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

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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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REPORT : S&P downgrades Italian banks on deeper recession

Standard & Poor's Ratings Services raised its economic-risk score on Italy and downgraded 15 Italian banks, noting the country faces a deeper and more prolonged recession than the firm had originally anticipated.
S&P also lowered its outlook on one bank and removed ratings on four of them from negative Credit Watch                               
A severe recession likely will increase Italian banks' problem assets in 2012 and 2013 to levels higher than anticipated, and higher than other banks in Europe, the ratings firm said                               
At the same time, the banks' coverage of problem assets has weakened in the past few years, S&P said                               
S&P revised its economic-risk score, which is a component of its banking-industry country-risk assessment, to 5 from 4
The firm now views credit risk in the Italian economy at "high risk" from its earlier assessment of "intermediate risk." It affirmed Italy's BICRA at group 4                               
The ratings firm now expects Italy's gross domestic product to decline 2.1% in 2012 and 0.4% next year. S&P noted the state of the Italian economy, which hasn't recovered since its 2008-09 recession, is increasing the vulnerability of its banks' asset quality                               
S&P projects Italian banks' problem assets, or the sum of bad loans and watchlist loans, will rise to EUR218 billion by the end of 2013, compared with EUR166 billion at the end of 2011 Italian banks' problem assets at year-end 2011 had already more than doubled from EUR75 billion in 2008, owing to the recession, the firm added
The firm also said Italian banks' coverage of problem assets through provisioning has decreased further over the past few years                               
Last month, peer Fitch Ratings affirmed Italy's long-term ratings at A-minus, pointing to the country's structural reforms to enhance the growth potential of the economy and commitment to reducing the budget deficit and public debt                               
Meanwhile, Moody's Investors Service downgraded Italy's government-bond rating two notches to Baa2 in July, saying the country faces a greater likelihood of a further sharp increase in funding costs or loss of market access given euro-area risks and that its economy has continued to deteriorate
Moody's also lowered its long-term ratings on 10 Italian banks and its issuer ratings on three Italian financial institutions by one to two notches last month                               
In January, S&P cut Italy's rating by two notches to triple-B-plus
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