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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4 PUBLICATIONS

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.
Policy brief

“’Would you mind holding this for me?’ The (increasingly desperate) search for an answer to Europe’s NPL problem”

Brussels, 8 June 2018 – Finance Watch published today a detailed analysis of the European Commission’s package to tackle Non-Performing Loans (NPL): “’Would you mind holding this for me?’ The (increasingly desperate) search for an answer to Europe’s NPL problem”.
Consultation response

Consultation response on secondary markets for non-performing loans

Speech

Speech at Financial Stability Conference 2017

Berlin, 18 October 2017 – Ten years after the onset of the most serious financial crisis in recent history, the EU’s financial framework is still not consistent and needs to be further strengthened to ensure financial stability. Further reforms to improve the resilience of the banking sector are still needed to turn the current cyclical recovery into a sustainable structural recovery.

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