Formación Académica y Profesional
Licenciado Matemáticas (Especialidad Fundamentales) por UCM, MBA Executive, MBA Financial Markets, Project Management Excellence Certified
Financial Markets Services Consulting, IT CIO ACO Grupo Santander, IBM Global Services Principal, Electronic Data System Client Ececutive


The mathematician of the Complutense University of Madrid, José-Vidal Ruiz Varela, argues that Europe must raise its borrowing limit, leaving its deflationary policy. Meanwhile, USA must correct debt and raise the interest rates. Raising the interest rates in the USA and dropping them in Europe, recovers the European domestic demand and EE.UU may return to invest in Europe, with a stronger dollar, without any problem, generating hundreds of thousands of Jobs

Curso Superior de #AnálisisDeDatos Contacto :

Curso Superior de #AnálisisDeDatos Contacto :
40 horas. Profesor : José - Vidal Ruiz Varela

Clases Particulares para hacer crecer tu Negocio. #Bigdata #DesarrolloCognitivo

Clases Particulares para hacer crecer tu Negocio. #Bigdata #DesarrolloCognitivo
Profesor : José - Vidal Ruiz Varela

#Bigdata y #Desarrollo #Cognitivo para Personas entre 15 y 65 años

#Bigdata y #Desarrollo #Cognitivo para Personas entre 15 y 65 años
Profesor : José - Vidal Ruiz Varela

Agenda Macro

Agenda de Economía y Finanzas en el Calendario Económico de Español.


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Cotización de las Principales divisas en tiempo real

Cotización de las Principales divisas en tiempo real
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Fitch: Operation Twist Extension to Pressure US Insurer Margins

Fitch Ratings-Chicago/London
Fitch Ratings believes the Federal Reserve's decision to extend Operation Twist until at least the end of the year will add to the pressure on U.S. life insurers' margins and could further reduce statutory capital levels through increased reserving
The Fed's extension of the program is intended to keep long-term interest rates down by selling short-term bond holdings and buying longer term securities
This limits the return insurance companies can generate on their investments
However, minimum rate guarantees incorporated in policyholder accounts also limit the ability of life insurers to pass on lower returns to policyholders and will keep pressure on firms' interest margins and earning
Along with reduced interest margins, near-term impacts from low interest rates include reduced statutory capital levels, driven by increased statutory reserving associated with the use of lower statutory valuation rates and the impact of asset adequacy testing
To a lesser degree, lower rates could affect funding requirements for pension liabilities for a select group of life insurance companies
In the longer term, we are concerned about the strategies life insurers may be using to reach additional yield in the current low interest rate environment, which could make them vulnerable to a credit downturn, disintermediation, and asset liability mismatches in a rapidly rising interest rate environment
To date, we have not seen insurers redeploying investments into below-investment-grade fixed-income securities in search of yield

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