September 1989 by the Bank of Santander, which became a very strong market deposit to 11.5% per year (the reference interest rates were now at 9%).
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