\n\u00cen virtutea acestui mecanism, BCE va supraveghea direct, \u00eenc\u0103 \u00eencep\u00e2nd din noiembrie acest an, b\u0103ncile din zona euro \u015fi din restul \u0163\u0103rilor UE care decid s\u0103 se al\u0103ture uniunii bancare europene, av\u00e2nd puterea de a decide \u00eenchiderea oric\u0103rei b\u0103nci dac\u0103 apreciaz\u0103 c\u0103 respectiva institu\u0163ie este prea slab\u0103 spre a supravie\u0163ui. Acordul limiteaz\u0103 posibilitatea \u0163\u0103rilor europene de a contesta deciziile BCE.<\/p>\n
\n\u00cen ipoteza unei crize bancare unde ac\u0163ionarii, creditorii \u015fi industria bancar\u0103 nu pot acoperi singuri costurile, 40% din costurile de finan\u0163are a fondului comun de restructurare bancar\u0103 vor fi \u00eemp\u0103r\u0163ite \u00eentre \u0163\u0103rile membre ale uniunii, pondere care va urca la 60% \u00een al doilea an \u015fi la 70% \u00een anul al treilea, urm\u00e2nd ca \u00eemp\u0103r\u0163irea total\u0103 a costurilor s\u0103 fie realizat\u0103 \u00een al optulea an. Valoarea fondului va fi de numai 55 mld. euro, sursele de finan\u0163are urm\u00e2nd s\u0103 fie taxe aplicate industriei bancare \u015fi \u00eemprumuturi. Germania s-a opus, astfel, dorin\u0163ei exprimate de Fran\u0163a \u015fi Spania ca resursele fondului s\u0103 fie acoperite din contribu\u0163ia \u0163\u0103rilor zonei euro.<\/p>\n
\nUnii anali\u015fti ai b\u0103ncilor au prefa\u0163at discu\u0163iile cu PE suger\u00e2nd c\u0103 acesta este “necooperant” – cu alte cuvinte, c\u0103 a rezistat ferm ideii de \u00eenfiin\u0163are a unui fond din bugetele publice care s\u0103 suporte costul falimentelor bancare. Germania a fost \u00eens\u0103 cea care a rezistat acestei idei, o idee care ini\u0163ial ar fi urmat s\u0103 stea la baza uniunii bancare europene. O alt\u0103 idee ini\u0163ial\u0103 a uniunii pierdut\u0103 pe parcurs a fost aceea a protec\u0163iei comune a depozitelor bancare.<\/p>\n","protected":false},"excerpt":{"rendered":"
Mini\u015ftrii de finan\u0163e europeni \u015fi Parlamentul European au ajuns la un acord privind mecanismul unitar de reglementare a crizelor bancare, destinat s\u0103 pun\u0103 cap\u0103t salv\u0103rii b\u0103ncilor cu bani publici \u015fi care va intra \u00een vigoare la 1 ianuarie 2015.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[7267,8830,12834,182,7136,7605,7581,10923,349,28055,13242],"class_list":["post-105373","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-bce","tag-creditori","tag-criza","tag-finante","tag-parlamentul-european","tag-restructurare","tag-salvare","tag-ue","tag-uniune-bancara","tag-zona-euro"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/105373","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=105373"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/105373\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=105373"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=105373"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=105373"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}