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La grave crisis economica que acompano a la crisis financiera inicial, cuyo origen se establece en el sector de la vivienda en Estados Unidos, y las posteriores tensiones en los mercados de deuda soberana europea, generaron importantes problemas de estabilidad y de solvencia en el sector bancario espanol. Este entorno de profunda inestabilidad economica y financiera constituye el punto de partida de este trabajo, que tiene como objetivo prioritario, en primer lugar, realizar un analisis de las reformas financieras adoptadas por las autoridades espanolas desde finales de 2008, momento en el que se implementaron medidas a corto o medio plazo para hacer frente a las consecuencias mas inmediatas de la crisis, hasta la finalizacion del programa de asistencia financiera; y, en segundo, comparar los resultados alcanzados con los correspondientes a otros sistemas bancarios que tambien han recibido apoyos publicos. The grave economic crisis that accompanied the initial financing crisis, whose origin is established in the housing sector in the United States of America, and the following tensions in the European sovereign debt markets, generated important stability and solvency problems in the Spanish banking sector. This environment of profound economic and financing instability constitutes the starting point of this work, that has as its main objective, in the first place, to realize an analysis of the financing reforms adopted by the Spanish authorities since the end of 2008, the moment in which short or medium range steps were implemented to face up to the more immediate consequences of the crisis, until the end of the financing assistance program, and, in the second place, to compare the results obtained with those corresponding to other banking systems that have also received public support.

Crisis y cambios estructurales en el sector bancario español: Una comparación con otros sistemas financieros