La crisis financiera internacional se ha reflejado en un aumento de los tipos de interes del nuevo credito a las empresas, en particular en los paises perifericos y en el caso de las pymes. En este documento se analiza la formacion de los precios del credito en dos paises de la periferia,...

Banking union is the most ambitious European project undertaken since the introduction of the single currency. It was launched in the summer of 2012, in order to send the markets a strong signal of unity against a looming financial fragmentation problem that was putting the euro on the ropes....

La crisis ha supuesto un incremento de la fragmentacion financiera y la constatacion de un vinculo entre los riesgos soberano y bancario nacionales, cuya persistencia en el tiempo seria incompatible con el euro. La solucion a estos problemas debe ser la union bancaria, que debe construirse a la...

En los ultimos anos, los ratios de bancarizacion en Uruguay han mostrado una tendencia positiva, aunque sin alcanzar los niveles que mantenia antes de la crisis de inicios de siglo. El ratio de credito sobre PIB en el ano 2010 se ubico cerca del 18%, mientras que el de los depositos supero el...

Colombia has a low level of financial depth. Efforts have been made by governments and the private sector in recent years to encourage the development of models which might provide enhanced access to financial services. These financial inclusion plans are based on creating access channels that...

Los bajos niveles de bancarizacion de la poblacion mexicana, en comparacion con otros paises de Latinoamerica, plantean el reto de incrementar la oferta de servicios financieros hacia nuevos mercados, a traves del uso de avances tecnologicos y canales innovadores. Los telefonos moviles son...

The financial system is undergoing an important regulatory overhaul, gradually increased during the last five years. Solvency II and Basel III are two of the most relevant global initiatives that try to reformulate the future landscape for finance. Under this scenario the Insurance and Pensions...

The crisis has led to increased financial fragmentation and revealed the link between sovereign and national banking risks, whose persistence over time would be incompatible with the euro. The solution to these problems must be the banking union, which should be constructed at the same time as...

The low levels of banking penetration in the Mexican population, as compared to other Latin American countries, present the challenge of increasing the range of financial services towards new markets through the use of technological advances and innovative channels. Mobile phones are an...

Tras la crisis financiera internacional, el sistema bancario espanol tendra que afrontar un nuevo entorno, en el que las condiciones no seran tan benignas como lo eran antes de la crisis ni tan extremas como lo son en la actualidad. En este articulo se pasa revista a las principales tendencias...