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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Euro-zone retail sales drop sharply in December

MADRID (MarketWatch)
Retail sales fell 1.6% in the euro zone in December, Eurostat said Wednesday
The largest December decreases in retail sales were in Germany, 2.4%, Belgium, 1.9% and Finalnd, 1.3%
The highest increases were in Luxembourg, 9.4%, Poland, 6.7%, Romania, 5.9% and Bulgaria, 5.6%
November sales were revised sharply lower, to a gain of 0.9% from a prior 1.4% rise
"It previously seemed there was an upside risk to our forecast for private consumption, but with the latest decline and the revision, this does not seem to be the case any longer," said analysts at Dankse Bank in a note
While consumer confidence numbers show retail sales are likely to increase, the analysts said more immediately the data could be key for the European Central Bank meeting 
They are calling for a cut in the refinancing rate to 0.1%                     

1 comentario: dijo...

LISBON--The dependence of the Portuguese banking system on the European Central Bank fell to a two-year low in January, as banks continued to cut lending and attract more deposits.

Bank of Portugal said domestic banks' use of the ECB's various credit facilities fell to 47 billion euros ($64 billion) from EUR47.86 billion in December. The last time the figure was below EUR47 billion was in January 2012.

Portuguese banks have relied heavily on ECB money since they lost access to financing in wholesale markets in 2010. The country asked for a bailout in April 2011.

As part of the bailout, banks committed to cutting loan-to-deposit ratios to 120% from 165% in order to be less reliant on outside funding. Some banks have already met that target.