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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24 PUBLICATIONS
Curbing subjectivity: A technical brief on the Fundamental Review of the Trading Book proposal
Public hearing on the EU’s Macro-prudential Policy
Response to the EC’s consultation on the “Review of the EU Macroprudential Policy Framework”
Comments on the EBA’s Interim Report on the Implementation and Design of the MREL Framework
Comments on the current debate regarding bank bail-in and recapitalisation
Response to the BCBS consultation on the “Revisions to the Basel III leverage ratio framework”
Response to the BCBS consultation on “Reducing variation in credit risk-weighted assets”
Speech at the EP Public hearing on Securitisation
Speech at the EC public hearing on the Call for Evidence – A review of the EU regulatory framework for financial services
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