Banking Regulation and Bank Lending in the EU
The chapter analyses the impact of the new EU regulations on credit provision. While many studies analysed the impact of capital regulations on lending, not much attention has been devoted to the role of other regulatory aspects in shaping credit expansio
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Katarzyna Sum
Post-Crisis Banking Regulation in the European Union
Katarzyna Sum
Post-Crisis Banking Regulation in the European Union Opportunities and Threats
Katarzyna Sum Warsaw School of Economics Poland
ISBN 978-3-319-41377-8 ISBN 978-3-319-41378-5 DOI 10.1007/978-3-319-41378-5
(eBook)
Library of Congress Control Number: 2016953881 © The Editor(s) (if applicable) and The Author(s) 2016 This work is subject to copyright. All rights are solely and exclusively licensed by the Publisher, whether the whole or part of the material is concerned, specifically the rights of translation, reprinting, reuse of illustrations, recitation, broadcasting, reproduction on microfilms or in any other physical way, and transmission or information storage and retrieval, electronic adaptation, computer software, or by similar or dissimilar methodology now known or hereafter developed. The use of general descriptive names, registered names, trademarks, service marks, etc. in this publication does not imply, even in the absence of a specific statement, that such names are exempt from the relevant protective laws and regulations and therefore free for general use. The publisher, the authors and the editors are safe to assume that the advice and information in this book are believed to be true and accurate at the date of publication. Neither the publisher nor the authors or the editors give a warranty, express or implied, with respect to the material contained herein or for any errors or omissions that may have been made. Cover illustration: © Mark Sykes / Alamy Stock Photo Printed on acid-free paper This Palgrave Macmillan imprint is published by Springer Nature The registered company is Springer International Publishing AG Switzerland
Contents
1
Theoretical Aspects of Banking Regulation
1
2
Basel III: Assessment of the Guidelines for Regulatory Reform
41
Post-Crisis EU Banking Regulation: Assessment and Challenges to Implementation
75
3
4
5
6
Bank Governance in the EU: A Substitute or Complement of Banking Regulation?
133
The Factors Influencing the EU Banking Regulatory Framework: Impediments for the New Regulations
169
Banking Regulation and Bank Lending in the EU
209
Summary and Conclusions
251
Index
257 v
List of Abbreviations
AIFM AIFMID BCBS BRRD CDS CoCos CRD CRM CRO CRR CVaR DGS DGSD EBA EC ECB ECOFIN EDIS EFP EFSF EFSM EIB EMIR ESA
Alternative Investment Fund Managers Alternative Investment Fund Managers Directive Basel Committee of Banking Supervision Bank Recovery and Resolution Directive Credit Default Swap Contingent Convertible Bonds Capital Requirements Directive Comprehensive Risk Measure Chief Risk Officer Capital Requirements Regulation Conditional Value at Risk Deposit Guarantee Schemes Deposit Guarantee Schemes Directive European Banking Authority European Commission European Central Bank Economic and Financial Affairs Council European Deposit Insurance Scheme Employee Financial Participation European Financial Stability Facility European Financial Stabilisation Mechanism Euro
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