Possible worlds are standing on the Bank of a new crisis with the signs are pretty clear.
To overcome the difficult period, the banks need high profit level, pump, a capital restructuring process the bad credit and reform for the profession. The analysts assess the capacity of the Bank to escape from difficult and this debt is quite limited.
The current monetary policy was for a part cause of the worrying situation. 0% interest rate policy or the negative are pulling down Bank lending rates much more than interest rates raised-which could not be cut because of the need to maintain the source of savings and comply with the prescribed requirements for stable sources of capital.
Usually, the bank capital accumulation by revenue from lower deposit interest rate spreads and the property has a stable long-term interest rates, such as safer Government bonds. However, at present the difference between short-term and long-term interest rates have plummeted.
Attract new capital requires the long-term prospects of the industry sectors that are bright. In contrast, a number of innovative elements of the structure are the cause of instability for the future of the banking industry and reduce the existing profits over the long term.
The model of banking activities in a number of countries need the strong reforms, which the first is consolidating operations and cutting costs. Many countries have banks need support is still not "openness" on the issue of foreign property ownership with capital and professional experience can help them operate more efficiently.
Poor legal, for the registration procedure of bankruptcy is not effective, do not encourage new investment poured into the banks or the broadcasting assets. The process of foreclosure properties (to stay) in Italy can take place during more than four years, compared with 18 months in the United States or the United Kingdom.
In many emerging markets, the situation is still more complex. The political organization, agency lenders can force banks to renew long-term debt or even permanent members instead of being considered a capital loss.
Besides, the unexpected political situation more serious. Energy prices suffered the impact of geopolitical situation as well as many market. The referendum about Britain leaving the European Union (EU), also known as Brexit, have made the banking system distracted when the strong pound price reduced and completely change the future of financial institutions in the United Kingdom
In Italy, political factors are hindering the refinancing of banks. While the banking regulations of the European Union (EU) as well as the level of the debt ceiling and budget meant the Government of Italy can hardly intervene to deal with the situation is unsolvable.
Whether a new banking crisis can start blasting out from here? In the present context, the Bank management bodies from around the world will need to find a solution to some of the questions "tricky" as the supply of capital to the developed economies have gone too far from the level needed?
The role of the banks need to be adjusted to ensure that such a crisis will less often than the Führer's life? And what's not fun is the answer to all these questions and more toward the possibility is "Yes"
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