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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13 PUBLICATIONS

Speech

Finalising Basel III to serve the European economy (ECON Hearing on the Basel III “Finalisation Package”)

At the ECON Hearing on the Basel III “Finalisation Package” on 31st March 2022, Finance Watch’s Chief Economist, Thierry Philipponnat, called for a faithful implementation of the Basel III framework and to adapt it to take into account climate change related risk at Pillar 1 level (video here).
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)
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 implementing the final BASEL III reforms in the EU

Position paper

How can safer banks hurt the EU economy?

Finance Watch publishes a critical analysis of a report on the EU implementation of the final Basel III framework by Copenhagen Economics for the European Banking Federation. It aims at balancing the public debate around the importance of sufficient capital requirements for the benefit of European societies and economies.
Consultation response

Consultation response on EBA’s proposals for a STS framework for synthetic securitisation

Position paper

Three reforms to strengthen the Banking Union and the euro area

As a complement to a hearing held on 7 November 2019 by MEP Pedro Marques as rapporteur for the Banking Union Annual Report, Finance Watch published a technical brief on the financial architecture of the Euro Area.
Speech

Speech at ECON hearing on TTIP and Financial Services Regulation

Finance Watch’s Secretary General, Thierry Philipponnat, gave evidence at the European Parliament’s ECON Committee public hearing on “The Transatlantic Trade and Investment Partnership (TTIP) and Financial Services Regulation”.
Open letter

Open letter to Pierre Moscovici on French banking reform

In an open letter sent yesterday to the French finance Minister, Pierre Moscovici,Finance Watch warns that the draft bank reform would fail to deliver President Hollande’s pledge to separate the credit activities of banks from their trading activities.
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