Commento a Montanaro e Tonveronachi

Marco Onado

Abstract


Le banche europee, e quelle italiane non fanno eccezione, sono cresciute molto grazie all’avvento dell’euro, secondo molti sono cresciute troppo. Hanno inoltre accumulato problemi strutturali che spiegano i risultati poco incoraggianti dei test svolti da Montanaro e Tonveronachi (2017). Questi problemi non possono essere risolti solo dalla ripresa ciclica, ma richiedono soluzioni più ampie e incisive di quelle, pur importanti, finora attuate a livello europeo. A differenza di altri paesi, l’Europa non ha proposto indagini né rapporti ufficiali sulle cause profonde della crisi e sul tipo di sistema bancario che vogliamo.European, and among them Italian banks, have grown too large since the inception of the euro.

European, and among them Italian banks, have grown too large since the inception of the euro. They have accumulated structural problems underlying the results of the stress tests proposed by Montanaro and Tonveronachi (2017). These problems cannot be automatically solved by the cyclic upturn and require wider and more ambitious solutions at the European level. Differently from other countries, the EU has not produced reports or formal investigations on the deep causes of the financial crisis, and notably has not discussed what sort of banking system it wants.

JEL codes: G21, G28, H81

Keywords: banking sector, profitability, non-performing loans


Parole chiave


banking sector, profitability, non-performing loans

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Riferimenti bibliografici


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DOI: https://doi.org/10.13133/2037-3651_71.282_2

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Reg. Tribunale di Roma n.377/2009 del 19/11/2009