Publication: El papel de las ayudas públicas en el funcionamiento del sector bancario privado ¿Medidas excepcionales o dependencia estructural? Estudio del caso español (1980-2019)
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2022-11-16
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Universidad Complutense de Madrid
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Abstract
La actuación de los bancos centrales, como prestamistas de última instancia a medio y largo plazo, y el papel de las administraciones públicas, como garantes de los depósitos bancarios, son elementos de enorme importancia con impacto directo sobre los bancos en términos cuantitativos. El objetivo de este estudio es contribuir a la comprensión de la dinámica y funcionamiento del sector bancario y su capacidad para operar sin ayudas públicas, y responder a la pregunta fundamental de si la ayuda pública es una ayuda temporal y excepcional o tiene carácter estructural. Para lograr este objetivo, es fundamental profundizar en el conocimiento de la naturaleza de la actividad bancaria y su viabilidad como negocio privado, y conocer las formas en que el sector público apoya la actividad de las entidades de banca privada, tanto en términos cuantitativos como cualitativos. Para dar una respuesta adecuada, este estudio analizará el amplio espectro de diferentes ayudas estatales de las que se ha beneficiado el sector durante un periodo suficientemente largo, el periodo de cuarenta años desde 1980 hasta 2019.
The action of central banks, as lenders of last resort and medium and long-term lenders, and the role of public administrations, as guarantors of bank deposits, are elements of enormous importance with a direct impact on banks in quantitative terms. The purpose of this study is to make a contribution to the understanding of the operating dynamics of the banking sector and its capacity to operate without public aid, and to answer the fundamental issue whether public help is a temporary assistance in the short term or a continued support with a structural nature in the long term. To achieve this goal, it is essential to gain further understanding of the nature of the banking activity and its viability as a private business, and to ascertain the ways public sector supports the activity of the private banking entities, in both quantitative and qualitative terms.In order to give an appropriate response, this study will analyze the broad spectrum of different state aids from which the sector has benefited for a sufficiently long period, the forty-year period from 1980 through 2019.
The action of central banks, as lenders of last resort and medium and long-term lenders, and the role of public administrations, as guarantors of bank deposits, are elements of enormous importance with a direct impact on banks in quantitative terms. The purpose of this study is to make a contribution to the understanding of the operating dynamics of the banking sector and its capacity to operate without public aid, and to answer the fundamental issue whether public help is a temporary assistance in the short term or a continued support with a structural nature in the long term. To achieve this goal, it is essential to gain further understanding of the nature of the banking activity and its viability as a private business, and to ascertain the ways public sector supports the activity of the private banking entities, in both quantitative and qualitative terms.In order to give an appropriate response, this study will analyze the broad spectrum of different state aids from which the sector has benefited for a sufficiently long period, the forty-year period from 1980 through 2019.
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Tesis inédita de la Universidad Complutense de Madrid, Facultad de Ciencias Económicas y Empresariales, leída el 16-06-2022