Risk profile of Spanish credit cooperatives: implications for the cost of deposit insurance

The reform proposed by the European Commission in July 2010, modifying the procedure for determining the contributions which the banks must make to the deposit guarantee systems according to their level of risk will imply substantial changes in the fees currently paid. This paper analyzes the risk p...

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Autores principales:	Pilar Gómez Fernández-Aguado, Antonio Partal Ureña
Formato:	article
Lenguaje:	EN ES
Publicado:	AECOOP Escuela de Estudios Cooperativos 2013
Materias:	Estabilidad financiera Sistemas de garantía de depósitos financiación ajustada al riesgo disciplina de mercado banca cooperativa. Economics as a science HB71-74
Acceso en línea:	https://doaj.org/article/983176b5a76d4eb2bdd36da8a65affef
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spelling	oai:doaj.org-article:983176b5a76d4eb2bdd36da8a65affef2021-11-12T13:14:36ZRisk profile of Spanish credit cooperatives: implications for the cost of deposit insurance1135-66181885-803110.5209/rev_REVE.2012.v109.40654https://doaj.org/article/983176b5a76d4eb2bdd36da8a65affef2013-01-01T00:00:00Zhttp://revistas.ucm.es/index.php/REVE/article/view/40654https://doaj.org/toc/1135-6618https://doaj.org/toc/1885-8031The reform proposed by the European Commission in July 2010, modifying the procedure for determining the contributions which the banks must make to the deposit guarantee systems according to their level of risk will imply substantial changes in the fees currently paid. This paper analyzes the risk profile of Spanish cooperatives during 2007-2010 and quantifies their effect on contributions to the Deposit Guarantee Fund for Credit Institutions (FGDEC) using the methodology proposed by the Commission. The study concludes with important evidence about the evolution of the risk profile of the sector in a period of economic recession and the impact of this reform, measured by means of the number of entities that would increase their input and variations in the cost of insurance in relation to the current system.Pilar Gómez Fernández-AguadoAntonio Partal UreñaAECOOP Escuela de Estudios CooperativosarticleEstabilidad financieraSistemas de garantía de depósitosfinanciación ajustada al riesgodisciplina de mercadobanca cooperativa.Economics as a scienceHB71-74ENESRevista de Estudios Cooperativos, Vol 109, Iss 0, Pp 110-137 (2013)
institution	DOAJ
collection	DOAJ
language	EN ES
topic	Estabilidad financiera Sistemas de garantía de depósitos financiación ajustada al riesgo disciplina de mercado banca cooperativa. Economics as a science HB71-74
spellingShingle	Estabilidad financiera Sistemas de garantía de depósitos financiación ajustada al riesgo disciplina de mercado banca cooperativa. Economics as a science HB71-74 Pilar Gómez Fernández-Aguado Antonio Partal Ureña Risk profile of Spanish credit cooperatives: implications for the cost of deposit insurance
description	The reform proposed by the European Commission in July 2010, modifying the procedure for determining the contributions which the banks must make to the deposit guarantee systems according to their level of risk will imply substantial changes in the fees currently paid. This paper analyzes the risk profile of Spanish cooperatives during 2007-2010 and quantifies their effect on contributions to the Deposit Guarantee Fund for Credit Institutions (FGDEC) using the methodology proposed by the Commission. The study concludes with important evidence about the evolution of the risk profile of the sector in a period of economic recession and the impact of this reform, measured by means of the number of entities that would increase their input and variations in the cost of insurance in relation to the current system.
format	article
author	Pilar Gómez Fernández-Aguado Antonio Partal Ureña
author_facet	Pilar Gómez Fernández-Aguado Antonio Partal Ureña
author_sort	Pilar Gómez Fernández-Aguado
title	Risk profile of Spanish credit cooperatives: implications for the cost of deposit insurance
title_short	Risk profile of Spanish credit cooperatives: implications for the cost of deposit insurance
title_full	Risk profile of Spanish credit cooperatives: implications for the cost of deposit insurance
title_fullStr	Risk profile of Spanish credit cooperatives: implications for the cost of deposit insurance
title_full_unstemmed	Risk profile of Spanish credit cooperatives: implications for the cost of deposit insurance
title_sort	risk profile of spanish credit cooperatives: implications for the cost of deposit insurance
publisher	AECOOP Escuela de Estudios Cooperativos
publishDate	2013
url	https://doaj.org/article/983176b5a76d4eb2bdd36da8a65affef
work_keys_str_mv	AT pilargomezfernandezaguado riskprofileofspanishcreditcooperativesimplicationsforthecostofdepositinsurance AT antoniopartalurena riskprofileofspanishcreditcooperativesimplicationsforthecostofdepositinsurance
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Risk profile of Spanish credit cooperatives: implications for the cost of deposit insurance

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