{"id":44760,"date":"2026-05-25T09:00:00","date_gmt":"2026-05-25T07:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=44760"},"modified":"2026-05-18T08:12:26","modified_gmt":"2026-05-18T06:12:26","slug":"does-banking-supervision-work","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/does-banking-supervision-work\/","title":{"rendered":"Does banking supervision work?"},"content":{"rendered":"
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El cicle de crisis financeres de les \u00faltimes d\u00e8cades ha posat de manifest les limitacions dels models actuals de supervisi\u00f3 banc\u00e0ria a l\u2019hora de garantir la solv\u00e8ncia dels bancs, l\u2019estabilitat de l\u2019economia i la confian\u00e7a en el sistema financer.<\/b><\/h3>\n

 <\/p>\n

Els bancs juguen un paper fonamental en l’economia, per tant, <\/span>una bona supervisi\u00f3 banc\u00e0ria \u00e9s un element clau per mantenir la solidesa i la integritat del sistema financer<\/b> d’un pa\u00eds. Aix\u00f2 no obstant, una vegada darrere l’altra veiem com els organismes reguladors no poden evitar que la gesti\u00f3 inadequada d\u2019aquestes entitats tingui conseq\u00fc\u00e8ncies desastroses per l\u2019economia.<\/span><\/p>\n

Essencialment, la supervisi\u00f3 banc\u00e0ria implica la regulaci\u00f3 i el control de les activitats dels bancs per part de les autoritats competents. Aquestes entitats supervisores han de <\/span>garantir que els bancs compleixin amb les normatives i que gestionin adequadament els riscos<\/b> inherents a les seves operacions, de manera que es garanteixi la seva solv\u00e8ncia.<\/span><\/p>\n

Tanmateix, la prom\u00edscua relaci\u00f3 entre la banca i la classe pol\u00edtica ha facilitat la desregulaci\u00f3 i una supervisi\u00f3 inefica\u00e7 del sector financer, conduint a pr\u00e0ctiques arriscades i irresponsables per part dels monopolis que controlen el mercat. Aix\u00f2 posa de manifest <\/span>una manca de voluntat en servir l\u2019inter\u00e8s p\u00fablic que sovint es tradueix en una devastaci\u00f3 econ\u00f2mica <\/b>que acaben pagant els contribuents, rescatant a bancs amb diners p\u00fablics.\u00a0<\/span><\/p>\n

 <\/p>\n

Quan els supervisors bancaris no fan la seva funci\u00f3<\/b><\/h3>\n

La crisi financera del 2008 va tenir el seu origen en l\u2019esclat de la bombolla immobili\u00e0ria del 2006 als Estats Units. Un boom creditici que venia acompanyat d\u2019un <\/span>excessiu palanquejament acumulat pel sector bancari alimentat amb cr\u00e8dit barat<\/b> i una laxa normativa.<\/span><\/p>\n

Les entitats financeres van oferir pr\u00e9stecs hipotecaris subprime a persones amb una solv\u00e8ncia financera q\u00fcestionable, <\/span>concedint cr\u00e8dits a clients amb baixos ingressos o sense verificaci\u00f3 adequada de la seva capacitat de pagament<\/b>. Al mateix temps, els productes financers derivats jugaven un paper clau en l’amplificaci\u00f3 de la crisi. Aquestes inversions van ser considerades inicialment com a segures i de baix risc, ja que les ag\u00e8ncies de qualificaci\u00f3 credit\u00edcia els van atorgar una bona classificaci\u00f3.<\/span><\/p>\n

L\u2019informe d\u2019una comissi\u00f3 d\u2019investigaci\u00f3 creada per esbrinar les causes de la crisi va destacar <\/span>l\u2019excessiva presa de riscos per part dels bancs i la neglig\u00e8ncia els reguladors financers<\/b>. Concretament, va criticar la reducci\u00f3 i falles en la regulaci\u00f3 financera per part de la Reserva Federal durant el mandat d\u2019Alan Greenspan.\u00a0<\/span><\/p>\n

La <\/span>desregulaci\u00f3 i falta de supervisi\u00f3,<\/b> per\u00f2, no venien de nou, ja que va ser la pedra angular de la “Reaganomics” durant els anys vuitanta. L\u2019administraci\u00f3 del president Reagan havia assentat les bases que van inspirar les pol\u00edtiques posades en marxa pels seus successors i que van culminar amb la crisi financera del 2008.<\/span><\/p>\n

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Els auditors posen la supervisi\u00f3 banc\u00e0ria del BCE en dubte<\/b><\/h3>\n

El col\u00b7lapse de Credit Suisse, que venia acompanyat de la fallida del Silicon Valley Bank i del Signature Bank, feia sorgir el fantasma de Lehman Brothers i desencadenava el p\u00e0nic en els mercats. Els governs i les ag\u00e8ncies reguladores <\/span>ens asseguraven que no hav\u00edem de patir pels nostres estalvis i per l\u2019estabilitat del sector financer<\/b> perqu\u00e8, encara que no ho sembl\u00e9s, havien fet seva feina.<\/span><\/p>\n

Doncs b\u00e9, resulta que no, que aquesta vegada tampoc han fet la seva feina. <\/span>Un <\/b>informe<\/b><\/a> publicat pel Tribunal de Comptes Europeu ha posat en dubte la supervisi\u00f3 banc\u00e0ria del BCE<\/b>, alertant que els requisits de capital exigits a les entitats exposades a m\u00e9s riscos s\u00f3n insuficients i que no es va intensificar la supervisi\u00f3 en aquells bancs que presentaven problemes persistents en la gesti\u00f3 del cr\u00e8dit. L\u2019informe apunta que el BCE \u201cno fa servir efica\u00e7ment els seus instruments i compet\u00e8ncies de supervisi\u00f3 per garantir que els riscos identificats estiguin plenament coberts\u201d.<\/span><\/p>\n

I \u00e9s que, tal com va passar amb Lehman Brothers, Credit Suisse <\/span>va rebre el vistiplau dels reguladors i de les ag\u00e8ncies de qualificaci\u00f3 de risc poc abans del col\u00b7lapse<\/b>. De fet, DBRS Morningstar va ser la primera ag\u00e8ncia de qualificaci\u00f3 global a retallar la nota credit\u00edcia de Credit Suisse, menys d’un dia despr\u00e9s que el banc central su\u00eds es vei\u00e9s obligat a rescatar l\u2019entitat financera. En definitiva, un altre suspens en tota regla per part dels supervisors i de les ag\u00e8ncies de \u2018r\u00e0ting\u2019 que suposadament vetllen pels nostres interessos.<\/span><\/p>\n

Una vegada m\u00e9s, sembla que <\/span>els interessos de la banca i d\u2019una minoria selecta tenen prioritat per sobre de la voluntat de servir l\u2019inter\u00e8s p\u00fablic<\/b> i que els suposats supervisors simplement serveixen per perpetuar l\u2019afany d\u2019usura dels poders f\u00e0ctics que justifiquen la seva exist\u00e8ncia. Tots hem sentit la famosa frase d’Albert Einstein: \u201cBogeria \u00e9s fer el mateix una vegada i una altra esperant obtenir resultats diferents\u201d, tots, menys els que s’encarreguen de supervisar la banca, aparentment.<\/span><\/p>\n

 <\/p>\n

Si vols descobrir la millor opci\u00f3 per protegir els teus estalvis, entra a <\/b>Preciosos 11Onze<\/b><\/a>. T\u2019ajudarem a comprar al millor preu el valor refugi per excel\u00b7l\u00e8ncia: l\u2019or f\u00edsic.<\/b><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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