LA PROCICLICIDAD DEL SISTEMA BANCARIO EN ESPAÑA. ESTUDIO DEL COMPORTAMIENTO DEL NEGOCIO BANCARIO ANTE EL CAMBIO DE CICLO

Irene Clara PISÓN Fernández, Félix PUIME Guillén and Miguel Ángel CRESPO Cibrán

Revista Galega de Economía, 2015, vol. 24, issue 3, 5-20

Abstract: El estudio pretende analizar el grado de prociclicidad del negocio bancario y la relación entre los efectos de la crisis bancaria y la crisis financiera.Las concusiones extraídas del análisis empírico del sistema bancario en el periodo anterior y posterior al comienzo de la crisis confirman que el tratamiento de la gestión de riesgo bancario y de crédito deberá incluir no sólo la consideración de variables afectas al deudor, sino todas aquellas vinculadas a la economía en general.

The purpose of this study is to analyze the degree of procyclicality of the banking business and the relationship between the effects of the banking crisis and the financial crisis. Conclusions extracted from the empirical analysis of the banking system in the periods before and after the beginning of the crisis period confirm that the banking and credit risk management should take into consideration not only variables regarding the debtor, but all those related to the whole economy.

Keywords: prociclicidad; crisis financiera; gestión del riesgo bancario; procyclicality; financial crisis; bank risk management. (search for similar items in EconPapers)
JEL-codes: E44 (search for similar items in EconPapers)
Date: 2015
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