

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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- Aleksandra Palinska
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- Peter Norwood
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- The European Consumer Organisation (BEUC)
- The Finance Watch team
- Private: Thierry Philipponnat
- Thomas Larible
18 PUBLICATIONS



Our letter to the EBA on top official’s alleged move to lobbying organisation


Reform of the European Supervisory Authorities and financial consumer protection


Financial Regulation challenged by European Trade Policy


Joint Statement: ECON’s draft report on the review of the European Financial Supervisors


Finance Watch Blueprint on the European System of Financial Supervision


Proposal for the EU financial supervisory reform – Open letter


Comment on the final report of the European Commission’s Expert Group on Corporate Bonds


Consultation response on secondary markets for non-performing loans


Finance Watch response to the public consultation on the Europe 2020 strategy


Finance Watch note “Too-big-to-fail in the EU”

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