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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19 PUBLICATIONS

Consultation response

Response to the European Commission’s consultation on State Aid for Banks in Difficulty

Policy brief

Policy brief: “Cracks in the pillars – Financial stability loses out in the EU’s Basel III endgame”

Finance Watch’s analysis of the Banking Package 2021 shows how it fails to do justice to the Basel III cycle of post-crisis reforms and continues to leave European banks insufficiently capitalised, and taxpayers exposed.
Consultation response

Improving the EU Macroprudential Framework for the Banking Sector (Consultation response)

Consultation response

Consultation response on the Review of the Crisis Management and Deposit Insurance framework (CMDI)

Consultation response

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

Speech

Public hearing on EU Banking Package at German Bundestag

On 28 October 2020, Finance Watch participated in a public hearing at the German Bundestag Finance Committee on the implementation of the EU Banking Package.
Consultation response

Response to the FSB consultation on the evaluation of the effects of “too-big-to-fail” reforms

Speech

Hearing at the Bundestag on the finalisation of the Basel III framework

Covid-19 looks set to become the banking sector’s most powerful argument yet to demand a wholesale roll-back of the Basel III framework.
Report

Report: “#10yearsAfter – Back to Business as Usual”

In its comprehensive analysis of post-crisis regulation, Finance Watch demonstrates that the opportunity for a fundamental realignment of the global financial sector has been missed and that none of the structural vulnerabilities that led to the financial crisis of 2008 have been tackled in a decisive way.
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”.
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