Author
Listed:
- Georges S. Zawos
- Jean-Jacques Burgard
Abstract
[eng] The European banking act . The second banking coordination directive (European banking act) which was proposed by the European Communities commission is the centrepiece of a strategy based on the treaty of Rome and the White paper. It appears at a crucial moment for the banking and financial european and international markets. This instrument aims at the creation of a unified banking market, based on the principle of mutual recognition of standards regarding the financial stability of banks and a single banking licence valid throughout the Community. Besides enhancing competition, this directive reinforces the rules of prudential supervision by harmonising the essential licencing conditions. It is thus closely linked with a series of community initiatives in the field of prudential supervision (own funds, solvency ratio, large exposures and deposit guarantee schemes) and the process of liberalisation of capital movements. This new strategy will have important repercussions on the financial market structure of the member states. [fre] La Deuxième directive de coordination bancaire (Acte bancaire européen) proposée par la Commission des Communautés européennes, est la pierre angulaire d'une stratégie fondée sur le traité de Rome et le Livre blanc. Elle intervient à un moment crucial pour le système bancaire et les marchés financiers, tant européens qu'internationaux. Elle a pour but la création d'un marché bancaire unifié, articulé autour du principe de la reconnaissance mutuelle de normes de stabilité financière des banques et d'un agrément bancaire unique reconnu à travers la Communauté. Au-delà de la stimulation de la concurrence, cette directive renforce les règles du contrôle bancaire par l'harmonisation des conditions de base de l'agrément bancaire. Elle est ainsi intimement liée à d'autres initiatives communautaires dans le domaine du contrôle bancaire (fonds propres, ratios de solvabilité, grands risques et systèmes de garantie de dépôts) et au processus de libéralisation des mouvements de capitaux. Cette stratégie nouvelle aura des répercussions importantes sur la structure des marchés financiers des États membres.
Suggested Citation
Georges S. Zawos & Jean-Jacques Burgard, 1988.
"L'Acte bancaire européen : objectifs et conséquences,"
Revue d'Économie Financière, Programme National Persée, vol. 4(1), pages 52-67.
Handle:
RePEc:prs:recofi:ecofi_0987-3368_1988_num_4_1_5536
DOI: 10.3406/ecofi.1988.5536
Note: DOI:10.3406/ecofi.1988.5536
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