Luis Maria Linde
http://economia.elpais.com/economia/2013/01/08/actualidad/1357671452_575247.html
スペイン国立銀行は、スペインの銀行や信用金庫の監督·検査を改革、16の大銀行にそれ専門の調査官を派遣し、継続して現場調査も行う、中小銀行や信用金庫は最低3年おきに調査、調査官と監督執行委員会との意見の相違も報告書に盛り込む、(執行委員会が問題を見て見ぬふりを防ぐ)、金融機関の危険性に対する対応策の標準化、経済問題が銀行に与える影響を監督し銀行をも監督する、問題には遅れずに直ちに対処する、(問題を先送りにしない)
El Banco de España da un vuelco al modelo de supervisión
La Comisión encargada propone que haya inspectores 'empotrados' en las 16 entidades grandes
Todas las carteras de crédito significativas serán inspeccionadas, como máximo, cada tres años
'Puntualización del exgobernador'. Carta al director de Miguel Ángel Fernández Ordóñez
DESCARGABLE Informe de la Comisión Interna del Banco de España
El supervisor “lamenta” las acusaciones de los inspectores
Íñigo de Barrón Madrid 8 ENE 2013 - 23:18 CET
Reform the supervision and inspection of banks and credit unions in Spain, professional investigators dispatched it to the 16 largest banks, we also continue to field investigation, the National Bank of Spain, the small and medium-sized banks and credit unions at least every three years standardization of response measures (to prevent turn a blind eye to the problem is the Executive Committee) to survey, included in the report is also a difference of opinion between the executive Committee and director investigators, against the risk of financial institutions, economic issues (Do not put off the problem) to be addressed immediately also oversees the bank to oversee the impact on the bank, to issue without delay, the
The Bank of Spain upends the supervision model
The Commission has proposed that inspectors charge 'embedded' in the 16 largest entities
All significant loan portfolios will be inspected, at most, every three years
"Pinpointing the former governor '. Letter to director Miguel Angel Fernandez Ordonez
DOWNLOADABLE Report of the International Commission of the Bank of Spain
The supervisor "regrets" the accusations of inspectors
Barron Íñigo Madrid 8 ENE 2013 - 23:18 CET
The severity of the financial crisis has demanded a thorough reform of supervisory systems, criticized in recent years by Brussels and even by the inspectors themselves the Bank of Spain following the sinking of two thirds of the savings banks. The institution directed by Luis Linde announced Tuesday that the internal committee created to comply with the directions of the European Commission has established "in situ continuous monitoring" of the 16 relevant entities. For other remote monitoring will be completed with at least one inspection every three years.
A few years ago, inspectors had only built the Santander and BBVA. Then expanded to La Caixa and Bankia and recently have included the Popular and Sabadell. The inspectors reported that they had devoted many resources and few large banks where the problems were, "boxes and medium banks," said the Association of Inspectors in the report whose contents were published by this newspaper.
The measures came as the governor of the Bank of Spain in July admitted that the institution "acted with so little decision or insufficient or inadequate" following criticism for his management during the boom of the brick. The agency has been accused by his own inspectors effectively pursue no evidence of crime, altering the meaning of the inspection reports and practice a policy that prevented opaque correct decisions in the crisis.
Now Linde supervision hardens with a system designed to "early correction that, as you increase the risk of an entity automatically activate supervisory activities, increasingly coercive, to slow deterioration."
'Men in black' in institutions
The new method will attack the internal governance of banks and risk through requirements that require the retention of profits and capital surcharges. The 60% will be devoted to monitoring the traditional inspection and the rest "to financial monitoring and risk analysis." "All significant loan portfolios will be inspected, at most, every three years," includes a report by Angel Luis Lopez Roa, director of the Bank of Spain at the proposal of the PP. The inspectors reported that in some cases the loans were not reviewed in the past five years.
moreInspectors accuse the Bank of Spain to alter its conclusionsEDITORIAL: Supervising the supervisor"For years the investment was not reviewed effectively""The reaction to the evidence of crime is looking the other way"The ECB warning of the risk of cuts to the Bank of Spain
Another major reform is that "information to the Executive Committee on the possible discrepancy between the Inspection Report, on the one hand, and the information and proposal to the Executive Committee, on the other, is included in a separate section." Inspectors reported that discrepancies "are modulated" and could not get to the dome.
The commission also said to establish "a framework for adapting standardized supervisory measures based on the risk profile of credit institutions", something that did not exist before.
Thereafter, the institution "will link the micro-prudential supervision and macro-prudential supervision", as Brussels has demanded. That is, we must monitor how the problems affect the economy in the states and vice versa. This is what happened with the housing bubble, created gradually in each entity, while across the economy, with major impact on public accounts.
The site monitoring system is already used in some large banks, but now plans to extend it to the 16 relevant entities
Another objective is that corrective actions are undertaken without delay. This was also one of the claims of the inspectors. Among the new items to be monitored are the governance of the entities.
Since that report, the Commission will propose to the relevant Executive written requirements or observations, which include adjustments and deficiencies found in the semester, the supervisor added. Finally, it is proposed to strengthen the planning of inspections and procedures in line with the requirements of Brussels.
0 件のコメント:
コメントを投稿