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Procedura : 2015/0226(COD)
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Debaty :

PV 25/10/2017 - 14
CRE 25/10/2017 - 13

Głosowanie :

PV 26/10/2017 - 10.3

Teksty przyjęte :


Środa, 25 października 2017 r. - Strasburg Wersja tymczasowa

13. Ramy dla prostych, przejrzystych i standardowych sekurytyzacji - Wymogi ostrożnościowe dla instytucji kredytowych i firm inwestycyjnych (debata)
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  Dariusz Rosati (PPE ). – Mr President, Commissioner, securitisation is a measure that allows for the transformation of illiquid financial assets into fully tradable financial instruments. In this way, asset-backed securities deepen the liquidity or financial markets and increase the capacity of banks to extend more credit. Moreover, they allow the risk and term structure of available marketable financial instruments to better adjust to the different risk preferences of individual investors. In this sense, securitisation is able to contribute to financial stability and the more efficient allocation of resources across the economy. However, securitisation may carry also risks. Investors may not have access to full information about the underlying assets and their quality. Securitisation may also involve deals that are overly complex and even opaque.

This may result in excessive risk taking by investors and may lead to accumulation of systemic risk in the entire financial sector. The idea behind the two legislative measures we are discussing today is to reduce these risks and to promote a safe and liquid market for securitisation in the EU. Firstly, the regulation strengthens requirements for due diligence and imposes minimal risk-retention standards to ensure that banks retain a net material interest in asset-backed securities they issue. Secondly, there is a ban on re-securitisation. Thirdly, all underlying documentation relevant for any transaction is made readily available to investors. Fourthly, the crucial amendment to the CRR ensures that the capital treatment of securitisation for banks better reflects the risks involved.

Mr. President, I would like to express my thanks to both rapporteurs and to the European Commission for their work. When adopted, this package will not only help us establish a clear set of criteria to identify simple, transparent and standardised securitisations, but it will also contribute to building the Capital Markets Union in Europe.

Ostatnia aktualizacja: 10 listopada 2017Informacja prawna