スペイン国立銀行は官報で、スペインの銀行の悪習の、不良債権の借り換えや再編で不良債権の引き延ばしの"隠し"は止めて、損失に成りそうな債権は、直ちに報告去するように要求
El Banco de España pone coto a la morosidad oculta con refinanciaciones
Los bancos deberán señalar “inmediatamente” el dinero que sea irrecuperable
Cristina Delgado Madrid 3 OCT 2012 - 00:07 CET
The Bank of Spain puts an end to late payments with refinancing hidden
Banks should report "immediately" the money is unrecoverable
Cristina Delgado Madrid 3 OCT 2012 - 00:07 CET
The entities are accountable detailed throughout regards to brick and can not use the refinancing to delay or hide default. The Bank of Spain warns banks in new rules published yesterday, that the policy of refinancing or restructuring of loans "should focus on the recovery of all amounts due, which implies the need to recognize immediately the amount that where appropriate, are deemed irrecoverable. " Stresses, according to the new circular in the Official Gazette (BOE), that "the use of restructuring or refinancing for other purposes as may be delaying the immediate recognition of losses, is contrary to good management practices ".
With this indication, the controller includes a concern that aired in April the International Monetary Fund (IMF) warned that Spanish banks could be hiding bad debt through the refinancing process. The regulatory changes are now specified part of the second financial reform driven by the economy minister, Luis de Guindos, by decree of May 11, recalled yesterday as the Bank of Spain.
If debt restructuring, the company will have to indicate which guarantees
Banks should disclose in its financial statements, individual and consolidated, "certain information relating to the refinancing and restructuring operations." These processes will have to specify for each type of customer (business, government or private), whether normal or considered doubtful loans, the guarantees that have these credits, as well as the "concentration of both sectoral and geographical risks ". They must specify the guarantees that have credits.
Also included is the requirement to identify the operations that "deserve special monitoring", among which, again, refinancing processes or operations that affect companies in bankruptcy.
Assets by sector and geography
Institutions will also be disaggregated, as of now, the dangerous active regions and distinguish whether it is activity to credit institutions, with public authorities, businesses and individuals and households. For businessmen who are also must distinguish whether it's developers, builders, and other public works. In terms of households, entities should indicate whether the risk is in credits whose purpose was to buy a house or consumption. By region, the banks will be allowed only grouped under one heading the territories for less than 10% of its activity. If you are over weight, should disaggregate the risk.
It will be mandatory to report risks by sector and communities
Moreover, banks will be required to specify the nature of the assets awarded brick unpaid debts in exchange for greater detail than at present, with a view to their transfer to the State bad bank. So, shall enter an indication of the volume and the carrying value of these assets.
The Bank of Spain also reminded institutions where changes in the records for all the new information that can be monitored and transmitted them now indicates how to disclose their annual accounts. With the rules, the agency also uses to introduce some changes in the statistical requirements to be provided to inform within the EMU.
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