这些举措带来了一些安慰。西班牙央行声称自从2008年中期以来,银行们已经预留了1120亿英镑来应对贷款损失。今年央行要求银行们再预留540亿英镑以及新的资金。有了这些充足的缓冲,即使贷款损失高达房产开发商贷款总额的一半,西班牙的银行们也不屑一顾。现在国际货币基金组织认为西班牙的大银行们有足够的资金来抵御大部分冲击,尽管其较小较弱的银行依旧脆弱。
European economy
欧洲经济
As a result of the write-downs, regulators have achieved one objective. Few investors nowfret about property-development loans blowing up Spanish banks. The worry now is aboutall the other loans on banks balance-sheets, against which there are almost no provisions. Take residential mortgages, which have so far held up remarkably well. Lessthan 3% of residential mortgages have started to wobble, a surprise in a country whereunemployment is close to 25%.
监管者已通过减记达到了一个目标。现在很少有投资者担忧房产开发贷款会弄垮西班牙银行。现在的担忧是银行资产负债表上的其它贷款,而这些几乎没有预留资金。。以目前为止表现还不错的住房按揭贷款为例,在一个失业率接近25% 的国家,只有不到3%的住房按揭贷款开始出现问题,这令人惊讶。
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