중동부유럽
연구정보
[행정] Bank failure management in the European banking union: What's wrong and how to fix it
중동부유럽 일반 국외연구자료 연구보고서 - BIS 발간일 : 2020-07-09 등록일 : 2021-04-23 원문링크
The European banking union's current framework for bank failure management does not guarantee that bank failures can be handled without significant support from taxpayers. Reform efforts should focus on the inefficiency of current options for dealing with the failures of small and medium-sized banks and on the inconsistencies between national insolvency regimes and the EU resolution framework. Some benefits could be gained by facilitating greater use of resources from deposit guarantee schemes to fund transfer transactions (sale of business) in resolution and insolvency. A more robust approach, however, would require two more far-reaching changes. The first is the creation of a European Deposit Guarantee Scheme with (sensibly constrained) powers to provide financial support for the orderly market exit of failing banks. The second is to expand the remit of the Single Resolution Board to make it responsible for decision-making for all failing banks in the banking union, regardless of size and systemic importance.
본 페이지에 등재된 자료는 운영기관(KIEP) 및 EMERiCs의 공식적인 입장을 대변하고 있지 않습니다.
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