Version completa del articulo publicado, con el mismo titulo, en el Boletin Economico del Banco de España de enero de 1996, cuyo resumen aparecio en Sfe|63. (mac)

This paper forms part of the research on the transmission of monetary policy via the interest rates of Spanish banks and savings banks, analysed from a disaggregated perspective. In this respect, it considers structural factors that cannot be taken into account in more aggregated studies, as for...