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Convergence and Integration of Banking Sector Regulations in the Euro-Mediterranean area | |
Emrah Arbak; Rym Ayadi; Willem Pieter De Groen | |
发表日期 | 2013-03-19 |
出版年 | 2013 |
语种 | 英语 |
摘要 | This analysis of regulatory convergence shows that substantial improvements have been made in the southern and eastern Mediterranean countries (SEMCs), yet they still suffer from key weaknesses in deposit insurance, entry obstacles, political interference and the strength of legal rights. In particular, deposit insurance systems in many SEMCs are not explicit, which could lead to uncertainties in the provision of support to banks in case of default. Moreover, most systems do not attempt to align the banks’ incentives in risk-taking with those of taxpayers by implementing risk-based premiums. Another persistent issue is the presence of entry obstacles, with signs of substantial barriers to entry and continued government ownership of banks. The comparison of regulatory systems also highlights that some SEMCs have barely been able to catch up with the strong increase in supervisory independence in EU Mediterranean countries in recent years. While creditor protection remains relatively weak, significant improvements in credit information have occurred since 2003, notably through the establishment of private credit bureaus with universal coverage. Rym Ayadi is Senior Research Fellow at the Centre for European Policy Studies (CEPS) in Brussels and Coordinator of the MEDPRO project, Emrah Arbak was a Researcher at CEPS and Willem Pieter De Groen is a Researcher at CEPS. |
URL | https://www.ceps.eu/publications/convergence-and-integration-banking-sector-regulations-euro-mediterranean-area |
来源智库 | Centre for European Policy Studies (Belgium) |
资源类型 | 智库出版物 |
条目标识符 | http://119.78.100.153/handle/2XGU8XDN/64587 |
推荐引用方式 GB/T 7714 | Emrah Arbak,Rym Ayadi,Willem Pieter De Groen. Convergence and Integration of Banking Sector Regulations in the Euro-Mediterranean area. 2013. |
条目包含的文件 | ||||||
文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
MEDPRO%20TR34%20Conv(394KB) | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 |
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