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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22 PUBLICATIONS
Need for sustainable prosperity comes first
Response to DG FISMA consultation on the possible impact of the CRR and CRD IV on bank financing of the economy
Cheat sheet: the Bank Structural Reform (BSR)
Statement at ECON hearing on Stocktaking and challenges of the EU Financial Regulation
Speaking notes for EC public hearing on CMU
Response to Commission consultation on framework for simple, transparent and standardised securitisation
Response to Commission Green Paper on Capital Markets Union
Response to EBA consultation – The Future of the IRB Approach
Capital Markets Union in 5 questions
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