Crise Financeira E Reestruturación Das Caixas De Aforro en España,2003-2013

Abstract

A crise financeira recente provocou unha importante transformación dossistemas financeiros nacionais, en especial, no que se refire ao protagonismo dalgúnsgrupos institucionais tradicionalmente importantes. É o caso do sector das caixas deaforros en España, o cal viuse afectado de forma moi significativa, e por enriba doacontecido noutros grupos institucionais, polas tempestades financeiras dos últimos anos.Coñecer os cambios que se produciron neste importante sector do noso país, tanto a nivelestrutural como de operativa e de presenza no territorio nacional, e tratar de buscar o seuparalelismo cos doutros países nos que estas entidades teñen unha maior relevancia sonos obxectivos perseguidos por este traballo.The recent financial crisis has caused an important transformation of thenational financial systems and especially in those that refer to the prominence of sometraditionally important institutional groups. This is the case of the saving banks sector inSpain which has been affected in a very significant way and because of what has occurredin other institutional groups by the financial storms in the last few years. This essay isaimed at understanding the changes that have been produced in this important sector ofour country, both in a structural level and an operational one, and at the national level,and trying to draw a parallel between those in other countries in which these entities havea major relevance.

The coronavirus: Black swan and endowment shock

“…This model includes the public sector in order to reduce the inequality of income and wealth or even reduce the negative externalities derived from the black swans by taking into account joint actions with other countries, with the possible decision to coordinate public policies among countries (Calvo Bernardino & Martín de Vidales Carrasco, 2017). This section provides, first, a way to reduce the income and wealth inequality caused by black swans as the current pandemic does, and second, a governmental alternative to the great lockdown that is less damaging for the economy, i.e., taking global reallocation measures that help reduce the negative externalities of the black swans (in the case of the coronavirus pandemic, for example, providing medical care and support to all countries).…”