Policy portal Stability & Supervision
When trust in the financial system disappears, panic sets in: fire sales of financial assets and bank runs can make the entire system collapse. Taxpayers are forced to bail out “too-big-to-fail” institutions to protect essential economic functions (deposits, credit, payment systems).
Mitigating implicit “moral hazard” requires sound prudential policies protecting essential banking services from excessive risk-taking and maintaining adequate capital levels to cover possible losses. Well-resourced, and independent supervision is also key. Finally, prudential regulation must also respond to new risks related to digitalisation (see “Digital Finance”) and climate change (see climate risk under “Sustainable Finance”).
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141 PUBLICATIONS
Response to the European Commission’s consultation on State Aid for Banks in Difficulty
Finalising Basel III to serve the European economy (ECON Hearing on the Basel III “Finalisation Package”)
Policy brief: “Cracks in the pillars – Financial stability loses out in the EU’s Basel III endgame”
Assessing risk properly is key to enable insurance companies to invest for the long term and to tackle climate risk (ECON Hearing on Solvency II and IRRD)
Improving the EU Macroprudential Framework for the Banking Sector (Consultation response)
Consultation response on the review of prudential rules for insurance and reinsurance firms (Solvency II Directive)
Consultation response on the functioning of the EU securitisation framework
Consultation Response on the Supervisory Convergence and the Single Rule Book
Consultation response on the Review of the Crisis Management and Deposit Insurance framework (CMDI)
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