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.
何时才会到头？曾几何时，西班牙的银行业法规，尤其是反周期的拨备要求，被奉为其他国家的楷模。然而，按照西班牙政府的计划，继2月份要求银行拨备540亿欧元之后，它将要求银行针对其房贷敞口再次提高拨备，总计超过350亿欧元，这似乎表明，如今的监管已成为不加思考的本能反应。周三，西班牙银行类股大幅下跌。
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