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Solvencia bancaria, riesgo de crédito y regulación pública: El caso de la provisión estadística española

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  • Jesús Saurina salas

    (Banco de España)

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    Abstract

    El objetivo de este trabajo es explicar el funcionamiento de la provisión estadística para insolvencias, recientemente creada por el Banco de España, y su utilidad como instrumento para una adecuada regulación pública de las entidades de depósito. Se justifican las razones por las que se ha implantado esta provisión en España y el interés que puede tener para atemperar el impacto que los ciclos financieros tienen sobre el ciclo real de la economía así como su relevancia en el marco del nuevo Acuerdo de Capital de Basilea. Classification-JEL : G18, G21.

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    Bibliographic Info

    Article provided by IEF in its journal Hacienda Pública Española/Revista de Economía Pública.

    Volume (Year): 161 (2002)
    Issue (Month): 2 (June)
    Pages: 129-150

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    Handle: RePEc:hpe:journl:y:2002:v:161:i:2:p:129-150

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    Related research

    Keywords: regulación bancaria; riesgo de crédito; provisión estadística; solvencia bancaria.;

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    1. Diamond, Douglas W & Dybvig, Philip H, 1983. "Bank Runs, Deposit Insurance, and Liquidity," Journal of Political Economy, University of Chicago Press, vol. 91(3), pages 401-19, June.
    2. Santiago Fernández de Lis & Jorge Martínez Pagés & Jesús Saurina, 2000. "Credit Growth, Problem Loans and Credit Risk Provisioning in Spain," Banco de Espa�a Working Papers 0018, Banco de Espa�a.
    3. C. H. Furfine, 2000. "Evidence on the response of US banks to changes in capital requirements," BIS Working Papers 88, Bank for International Settlements.
    4. Santiago Fernández de Lis & Jorge Martínez Pagés & Jesús Saurina, 2000. "Credit Growth, Problem Loans and Credit Risk Provisioning in Spain," Banco de Espa�a Working Papers 0018, Banco de Espa�a.
    5. Juan Ayuso & Daniel Pérez & Jesús Saurina, 2002. "Are capital buffers pro-cyclical? Evidence from Spanish panel data," Banco de Espa�a Working Papers 0224, Banco de Espa�a.
    6. Akerlof, George A, 1970. "The Market for 'Lemons': Quality Uncertainty and the Market Mechanism," The Quarterly Journal of Economics, MIT Press, vol. 84(3), pages 488-500, August.
    7. Crockett, A, 1997. "The Theory and Practice of Financial Stability," Princeton Essays in International Economics 203, International Economics Section, Departement of Economics Princeton University,.
    8. Larry D. Wall & Timothy W. Koch, 2000. "Bank loan-loss accounting: a review of theoretical and empirical evidence," Economic Review, Federal Reserve Bank of Atlanta, issue Q2, pages 1-20.
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