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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13 PUBLICATIONS
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)
Tackling non-performing loans in the aftermath of the Covid-19 pandemic
Response to EU Commission on review of Alternative Investment Fund Managers Directive (AIFMD)
Consultation response on implementing the final BASEL III reforms in the EU
How can safer banks hurt the EU economy?
Consultation response on EBA’s proposals for a STS framework for synthetic securitisation
Three reforms to strengthen the Banking Union and the euro area
Speech at ECON hearing on TTIP and Financial Services Regulation
Open letter to Pierre Moscovici on French banking reform
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