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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32 PUBLICATIONS

Speech

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)

At the ECON Hearing on Solvency II and IRRD, Finance Watch calls for a symetric approach to risk assessment, adapting insurance companies’ capital requirements linked to fossil fuel exposures and creating a resolution funding mechanism to avoid the transfer of losses to policyholders and taxpayers in case of failure (video here)
Consultation response

Consultation response on the review of prudential rules for insurance and reinsurance firms (Solvency II Directive)

Speech

Tackling non-performing loans in the aftermath of the Covid-19 pandemic

A statement provided by Finance Watch Head of Research and Advocacy Thierry Philipponnat  at the European Economic and Social Committee hearing on 15 February 2021.
Consultation response

Response to EU Commission on review of Alternative Investment Fund Managers Directive (AIFMD)

Consultation response

Consultation response on the review of Solvency II

Consultation response

EIOPA consultation on resolution funding and national IGSs

Position paper

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

Finance Watch and BETTER FINANCE comment on the final report of the European Commission’s Expert Group on Corporate Bonds
Report

The Capital Markets Union and sustainability: recommendations for the mid-term review

This new report from six civil society groups (WWF, E3G, Finance Watch, Friends of the Earth Europe, ShareAction and actionaid) recommends ways to integrate sustainability goals in the Capital Markets Union, in response to the Commission’s mid-term review of the CMU.
Consultation response

Response to the EC’s public consultation on the CMU mid-term review 2017

Consultation response

Response to the EC’s consultation on the “Review of the EU Macroprudential Policy Framework”

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