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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12 PUBLICATIONS
Evidence to ECON Committee hearing on Bank Structure Reform
Bank reforms will help lift Europe’s struggling economy
Finance Watch response to the public consultation on the Europe 2020 strategy
Open letter to Michel Barnier on completion of his mandate
Finance Watch Policy Brief “Should precautionary recapitalisations make taxpayers nervous?”
Finance Watch response to the public consultation on stakeholder consultation guidelines
Finance Watch note “Too-big-to-fail in the EU”
Finance Watch Policy Brief “Structural reform to refocus banks on the real economy”
Finance Watch response to consultation on modalities for investment protection and ISDS in TTIP
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