European banks are facing unprecedented financial crisis, supervision of the implementation of the n 泊小豆

European banks are facing unprecedented financial crisis, supervision of the implementation of the new deal is still Huitong striking one snag after another news network February 11th – in recent weeks for European banks is not calm, the European banking sector shares have tumbled by nearly 1/4 since the beginning of 2016. In the global market turmoil, investors are worried that European banks continued high debt accumulation, the crude oil market struggling and Chinese economic slowdown, to sell the bank stocks. The financial and economic crisis that rocked Europe in the 2008 is still fresh in mind. Due to the accumulation of private and government debt, the banking sector in Europe subsequently plunged into serious financial difficulties. Therefore, once the economy goes into recession, European banks will find it difficult to raise money, and in some cases even difficult to fill their cash needs. Since before the financial crisis, the European authorities have been working on how to improve the supervision of the lender, failure and improve regulatory measures, how to quell the storm or safety exit. However, due to various obstacles, some regulatory plans have not yet been established. The EU Member States to the European Central Bank will then submit the relevant regulatory measures, but will hinder the profitability of banks in a large extent, but still very intense debate in the industry. CNBC examination of the EU has taken, to prevent the 19 members of the EU banking crisis measures, draw the following conclusions: to solve the problem of the eurozone debt crisis and bank bankruptcy after the establishment of a single resolution mechanism, its purpose is to solve the problem of banks on the verge of collapse, the lowest the impact of the tax payment for the minimum cost and people. All euro zone countries are required to attend a modified mechanism, but do not know whether it will succeed, because this mechanism only in January this year for the full implementation of. According to the plan, the bank resolution may include unsecured depositors or primary creditors in the next eight years, including the banking industry to make donations to build emergency rescue fund. The strengthening of regulatory single regulation means that the European Central Bank is now responsible for about 6000 banks throughout the euro area. The purpose of this mechanism is to ensure that banks comply with all European banking rules and to solve the problems existing in banks as soon as possible. The central bank directly monitors the 129 largest banks, and allows regulators to monitor smaller banks. These larger banks, including Deutsche Bank, the French bank of Paris and the Holland commercial bank, are regarded as the backbone of the entire euro zone financial system. The central bank will cooperate with the European Banking authority with the importance of the banking system of EBA bank stress tests, including those that do not use the euro EU countries. This test is expected to be launched at the end of February, and will assess the ability to meet the required bank capital ratios under the financial crisis. The banks tested included 53 banks in the European Union, equivalent to 70% of all banks in the European union. The last EBA stress test took place in 2014, but it was criticized for not being harsh enough. Last time, 123 banks were tested

欧洲银行面临空前资金危机,监管新政推行仍一波三折   汇通网2月11日讯——最近几个星期对欧洲银行来说不平静,欧洲银行板块股价自2016年年初以来已暴跌了近四分之一。在全球市场动荡之际,投资者们担心欧洲银行高债务持续累计、原油市场苦苦挣扎以及中国经济放缓,从而抛售银行类的股票。   从2008年震撼欧洲的金融和经济危机在人们的心目中仍记忆犹新。由于私人和政府债务不断累积,令欧洲的银行业随后陷入严重的资金困境。 因此,一旦经济进入衰退,欧洲银行就会发现很难筹集资金,在某些情况下,甚至很难填补其现金需求。   由于之前的金融危机,欧洲当局一直以来致力于研究如何提高对放款人的监管,以及提高监管措施失败后,如何平息风波或安全退出。然而,受制于种种阻碍,一些监管计划至今还未创立。欧盟各成员国此后仍将向欧洲央行提交有关监管措施,但相关将在多大程度上妨碍银行盈利能力,却仍然在业内很激烈的争论。   CNBC检查了欧盟目前已采取的,旨在阻止19个欧盟成员国银行陷入危机的措施,得出了一下几点结论:   解决银行破产的问题   欧元区债务和银行危机发生后建立了单一的决议机制,其目的是在将来解决银行濒临倒闭的问题,通过最低的成本和对于税收支付人的最小冲击。   所有欧元区国家都被要求参加改机制的订立,但是不知道其是否会成功,因为该机制仅在今年1月份进行了全面实行。   根据计划,银行决议可能包括无担保储户或初级债权人参与,还包括未来八年银行业的捐款建立的紧急救助基金。   加强监管   单一的监管机制意味着欧洲中央银行现在负责整个欧元区大约6000家银行。该机制的目的是确保银行遵守全欧洲银行业规则,并尽早解决银行内部存在的问题。   中央银行直接监督129家最大的银行,并允许各国监管机构监控较小的银行。这些较大的银行包括德意志银行、法国巴黎银行和荷兰商业银行等被视为整个欧元区金融系统支柱的银行。   中央银行将与欧洲银行管理局合作对银行系统具有重要性的银行进行EBA压力测试,包括那些不使用欧元的欧盟国家。   今年的测试预计将在2月底推出,并将评估银行在金融危机的情况下满足所需资本比率的能力。这些接受测试的银行包括欧盟内的53家银行在欧洲联盟,相当于占整个欧盟地区所有银行的70%。   最后一次的EBA压力测试发生在2014年,但是受到指责其不够严厉的批评。上次,123家接受测试的银行中约25家银行没有通过测试,其中包括希腊国家银行、比利时的德克夏银行和意大利民众银行。   泛欧储蓄保险计划   欧洲官员计划采取进一步措施以保护银行储户利益。   去年11月,欧洲官员提出了类似于美国联邦存款保险公司的泛欧元区计划,其目的是保障达10万欧元的银行存款。然而,德国一直反对推行该计划,表示德国不想其储户为其他国家的银行的债务负责,直到整个欧盟地区的金融风险达到最小化。   也有人担心,这样一个基金将鼓励银行认为,如果没有这种安全网,银行可以承担更大的风险。   英国的经济事务研究所的研究员祖卢亚加(Diego Zuluaga)表示,有人怀疑, 通过将强大的银行系统和弱的系统结合起来能导致更大的风险。如果该计划能带来丰硕果实,这项计划将在欧元区国家强制推行,但是对于英国这个属于欧盟但是不使用欧元的国家来说,仍将是可选可不选。 进入【新浪财经股吧】讨论相关的主题文章:

« »

Comments closed.