Improving SME access to finance in Spain

Letter from the Editors

Fintech sector

The economic recovery:
Short-term outlook and principal challenges

Spain´s economic recovery is a reality. However, in and of itself, the recovery will not be sufficient to address the main challenges facing the Spanish ...

Fintech sector

Snapshot of the Spanish banking sector in a European context

The results of the latest round of EU-wide stress tests have reinforced the perception of improvement in the Spanish banking system, as well as of increased ...

Fintech sector

Beyond the 2016 stress tests for European banks

The 2016 EU-wide stress tests represent a positive, initial step towards further restoring confidence in the European banking sector. However, the ...

Fintech sector

The impact of low interest rates on the insurance sector

The protracted period of low-interest rates is undermining interest income in the insurance sector in Spain and in Europe. As part of the adaptation to this ...

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Recent Spanish regulation aimed to improve SMEs’ access to finance

Recent regulations approved in Spain seek to improve SMEs’ access to both bank and alternative financial sources through reducing information asymmetries ...

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The role of the Bank of Spain’s SME Circular in facilitating access to finance

The high degree of dependence on bank credit represents a key challenges for access to finance for Spain´s SMEs. Recent regulations adopted by the Bank ...

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An assessment of fiscal slippage at the regional government level in Spain

A closer look at the diversity of fiscal performance at the regional level provides insights into the possible causes behind recent slippage. However, even in ...

Fintech sector

Spanish electricity market reform: Positive effects but more competition needed

Recently adopted reforms have helped to address some of the operating problems of the electricity sector in Spain. While these much-needed reforms represent a ...

Regulation and Economic Outlook
Recent key developments
in the area of Spanish financial regulation
Prepared by the Regulation and Research Department of the Spanish Confederation of Savings Banks (CECA)
Spanish economic
forecasts panel: September 2016
Funcas Economic Trends and Statistics Department
Key Facts
Economic Indicator
Financial System Indicators