...
  • 主题
高级搜索  >
历史搜索 清空历史
首页> 外文期刊>Bloomberg business week >Europe's New Mistake On Failing Banks
【24h】

Europe's New Mistake On Failing Banks

机译：欧洲在失败的银行的新错误

获取原文
获取原文并翻译 | 示例
           
页面导航
  • 摘要
  • 著录项
  • 相似文献
  • 相关主题

摘要

Three years after their banking union began to take shape, European Union regulators are seeking fresh powers to deal with lenders in trouble. Their plan would let them stop withdrawals from a failing bank for a few days while they address the problem, with the aim of preventing a run. But this approach could easily have the opposite effect, spreading panic to the whole financial system. There's a better way.Instead of freezing bank accounts, EU governments should enable regulators to keep a bank going while they restructure it and search for a new owner. This will require EU governments to commit additional resources to the task.The European Central Bank and the euro zone's Single Resolution Board have been calling for the power to freeze bank accounts-a so-called moratorium-since the swift resolution of Banco Popular in June. They succeeded in winding downthe troubled Spanish lender by selling it to rival Banco Santander SA but had to do it on a weekday night with a run on deposits in progress. The regulators say that next time it might be impossible to find a buyer overnight. A moratorium would relieve that pressure and perhaps allow them to sell the bank at a better price.This approach would mirror an arrangement already in place in Germany that holds a superficial appeal: Closing a bank would certainly stop a run. But it could have the unintended consequence of spurring depositors to run from a bank in trouble sooner-fearing that if they wait too long they may not be able to withdraw their money. It could also lead depositors to empty their accounts as soon as the bank reopens. Most dangerous of all, freezing accounts in one bank could spread panic to the rest of the system, as other depositors fear the same will happen to them.
机译：在银行业联盟开始以塑造之后三年，欧盟监管机构正在寻求新的力量来处理诸如遇到麻烦的贷方。他们的计划会让他们在解决问题的同时停止从失败的银行退出，以防止运行。但这种方法很容易具有相反的效果，对整个金融体系传播恐慌。有更好的方法。欧盟政府而不是冻结银行账户，而不是冻结银行账户，应使监管机构能够在重组它并搜索新所有者时保持银行。这将要求欧盟各国政府向任务提供额外资源。欧洲中央银行和欧元区的单一决议委员会一直在呼吁冻结银行账户的权力 - 这是一个所谓的暂停 - 自6月份的Banco欢迎以来。他们成功地蜿蜒来了令人困惑的西班牙语贷方通过将其销售给竞争对手Banco Santander Sa，但必须在平日晚上在持续上存款的工作日晚上进行。监管机构说，下次在一夜之间找买家可能是不可能的。暂停将减轻压力，也许允许他们以更好的价格出售银行。这种方法将镜像已经在德国的一个安排持有一个肤浅的上诉：关闭银行肯定会停止运行。但它可能有刺激存款人从银行逃跑的意外后果甚至令人担忧，如果他们等待太久，他们可能无法撤回他们的钱。它还可以通过银行重新打开，引导存款人清空其帐户。最危险的一部分，一家银行的冰冻账户可以将恐慌蔓延到其余的系统中，因为其他存款人担心它们会发生同样的恐惧。

著录项

  • 来源
    《Bloomberg business week》 |2017年第4542期|14-14|共1页
  • 作者

  • 作者单位
  • 收录信息
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

相似文献

  • 外文文献
  • 中文文献
  • 专利
获取原文

客服邮箱：kefu@zhangqiaokeyan.com

京公网安备：11010802029741号 ICP备案号：京ICP备15016152号-6 六维联合信息科技 (北京) 有限公司©版权所有

  • 客服微信

  • 服务号