El sistema bancario español en la crisis y la Unión Bancaria Europea (UBE)
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2017-05
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Jaén: Universidad de Jaén
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[ES]La reciente crisis pasada, originada en Estados Unidos en relación con determinados activos tóxicos, se ha caracterizado por presentar una gran severidad y trasladarse al continente europeo, provocando problemas no solo en el sector privado, sino también en el público. El inicio de esta crisis será, a su vez, el inicio que se tome en este trabajo para exponer la situación que presentaban los grupos institucionales del sistema bancario español en 2007 y hacer un repaso desde una perspectiva empírica por las reformas llevadas a cabo, tanto en los mecanismos como en el propio sistema bancario español, para hacer frente a ella. Además, puesto que la crisis también ha sido el origen de determinadas reformas llevadas a cabo a nivel europeo, las cuales también se encuentran relacionadas con los propios mecanismos nacionales, también serán estas objeto de exposición en pro de proporcionar una visión más completa de la materia, que es el objetivo de este trabajo.
[EN]The present crisis, which was being originated in the USA due to some toxic assets, has being characterized for presenting a huge strictness and being transferred to the European continent, provoking big problems, not only in the private sector, but in the public as well. The start of this crisis is, also, the starting point which I have chosen to expose and make a review, from an empirical perspective, of the situation which presented the institutional groups of the Spanish bank sector in 2007 and the reforms accomplished by the mechanisms and the Spanish bank system to face it. Furthermore, concerning that the crisis has also been the origin of some of these reforms, being carried out in an European level, they are also related to our own national mechanisms. In addition, these topics are also our main aim to expose a more complex vision of the matter, which is the main objective of this essay.
[EN]The present crisis, which was being originated in the USA due to some toxic assets, has being characterized for presenting a huge strictness and being transferred to the European continent, provoking big problems, not only in the private sector, but in the public as well. The start of this crisis is, also, the starting point which I have chosen to expose and make a review, from an empirical perspective, of the situation which presented the institutional groups of the Spanish bank sector in 2007 and the reforms accomplished by the mechanisms and the Spanish bank system to face it. Furthermore, concerning that the crisis has also been the origin of some of these reforms, being carried out in an European level, they are also related to our own national mechanisms. In addition, these topics are also our main aim to expose a more complex vision of the matter, which is the main objective of this essay.