When will it end? There was a time when Spain’s banking regulation, with its counter-cyclical provisioning, was hailed as a model for others. But the Spanish government’s plan to make banks set aside additional provisions totalling more than €35bn against their property exposure – on top of the €54bn it required in February – suggests that regulation is now by knee-jerk. Spanish bank shares fell sharply on Wednesday.
何時才會到頭?曾幾何時,西班牙的銀行業(yè)法規(guī),尤其是反周期的撥備要求,被奉為其他國家的楷模。然而,按照西班牙政府的計劃,繼2月份要求銀行撥備540億歐元之后,它將要求銀行針對其房貸敞口再次提高撥備,總計超過350億歐元,這似乎表明,如今的監(jiān)管已成為不加思考的本能反應。周三,西班牙銀行類股大幅下跌。
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