欧洲银行业联盟研究

发布时间：2018-06-20 11:06

本文选题：欧洲银行业联盟 + 银行单一监管机制　；参考：《外交学院》2014年硕士论文

【摘要】：作为当今世界上一体化程度最高的区域政治、经济集团组织，欧盟的发展一直受到了全球的广泛关注。受全球金融危机以及欧洲主权债务危机影响，欧洲银行业也陷入困境。为救助受困银行，各国政府、欧洲中央银行等采取了注资、扩大合格抵押品范围等措施救市，，但这些措施仅是权宜之计。为从根源上解决危机问题，维护金融系统稳定，欧盟提出建立欧洲银行业联盟。欧洲银行业联盟由银行单一监管机制、银行单一清算机制以及共同存款担保机制三大支柱构成。本文将以欧洲银行业联盟为核心，分析欧洲银行业联盟三大支柱的核心内容以及最新进展情况，指出银行业联盟在打破银行同国家主权之间的负反馈效应、防止金融市场分化及保护储户和纳税人利益等方面发挥了积极作用。此外，本文还分析了在理想状态下建立欧洲银行业联盟所需考虑的诸如参与国问题、银行覆盖问题、欧洲中央银行双重身份问题、财政支持问题等细节问题。尽管面临重重困难，但在德法等国的积极推动下，欧洲银行业联盟的建成指日可待。欧洲银行业联盟的建立将有助于促进欧盟一体化进程、巩固欧洲货币联盟，并对维护欧洲金融系统稳定具有重要影响。
[Abstract]:As the most integrated regional politics and economic group in the world, the development of European Union has been paid more and more attention all over the world. Affected by the global financial crisis and the European sovereign debt crisis, European banks are also in trouble. Efforts to rescue troubled banks, governments, the European Central Bank, and other measures such as injecting capital and expanding the range of eligible collateral were only temporary measures. In order to solve the crisis and maintain the stability of the financial system, the European Union proposed the establishment of a European banking union. The European Banking Union consists of three pillars: a single regulatory mechanism for banks, a single clearing mechanism for banks and a common deposit guarantee mechanism. This paper will take the European Banking Union as the core, analyze the core contents and recent developments of the three pillars of the European Banking Union, and point out the negative feedback effect of the banking union in breaking the relationship between banks and national sovereignty. Prevention of financial market differentiation and protection of depositors and taxpayer interests and other aspects played an active role. In addition, this paper also analyzes the details such as participating countries, bank coverage, dual identity of the European Central Bank, financial support and so on, which need to be considered in the ideal situation for the establishment of a European banking union. Despite the difficulties, the completion of a European banking union is within reach, driven by countries such as Germany and France. The establishment of a European banking union will help to promote the integration of the European Union, consolidate the European Monetary Union and have an important impact on the stability of the European financial system.
【学位授予单位】：外交学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F835

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