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Das europäische Bankensystem: Bestandsaufnahme und Herausforderungen

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  • Isabel Schnabel

Abstract

We discuss the current state of the European banking system and the major challenges for the future. The low interest rate environment may give rise to asset price bubbles and interest rate risk, which should be counteracted by macroprudential regulation. Overcapacities in banking should be reduced by resolving banks that do not pass the ECB’s comprehensive assessment. The link between banks and sovereigns could be alleviated by reforming the regulatory treatment of government bond holdings and by establishing a credible backstop for the Single Resolution Mechanism. Finally, the fragmentation of the European financial system may be tackled through greater harmonisation and by improving resolution procedures for cross-border banks. Copyright ZBW and Springer-Verlag Berlin Heidelberg 2014

Suggested Citation

  • Isabel Schnabel, 2014. "Das europäische Bankensystem: Bestandsaufnahme und Herausforderungen," Wirtschaftsdienst, Springer;ZBW - Leibniz Information Centre for Economics, vol. 94(1), pages 6-10, February.
    • Handle: RePEc:spr:wirtsc:v:94:y:2014:i:1:p:6-10
    DOI: 10.1007/s10273-014-1643-4
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    Cited by:

    1. Smeets Heinz-Dieter & Schmid Anita, 2014. "Europäische Staatsschuldenkrise, Lender of last resort und Bankenunion / European sovereign debt crisis, lender of last resort and banking union," ORDO. Jahrbuch für die Ordnung von Wirtschaft und Gesellschaft, De Gruyter, vol. 65(1), pages 47-74, January.
    2. Claudia Lambert, 2014. "Die Verbindung zwischen Staats- und Bankrisiken: wie kann man diese entkoppeln?," DIW Roundup: Politik im Fokus 11, DIW Berlin, German Institute for Economic Research.
    3. Pfingsten Andreas & Claußen Catharina & Maidl Christoph & Woyand Corinna, 2017. "Rolle rückwärts zugunsten der Bankenindustrie – Die neuen Basler Regelungen für das Zinsänderungsrisiko im Anlagebuch," Perspektiven der Wirtschaftspolitik, De Gruyter, vol. 18(1), pages 86-96, April.

    More about this item

    Keywords

    G21; G28;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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