Análisis financiero
La regulación financiera y bancaria y sus efectos, la estructura competitiva del sector bancario, los medios de pago a la financiación de empresas y el papel de lo financiero en el crecimiento económico, son algunos de los aspectos tratados en esta sección.
Destacados
Unintended Consequences of ECB Liquidity: Impact on Credit Allocation and Bank Profitability in the Eurozone
Fecha:
julio 2025
This study provides a comprehensive analysis of how Eurozone banks utilized the massive liquidity provided by the ECB in the past decade and the consequences of those choices.
Artículo
Spanish non-financial corporates’ balance sheets: Asset growth and deleveraging in the euro era
Fecha:
julio 2025
Since entering the euro area, Spain’s non-financial corporations have doubled their real asset base while significantly reducing leverage, particularly bank debt. This structural shift from debt-financed expansion to self-funded investment reflects broader changes in corporate behavior amid evolving economic and financial conditions.
Artículo
Revolving credit in Spain: Between financial inclusion and consumer risk
Fecha:
julio 2025
Revolving credit plays a growing but still limited role in Spain’s household borrowing landscape, offering flexible financing to consumers with limited access to conventional credit. However, its complex structure and high associated costs raise concerns around transparency, education, and regulatory oversight.