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Banking supervision and regulation over the past 40 years

In: The Spanish financial System

Author

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  • Raimundo Poveda

Abstract

At the start of the 1960s, the solvency of Spain’s credit institutions was primarily based, not on prudential regulation, which was still rudimentary, or supervision, which was still underdeveloped, but on an institutional framework that offered little room for competition. The key components of this framework were: The banking status quo of the 1940s and 1950s, which obstructed the emergence of new banks and severely limited branch openings. A strict interest rate schedule (with capped deposit rates and minimum lending rates) that protected banks’ margins. A highly compartmentalized financial system that the authorities reinforced by splitting the mixed banking model into commercial banks and industrial and investment banks.

Suggested Citation

  • Raimundo Poveda, 2012. "Banking supervision and regulation over the past 40 years," Palgrave Macmillan Books, in: José Luis Malo de Molina & Pablo Martín-Aceña (ed.), The Spanish financial System, chapter 7, pages 219-271, Palgrave Macmillan.
    • Handle: RePEc:pal:palchp:978-0-230-36114-0_8
    DOI: 10.1057/9780230361140_8
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    Cited by:

    1. Argimón, Isabel & Rodríguez-Moreno, María, 2022. "Risk and control in complex banking groups," Journal of Banking & Finance, Elsevier, vol. 134(C).

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