Perfil de riesgo de las cooperativas de crédito españolasimplicaciones en el coste del seguro de depósito

  1. Gómez Fernández-Aguado, María Pilar
  2. Partal Ureña, Antonio
Revista:
REVESCO: revista de estudios cooperativos

ISSN: 1135-6618

Año de publicación: 2012

Título del ejemplar: La financiación complementaria y la respuesta de la economía social: la situación del "des-crédito" bajo la crisis financiera

Número: 109

Páginas: 110-137

Tipo: Artículo

DOI: 10.5209/REV_REVE.2012.V109.40654 DIALNET GOOGLE SCHOLAR lock_openDialnet editor

Otras publicaciones en: REVESCO: revista de estudios cooperativos

Objetivos de desarrollo sostenible

Resumen

La reforma propuesta por la Comisión Europea en julio de 2010, modificando el procedimiento para fijar las aportaciones que deben realizar las entidades de crédito a los sistemas de garantía de depósitos en función de su nivel de riesgo, supondrá cambios sustanciales en las cuotas que pagan actualmente. Este trabajo analiza el perfil de riesgo de las cooperativas españolas durante el período 2007-2010 y cuantifica su efecto sobre las contribuciones al Fondo de Garantía de Depósitos de Entidades de Crédito (FGDEC) aplicando la metodología desarrollada por la Comisión. El estudio concluye con importantes evidencias sobre la evolución del perfil de riesgo del sector durante un periodo de recesión económica y el impacto de esta reforma, valorado a través del número de entidades que aumentarían su aportación y las variaciones en el coste del seguro respecto al sistema vigente.

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