Deposit Guarantee Schemes: A European Perspective by F. Arnaboldi

By F. Arnaboldi

Arnaboldi highlights the significance of 1 of the 3 pillars of the Banking Union, the typical mechanism for insuring deposits. She claims that built-in monetary markets require a eu resolution in regards to deposit coverage and that the institution of a pan-European scheme may handle the issues for big cross-border banks.

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The inner circle The inner circle includes the regulation on the Single Supervisory Mechanism and the proposals for the Single Resolution Mechanism and the Single Bank Resolution Fund, which is the most advanced stage of the overall European banking union project. These topics are covered in the next chapter because of the strict link between the resolution framework for banking crisis and the coverage offered by national deposit guarantee schemes to depositors in the case of bank failure. 0009  Deposit Guarantee Schemes banking union.

Considering the equity markets, where the impact of the crisis has been limited, progress has been made in the integration of the euro area. Cross-border holdings are not displaying significant discrimination with regard to the country of origin. Also, national stock price indices seem to be reacting without an overwhelming country-specific influence (European Central Bank, 2012). 0010  Deposit Guarantee Schemes 15 years. 3 below, structural indicators for the 18 euro area countries are reported.

In addition, the initial stress testing of banks and the capital raising exercise were conducted in 2011 without any clear backstop for solvent banks. As a consequence, many banks and some governments found increasingly difficult to access financial markets. Thus, instead of acting as a shock absorber, they began to act procyclically. The second issue is the negative interaction with two features of the euro area’s institutional structure, that is the incomplete financial integration, and the fiscal framework, which was not strictly enforced.

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