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Research Staff

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Disclaimer. The Curriculum Vitae in this page, and any links from this page to websites outside of the www.bde.es domain, are the sole responsibility of Sonia Ruano Pardo. The Banco de España is not responsible for their content.

Sonia Ruano Pardo

Staff economist
Banking Analysis and Regulatory Policy Division
Financial Stability Department
DG Banking Regulation

Contact Information

  • Address: Calle Alcalá 48, 28014 Madrid, España
  • e-mail:

Fields of Interest

  • No fields of interest specified.

JEL Codes

  • No JEL Codes specified.

Curriculum Vitae

Selected Publications and Working Papers

  • “No bank, one bank, several banks: Does it matter for Investment?”
    Sonia ruano, A. Karaivanov, J. Saurina and R. Townsend (2003-03)
    Banco de España Working Papers - 1003
    JEL codes: C61, D82, D92, G21, G30
  • “Firms’ productivity and export markets: a nonparametric approach”
    Sonia Ruano, Miguel Ángel Delgado, José Carlos Fariñas (2002-02)
    Journal of International Economics - 57 (2), pp. 397,422
    JEL codes: D24, F10, M20, L10
  • “Firms’ productivity, heterogeneity, sunk costs and market selection”
    Sonia Ruano, José Carlos Fariñas (2005-07)
    International Journal of Industrial Organization - 23 (7-8), pp. 505-534
    JEL codes: D24, M20, L10
  • “The dynamics of productivity: a decomposition approach using distribution functions”
    Sonia Ruano, José Carlos Fariñas (2004-04)
    Small Business Economics - 22 (3-4), pp. 237-251
  • “Creación y destrucción bruta de empleo en las empresas industriales españolas”
    Sonia Ruano (2000-01)
    Investigaciones Económicas - 24 (3), pp. 563-584
    JEL codes: L60, J21
  • “Sunk costs, industry dynamics and firm productivity”
    Sonia Ruano, José Carlos Fariñas, Ana Martín Marcos
    Entrepreneurship, Industrial Location and Economic Growth
  • “Morosidad de la deuda empresarial bancaria,1992-2003: modelos de la probabilidad de entrar en mora, del volumen de deuda en mora y del total de deuda bancaria a partir de datos individuales de empresa”
    Sonia Ruano, vicente Salas (2006-01)
    Banco de España Working Papers - #622
    JEL codes: C24, G21, G28, G32
  • “Determinantes microeconómicos de la morosidad de la deuda bancaria en las empresas no financieras españolas”
    Sonia Ruano (2007-01)
    Estabilidad Financiera - 12, pp. 125-144

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