英语论文网

银行业的市场结构和竞争

过去在欧盟内的西班牙的经济收敛快速

十年已经反映一个银行业的同样快速扩张，西班牙银行业总资产超过GDP，从70扩大到欧盟平均水平的80%。2007年的结束时，银行业持有的资产总额占到GDP的280%,比1997年高出110个百分点。西班牙的银行业包含四种类型的机构:（西班牙银行，在2010年4月13日可用的数据）
a€￠商业银行-154个实体,占信贷体系资产总额的54%，其中53个是西班牙国有的，17个是子公司，80个是外国机构的分支。国内银行通常是在市场交易的主体，主要忙于营收银行业务
a€￠储蓄银行-46个实体，在市场的占有率为40%，它们不是为了盈利。基金会”与强大的地方政府和/或自治社区的参与。在股票市场，它们也不被列出或交易。
a€￠合作银行-83个实体，市场占有率是4%，他们是有组织的，在西班牙合作银行的保护下。他们基于会员提供服务,但也可以提供一些金融服务给第三方，像做其他信贷机构。
a€￠专业信贷机构(SCIs)-69个实体，市场占有率为2%，尽管信贷机构实施了很多的活动，但是他们禁止接收可偿还的资金来自民以存款，贷款，金融资产的暂时分配和其他可比较的工具的形式。
储蓄银行的合并受支配于各自地方政府的批准。储蓄银行不能被私人个体或单位购买，由于他们的法律性质，但是他们可以获得其他公司或信贷机构。然而，储蓄银行的资产或分支可以被个人或私有企业，商业银行购买。更多细节，看FSAP (2006）技术说明在西班牙储蓄银行的监督和管理。(IMF 国家报告 No.06/215).

Market Structure And Competition In The Banking Sector Finance Essay

过去在欧盟内的西班牙的经济收敛快速-The rapid economic convergence of Spain in the European Union in the last

decade has been mirrored by an equally rapid expansion of its banking industry the Spanish banking sector's total assets over GDP expanded from 70 to 80 percent of the EU average.At the end of 2007, total assets held by the banking sector amounted to 280 percent of GDP; 110 percentage points higher than in 1997.The Spanish banking sector comprises four types of institutions: (Bank of Spain, data available at 13 April 2010)
a€￠ Commercial banks - 154 entities, accounting for 54 percent of total credit institutions' assets, of which 53 are Spanish-owned, 17 are subsidiaries and 80 are branches of foreign institutions.Domestic banks are generally market-traded entities mostly engaged in retail banking;
a€￠ Savings banks (Cajas) -46 entities, with a market share of 40 percent. They are 'not for profit.foundations' with strong local government and/or autonomous communities' participation. They are not listed or traded in the stock market.
a€￠ Cooperative banks - 83 entities, with a market share of 4 percent. They are organized under the umbrella of Banco Cooperativo Espa?ol. They provide services based on membership, but can also offer some financial services to third parties as do other credit institutions.
a€￠ Specialized credit institutions (SCIs) - 69 entitites, with a market share of 2 percent. Although carrying out most of the activities of credit institutions, they are prohibited from receiving repayable funds from the public in the form of deposits, loans, temporary assignment of financial assets, or other comparable instruments.
Mergers of savings banks, or cajas, are subject to respective regional governments' approval. Cajas cannot be purchased by private individuals or institutions due to their legal nature, but they can acquire other companies and credit institutions. Nevertheless, cajas' assets and branches can be purchased by individuals, private
companies and commercial banks. For more details, see FSAP (2006) 'Technical Note on Regulation,Supervision, and Governance of Spanish Cajas,' (IMF Country Report No. 06/215).

September 2010 European central bank

Market structure indicators, such as the Herfindahl Index or the share of total assets of the five largest institutions, indicate that the d concentration in Spain, albeit increasing, has remained one of the lowest in the EU (Table a€|.). A number of studies have investigated banking competition in Spain and 本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。