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スペイン国立銀行は、高金利の銀行の定期預金を罰する法律を廃止するように要望、銀行預金保障基金の増額を強制されるので?
El Banco de España pide que se anule la ley que castiga los depósitos caros
Los sobretipos pagados obligaban a elevar la aportación al Fondo de Garantía
The Bank of Spain seeks the annulment of the law that punishes expensive deposits
The paid sobretipos forced to raise the contribution to the Guarantee Fund
Barron Íñigo Madrid 31 JUL 2012 - 00:34 CET
The paid sobretipos forced to raise the contribution to the Guarantee Fund
Barron Íñigo Madrid 31 JUL 2012 - 00:34 CET
A year has passed and has not had the desired result. In June 2011 the previous government tried to stop the war of deposits that banks with a living standard that punished those who were paying high rates, which were above the Euribor. The sobretipos forced to make greater contributions to the Deposit Guarantee Fund (FGD). It was a way to cope with the closure of wholesale markets.
However, according to market sources, the Bank of Spain believes that the rule has not worked. The FGD has received little windfall, which was one of the objectives. So Economics has requested to vacate the royal decree. This would be one of the first applications of the new management team of the Bank of Spain led by Louis-Marie Linde, which is in strong harmony with the lead agency Luis de Guindos.
Both sources of the ministry and the Bank of Spain declined to comment on this issue. However, the entities are expected to pay any attention to Linde and an end to this rule because the current situation is very different from a year ago. There is also a problem on the horizon. In the market, some banks have avoided the standard offering high pay on the notes rather than deposits. Any action is good to find money to meet the deadlines. But the notes are not covered by the Guarantee Fund, so if the entity that issued has solvency problems, may cause financial problems for customers. But even some difficult moments come from the standpoint of reputation for supervisors. Especially now that the scandal of the preference shares do not find a solution to the nationalized banks.
In any case, there are statistical distortions. The struggle against war has drained deposit the balance of official liability. According to statistics from the Bank of Spain, there are now 1.142 billion in deposits. This represents a fall of 60,000 million compared to May 2010. The current balance is similar to that sector was in 2008. The peak was reached in 2010 financial year closed with 1.216 billion. This fall much spoils the calculation of credits on deposits, a ratio that closely monitors the European Union. Even is a condition that has been studied to implement future financial systems to prevent further credit bubbles like the present. The authorities consider that the move to the notes produces a distortion and volatility in the market for bank debt that should be corrected soon.
more informationBankia crisis reduced minimum deposits since 2008Deposits in a storm
The request of the Bank of Spain does not mean that the supervisor wants the war to encourage deposits. The authorities consider dangerous entities providing end up with its banks about types. However, now that Treasury bills offer a return of around 4%, is a movement towards the liabilities of the State, which has become the toughest competitor of the bank. Is another consequence of the debt crisis that Spain is living. So now you can find deals entities that pay over 3% at short notice. Especially in organizations that work online and by phone. Admit in private institutions that has grown the number of auctioneers, which change according to supply bank.
However, according to market sources, the Bank of Spain believes that the rule has not worked. The FGD has received little windfall, which was one of the objectives. So Economics has requested to vacate the royal decree. This would be one of the first applications of the new management team of the Bank of Spain led by Louis-Marie Linde, which is in strong harmony with the lead agency Luis de Guindos.
Both sources of the ministry and the Bank of Spain declined to comment on this issue. However, the entities are expected to pay any attention to Linde and an end to this rule because the current situation is very different from a year ago. There is also a problem on the horizon. In the market, some banks have avoided the standard offering high pay on the notes rather than deposits. Any action is good to find money to meet the deadlines. But the notes are not covered by the Guarantee Fund, so if the entity that issued has solvency problems, may cause financial problems for customers. But even some difficult moments come from the standpoint of reputation for supervisors. Especially now that the scandal of the preference shares do not find a solution to the nationalized banks.
In any case, there are statistical distortions. The struggle against war has drained deposit the balance of official liability. According to statistics from the Bank of Spain, there are now 1.142 billion in deposits. This represents a fall of 60,000 million compared to May 2010. The current balance is similar to that sector was in 2008. The peak was reached in 2010 financial year closed with 1.216 billion. This fall much spoils the calculation of credits on deposits, a ratio that closely monitors the European Union. Even is a condition that has been studied to implement future financial systems to prevent further credit bubbles like the present. The authorities consider that the move to the notes produces a distortion and volatility in the market for bank debt that should be corrected soon.
more informationBankia crisis reduced minimum deposits since 2008Deposits in a storm
The request of the Bank of Spain does not mean that the supervisor wants the war to encourage deposits. The authorities consider dangerous entities providing end up with its banks about types. However, now that Treasury bills offer a return of around 4%, is a movement towards the liabilities of the State, which has become the toughest competitor of the bank. Is another consequence of the debt crisis that Spain is living. So now you can find deals entities that pay over 3% at short notice. Especially in organizations that work online and by phone. Admit in private institutions that has grown the number of auctioneers, which change according to supply bank.
スペインの銀行は、高価な預金を罰する法律の廃止を求める
保証基金への貢献を高めるために強制的に支払わsobretipos
バロンイニゴ·マドリード31 JUL 2012 - 午後12時34 CET
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