Читать книгу Retos y desafíos de las garantías reales - Abel B. Veiga Copo - Страница 61

Does the ease of enforcement in the Member States differ according to the type of debtor? The results for enforcement against corporate debtors, sole traders and partnerships are quite similar to the overall enforcement averages presented above for the European Union. Notable differences in the Member States mainly concern deviations between the overall enforcement average and the average for enforcement against consumers. Hence, the enforcement frameworks of Member States deviate more from their general approach when banks enforce loans against consumers. To be more precise, the support for banks enforcing loans is lower in some Member States compared to enforcement against companies, sole traders and partnerships. Consequently, banks expect lower recovery rates and/or longer recovery times for consumers than for other types of debtors.