Unknown Future of the Banking Union’s Third Pillar

Klaudia Zielińska
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引用次数: 1

Abstract

The aim of the article is to evaluate the process of building the third pillar of the banking union. The analysis of the problem required both subject literature studies and descriptive statistics. Time scope of the analysis covers the years 2012 until 2017. The relevant data used came from the European Central Bank and the European Banking Authority. The results of the study suggest that the creation of a European Deposit Guarantee Scheme is inevitable for further financial integration in the Eurozone but more detailed conditions need to be added to its implementation plan in order to have the scheme established. This stems from both the bad financial standing of some of the euro area banks and their dependency on the sovereign debt of their home and host countries. Studies also indicate low operational readiness of the national schemes, so a transition from re-insurance onto co-insurance phase will require increased efforts of both the Member States and the banks themselves.
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银行业联盟第三支柱的未知未来
本文的目的是评估建立银行业联盟第三支柱的过程。问题的分析需要主题文献研究和描述性统计。分析的时间范围为2012年至2017年。相关数据来自欧洲中央银行和欧洲银行管理局。研究结果表明,建立欧洲存款担保计划对于欧元区进一步的金融一体化是不可避免的,但为了使该计划得以建立,需要在其实施计划中添加更详细的条件。这既源于一些欧元区银行糟糕的财务状况,也源于它们对母国和东道国主权债务的依赖。研究还表明,国家计划的业务准备程度较低,因此从再保险阶段过渡到共同保险阶段将需要会员国和银行本身作出更大的努力。
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自引率
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发文量
5
审稿时长
8 weeks
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