ES šalių bankų sektorių pažeidžiamumo vertinimas vieningo bankų reguliavimo mechanizmo kūrimo kontekste

Abstract

In order to eliminate the drawbacks of supervision and to increase the stability of the financial system, EU decided to create the single supervisory mechanism, which will carry the supervision of banks both on national and international level. However, EU banking system is highly fragmented and diversified; there also exists differences of the financial systems, effective supervision and the economic situation of countries. Therefore, the aim of this work is to disclose the characteristics of functioning and to assess the fragility of the EU banking sectors when seeking effective working of the single supervisory mechanism. In the first part of this work, the theoretical aspects of banks fragility and single supervisory mechanism are analyzed. In the second part of this study, the method of empirical research is prepared: the countries and their banks are selected and the methods and criterions of the EU banks fragility assessment are given. In the third part of this work, the results of empirical research are presented. The results of the analysis indicate that there exist significant differences in terms of banks development, risk limiting standard, activity indicators and fragility level, which may initially prevent single supervisory framework from effective functioning. In order to assure Union’s banking system stability and efficiency of supervision, single rulebook for banks is essential. However, it’s important to maintain some flexibility, using multi-level regulatory mechanism.