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Algunas consideraciones sobre el proceso de reestructuración en las cajas de ahorro españolas: una referencia al caso alemán

The main objective of this article is a revision of the restructuring process of Savings Banks in Spain in the last years. In addition to the general causes of economic crisis, these entities showed some special characteristics that have determined their future. All these factors are analyzed and particularly, the effects. Following, the Spanish system is compared with the German’s saving banks system. Two points deserve special attention: the search for efficiency is not in contradiction with other objectives different from pursuing maximum profit (for example, social work) and the innovations in this sector have not been favourable.


Antonio David Somoza López

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