When will it end? There was a time when Spain’s banking regulation, with its counter-cyclical provisioning, was hailed as a model for others. But the Spanish government’s plan to make banks set aside additional provisions totalling more than €35bn against their property exposure – on top of the €54bn it required in February – suggests that regulation is now by knee-jerk. Spanish bank shares fell sharply on Wednesday.
何時才會到頭？曾幾何時，西班牙的銀行業法規，尤其是反周期的撥備要求，被奉為其他國家的楷模。然而，按照西班牙政府的計劃，繼2月份要求銀行撥備540億歐元之后，它將要求銀行針對其房貸敞口再次提高撥備，總計超過350億歐元，這似乎表明，如今的監管已成為不加思考的本能反應。周三，西班牙銀行類股大幅下跌。
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