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La gestione dei crediti deteriorati: un percorso a ostacoli tra soluzioni individuali e soluzioni di sistema

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  • Paola Bongini
  • Maria Luisa Di Battista
  • Laura Nieri

Abstract

Il rapido e consistente deterioramento del portafoglio prestiti bancari, causato dal rallentamento dell?economia nel corso degli ultimi anni, e la conseguente elevata incidenza dei crediti deteriorati (NPL) nei bilanci delle banche europee costituisce una preoccupazione per le autorit? di vigilanza, oltre che per le stesse banche. Un?elevata rischiosit? del portafoglio prestiti riduce la redditivit? delle banche e al limite ne compromette la stabilit? e al contempo ? una delle principali cause del rallentamento dell?offerta di credito, nonostante l?abbondante liquidit? immessa nel sistema dalla BCE. L?articolo si propone di analizzare, con riferimento alle banche europee e in particolare a quelle italiane, il fenomeno dei NPL e le loro conseguenze, e di individuare le soluzioni adottabili dalle singole banche ovvero a livello di sistema. Se da un lato, l?implementazione da parte delle banche di pratiche gestionali pi? efficaci ed efficienti pu? contribuire a ridurre l?incidenza dei NPL nei bilanci bancari, restano peraltro ostacoli dovuti a fattori esogeni, quali inefficienze nelle procedure di gestione delle crisi aziendali e/o nel recupero dei crediti o ancora l?assenza di un ampio ed efficiente mercato secondario per i NPL. Questo giustifica la ricerca di soluzioni di sistema, che tuttavia - a differenza di quanto accaduto in passato in altri paesi europei - non pu? contare su un consistente aiuto pubblico. Si tratta quindi di trovare un difficile bilanciamento tra costi individuali e benefici che invece quantomeno in parte sono di natura pubblica

Suggested Citation

  • Paola Bongini & Maria Luisa Di Battista & Laura Nieri, 2016. "La gestione dei crediti deteriorati: un percorso a ostacoli tra soluzioni individuali e soluzioni di sistema," ECONOMIA E DIRITTO DEL TERZIARIO, FrancoAngeli Editore, vol. 2016(3), pages 439-465.
  • Handle: RePEc:fan:ededed:v:html10.3280/ed2016-003006
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    References listed on IDEAS

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    1. Laeven, Luc & Majnoni, Giovanni, 2003. "Loan loss provisioning and economic slowdowns: too much, too late?," Journal of Financial Intermediation, Elsevier, vol. 12(2), pages 178-197, April.
    2. Nadège Jassaud & Mr. Kenneth H Kang, 2015. "A Strategy for Developing a Market for Nonperforming Loans in Italy," IMF Working Papers 2015/024, International Monetary Fund.
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    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • G33 - Financial Economics - - Corporate Finance and Governance - - - Bankruptcy; Liquidation

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