スペイン国立銀行の調査官組合の内部報告によると、信用金庫の調査で、大銀行には十分な検査官をさいたが、信用金庫には調査官の数が少なく、何年間もきちんとした投資や融資の調査が出来なかったと反省、不正経営などに対するきちんとした"対応"をしてこなかった、"現場"での調査の欠落、
INFORME DE LOS INSPECTORES DEL BANCO DE ESPAÑA
“Durante años no se revisó la inversión de forma mínimamente eficaz”
Los funcionarios desvelan que se paralizaron inspecciones durante los procesos de fusión
Íñigo de Barrón Madrid 5 ENE 2013 - 22:25 CET
INSPECTORS REPORT BANK OF SPAIN
"For years no investment was revised minimally effective"
Officials reveal that inspections were halted during the merger process
Barron Íñigo Madrid 5 ENE 2013 - 22:25 CET
Throughout the report of the Inspectors Association, recalls several statements Aristobulus John, former CEO of the Bank of Spain and currently reputed consultant. "A good regulation and supervision can be ineffective if there are no mechanisms to resolve insolvency cases. This situation can lead to corruption of the supervisor, "says John.
Inspectors consider that they have neglected methods of Juan Aristobulus and was successful to solve previous banking crises. Also remember that in 2005 they reported problems in monitoring processes and in May 2006 did get the then Economy Minister Pedro Solbes, a letter that warned of the risk concentration estate of some entities supervised by Jaime Caruana then, predecessor Miguel Fernandez Ordonez.
But this does not stop the criticism of inspectors. "In part we have failed and this document is a form of accountability to the public," says one of the heads of the association. But shoot up: "The problem has been the lack of identification of risks and in the absence of supervisory actions designed to mitigate. The problems were known, it has simply been a lack of action. "
One of the traditional principles of the Bank of Spain to consider is broken and has accelerated the crisis is the "supervisor cycle". "All entities subject to supervision must be direct actions (in situ), with a minimum frequency" systemic importance depending on need. "In the case of entities or groups subject to continuous monitoring may not be limited (as in large part) to summarize data provided by institutions, but must review all activity."
The report claims that there are too many inspectors in the two big banks and few in the old boxes
They continue: "There are important areas for many years have not seen, as with some boxes to not interfere in the proceedings were suspended processes in situ and to lengthen the process" fusion "was that for three to five years no decisive investment was revised minimally effective. " They conclude that "some tax audits could be paralyzed."
Comments are a perverse system radiograph accelerated and enlarged the financial debacle. The belief that the economic crisis was temporary and led authorities to the Bank of Spain to encourage mergers to cover the excesses of some entities. During that integrations lasted late-2009 to 2011 -, the inspection is held to "not interfere" (ie, not bothering to managers) and the prolonged recession, the bad apples destroyed everything the basket.
There are so many capital standards that nobody understands, inspectors complain
Inspectors consider it not only a problem of method, also allocation. In paragraph 18, state: "The supervision model in the large banks have spent around a third of total resources, to the detriment of those assigned to the focus of troubled institutions: banks and midsize banks."
Another third of the nearly 400 inspectors have been engaged, as reported in item 21, "almost exclusively to participation on external committees and working groups" dumps in international supervisory coordination and harmonization of criteria, "but have knowledge ".
For some executives surveyed exaggeration calculate the last third of inspectors, but commented that there has been "forced to serve international organizations (European Commission, EBA, IMF, ECB) because we are in the environment of the euro". Also note that the bank union delegate tasks lead to Frankfurt in just over a year and change the whole situation. Inspectors support the new scenario, but remember that most affect decision making, "while the field monitoring will remain Spanish, so improving the ways."
The regulatory tsunami has also been denounced banking. "Anybody can be considered reasonable and within the capacity of human understanding that capital requirements are determined by six different standards? The financial community does not understand. "
Inspectors believe that there is much to do to recover the prestige lost by the institution and request the grant "provided law enforcement officers" to inspectors with the top flight as career. In short, a long and controversial letter of Kings.
スペインの査察報告バンク
"何年もの間全く投資が最小有効改訂ませんでした"
当局は検査が合併処理中に停止したことを明らかに
バロンイニゴマドリード5 ENE 2013 - 22時25分CET
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