selection

financial institutions

This tag is associated with 8 posts

Amending the bank resolution framework – BRRD and SRMR [EU Legislation in Progress]

Written by Carla Stamegna (2nd edition, updated on 28.6.2019), In May 2019, the European Parliament and the Council adopted the proposals amending the EU legislative framework on bank resolution, consisting of the Banking Recovery and Resolution Directive, and the Single Resolution Mechanism Regulation. Resolution is the restructuring of a bank which is failing or likely … Continue reading

Amending capital requirements: The ‘CRD-V package’ [EU Legislation in Progress]

Despite significant progress since the financial crisis of 2007-2008, the overhaul of the financial regulatory framework remains a European Commission priority. Continue reading

The case for a European public credit rating agency

Written by Christian Scheinert, The ‘Big Three’ credit rating agencies – Standard & Poor’s, Moody’s, and Fitch – enjoy an oligopolistic position on the market for the rating of private and public debt. In the run-up to the financial crisis, we now know, they were over-optimistic with their ratings, but once the crisis hit, their … Continue reading

Crowdfunding – an alternative financing option for SMEs

Written by Agnieszka Widuto The economic and financial crisis has significantly reduced banks’ lending to businesses. This gap in financing, coupled with the rise of social media and interactive online platforms, has contributed to the increased popularity of crowdfunding as a possible alternative source of funding. In this context, the European Commission adopted a communication … Continue reading

Reforming the structure of the EU banking sector

Written by Marcin Szczepanski The financial and economic crisis has been marked by the ‘Too big to fail’ problem – a number of financial institutions of a size large enough to pose a systemic problem to the economy required public support to continue operations. According to economic research this has led to implicit subsidies and a distortion of … Continue reading

Legislative package on shadow banking

In its 2012 own initiative report the European Parliament endorsed the following definition of shadow banking: “a system of intermediaries, instruments, entities or financial contracts generating a combination of bank-like functions but outside the regulatory perimeter or under a regulatory regime which is either light or addresses issues other than systemic risks, and without guaranteed … Continue reading

Reforming European banks’ structures

6 language versions available in PDF format La riforma delle strutture bancarie europee Reforma struktury banków europejskich La reforma de la estructura de los bancos europeos Reform der Struktur der europäischen Banken Reforming European banks’ structures La réforme des structures bancaires Complementing ongoing regulatory reforms in the European banking sector, the EU has started to … Continue reading

Regulating bankers’ bonuses

Bankers’ bonuses have been under debate with the review of the Capital Requirements Directive (CRD IV). The Directive, meant to regulate the amount of capital banks hold, already includes guidelines on the remuneration of bankers, but the European Parliament has sought to introduce a fixed cap on bankers’ variable pay proportionate to their fixed pay. … Continue reading

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