Los bancos de la zona euro con grandes negocios en dólares deberían reforzar sus colchones de liquidez y capital para resistir cualquier contracción de la divisa estadounidense, dijo el Banco Central Europeo este miércoles.Los bancos de la zona euro con grandes negocios en dólares deberían reforzar sus colchones de liquidez y capital para resistir cualquier contracción de la divisa estadounidense, dijo el Banco Central Europeo este miércoles.

Los bancos de la zona euro expuestos al dólar necesitan más colchones: BCE

Los bancos de la zona euro con grandes negocios en dólares deberían reforzar sus colchones de liquidez y capital para resistir cualquier contracción de la divisa estadounidense, dijo el Banco Central Europeo este miércoles.

El BCE ha estado diciendo a los bancos que vigilen su exposición al dólar desde que los aranceles del presidente de EU, Donald Trump, y su presión sobre la Reserva Federal sacudieron la confianza en la moneda de reserva mundial durante la primavera boreal.

Te puede interesar

  • El Economista

    Sector Financiero

    Las stablecoins podrían desviar los depósitos bancarios de la zona euro: BCE

  • El Economista

    Sector Financiero

    Bancos europeos se enfrentan a un riesgo de crisis sin precedentes: BCE

En la última Revisión de Estabilidad Financiera del BCE, el mensaje se agudizó: el puñado de grandes bancos de la zona euro con actividad en dólares necesita prepararse. "Podría ser necesario un margen de capital para absorber (...) una mayor volatilidad de las divisas y el riesgo de crédito de contraparte", dijo el BCE en el informe semestral. 

"Los bancos deberían mantener activos líquidos en dólares para contrarrestar las salidas y actuar como intermediarios estabilizadores".

La Revisión de Estabilidad Financiera, elaborada por los expertos del BCE, no supone recomendaciones vinculantes para los bancos bajo su supervisión. Sin embargo, subraya la profunda preocupación de los dirigentes monetarios por la liquidez en dólares. 

Según el BCE, las operaciones en dólares se concentran en los pesos pesados mundiales del bloque. Se trata de BNP Paribas, Deutsche Bank, Crédit Agricole, Groupe BPCE e ING, Banco Santander y Société Générale.

El negocio suele incluir el endeudamiento en los mercados monetarios estadounidenses para financiar fondos de cobertura o la venta de "swaps" de divisas a aseguradoras, fondos y empresas que cubren su exposición al dólar.

Para compensar su propio riesgo cambiario, estos bancos suelen tomar el lado opuesto con prestamistas globales a través de "swaps" que rara vez aparecen en los balances.

"La refinanciación de estas posiciones puede resultar complicada en periodos de tensión en los mercados de "swaps" de divisas", afirma el BCE.

Un escenario de pesadilla —no detallado en la revisión— sería que la Reserva Federal cerrara su línea de liquidez de emergencia al BCE, eliminando un respaldo en el que los bancos han confiado desde la crisis financiera.

Por el momento, el BCE sólo ve un desajuste "limitado" entre activos y pasivos en dólares, ya que algunos bancos utilizan acuerdos de recompra (repos) para alinear los vencimientos. Pero advirtió de que estas estrategias "no eliminan por completo el riesgo de liquidez".

"En un escenario extremo, las salidas de dólares podrían agotar la capacidad de los bancos para obtener liquidez mediante repos, "swaps" de divisas y la venta de dichos activos", dijo el BCE.

Los bancos de la zona euro tenían 681,000 millones de euros (788,530 millones de dólares) en títulos en dólares y prestaron el equivalente a 712,000 millones de euros en la divisa estadounidense a finales del año pasado, según datos del BCE.

Disclaimer: The articles reposted on this site are sourced from public platforms and are provided for informational purposes only. They do not necessarily reflect the views of MEXC. All rights remain with the original authors. If you believe any content infringes on third-party rights, please contact service@support.mexc.com for removal. MEXC makes no guarantees regarding the accuracy, completeness, or timeliness of the content and is not responsible for any actions taken based on the information provided. The content does not constitute financial, legal, or other professional advice, nor should it be considered a recommendation or endorsement by MEXC.

You May Also Like

Why 100 Percent Test Coverage is Not Possible — Lessons from Testing Banking and Healthcare Systems

Why 100 Percent Test Coverage is Not Possible — Lessons from Testing Banking and Healthcare Systems

Quality is not about testing everything; quality is about testing what is most important.
Share
Hackernoon2025/12/26 16:05
US eyes crypto mining at disputed nuclear plant in Russia-Ukraine conflict: report

US eyes crypto mining at disputed nuclear plant in Russia-Ukraine conflict: report

The plant is located in Ukraine and has been under Russian control since 2022, with its future management a key issue in peace talks.
Share
Coinstats2025/12/26 18:58
Google's AP2 protocol has been released. Does encrypted AI still have a chance?

Google's AP2 protocol has been released. Does encrypted AI still have a chance?

Following the MCP and A2A protocols, the AI Agent market has seen another blockbuster arrival: the Agent Payments Protocol (AP2), developed by Google. This will clearly further enhance AI Agents' autonomous multi-tasking capabilities, but the unfortunate reality is that it has little to do with web3AI. Let's take a closer look: What problem does AP2 solve? Simply put, the MCP protocol is like a universal hook, enabling AI agents to connect to various external tools and data sources; A2A is a team collaboration communication protocol that allows multiple AI agents to cooperate with each other to complete complex tasks; AP2 completes the last piece of the puzzle - payment capability. In other words, MCP opens up connectivity, A2A promotes collaboration efficiency, and AP2 achieves value exchange. The arrival of AP2 truly injects "soul" into the autonomous collaboration and task execution of Multi-Agents. Imagine AI Agents connecting Qunar, Meituan, and Didi to complete the booking of flights, hotels, and car rentals, but then getting stuck at the point of "self-payment." What's the point of all that multitasking? So, remember this: AP2 is an extension of MCP+A2A, solving the last mile problem of AI Agent automated execution. What are the technical highlights of AP2? The core innovation of AP2 is the Mandates mechanism, which is divided into real-time authorization mode and delegated authorization mode. Real-time authorization is easy to understand. The AI Agent finds the product and shows it to you. The operation can only be performed after the user signs. Delegated authorization requires the user to set rules in advance, such as only buying the iPhone 17 when the price drops to 5,000. The AI Agent monitors the trigger conditions and executes automatically. The implementation logic is cryptographically signed using Verifiable Credentials (VCs). Users can set complex commission conditions, including price ranges, time limits, and payment method priorities, forming a tamper-proof digital contract. Once signed, the AI Agent executes according to the conditions, with VCs ensuring auditability and security at every step. Of particular note is the "A2A x402" extension, a technical component developed by Google specifically for crypto payments, developed in collaboration with Coinbase and the Ethereum Foundation. This extension enables AI Agents to seamlessly process stablecoins, ETH, and other blockchain assets, supporting native payment scenarios within the Web3 ecosystem. What kind of imagination space can AP2 bring? After analyzing the technical principles, do you think that's it? Yes, in fact, the AP2 is boring when it is disassembled alone. Its real charm lies in connecting and opening up the "MCP+A2A+AP2" technology stack, completely opening up the complete link of AI Agent's autonomous analysis+execution+payment. From now on, AI Agents can open up many application scenarios. For example, AI Agents for stock investment and financial management can help us monitor the market 24/7 and conduct independent transactions. Enterprise procurement AI Agents can automatically replenish and renew without human intervention. AP2's complementary payment capabilities will further expand the penetration of the Agent-to-Agent economy into more scenarios. Google obviously understands that after the technical framework is established, the ecological implementation must be relied upon, so it has brought in more than 60 partners to develop it, almost covering the entire payment and business ecosystem. Interestingly, it also involves major Crypto players such as Ethereum, Coinbase, MetaMask, and Sui. Combined with the current trend of currency and stock integration, the imagination space has been doubled. Is web3 AI really dead? Not entirely. Google's AP2 looks complete, but it only achieves technical compatibility with Crypto payments. It can only be regarded as an extension of the traditional authorization framework and belongs to the category of automated execution. There is a "paradigm" difference between it and the autonomous asset management pursued by pure Crypto native solutions. The Crypto-native solutions under exploration are taking the "decentralized custody + on-chain verification" route, including AI Agent autonomous asset management, AI Agent autonomous transactions (DeFAI), AI Agent digital identity and on-chain reputation system (ERC-8004...), AI Agent on-chain governance DAO framework, AI Agent NPC and digital avatars, and many other interesting and fun directions. Ultimately, once users get used to AI Agent payments in traditional fields, their acceptance of AI Agents autonomously owning digital assets will also increase. And for those scenarios that AP2 cannot reach, such as anonymous transactions, censorship-resistant payments, and decentralized asset management, there will always be a time for crypto-native solutions to show their strength? The two are more likely to be complementary rather than competitive, but to be honest, the key technological advancements behind AI Agents currently all come from web2AI, and web3AI still needs to keep up the good work!
Share
PANews2025/09/18 07:00