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In 2020, the Commission launched a review of the Solvency II Directive, the EU's legal prudential regulatory framework for (re-)insurance companies, which entered into force in 2016. As one output of the review, the Commission made a proposal in September 2021 for a new directive establishing a framework for recovery and resolution of insurance companies – the 'IRRD proposal'. The IRRD proposal would establish harmonised recovery and resolution tools and procedures, with enhanced cross-border cooperation ...

Pankkiunioni

Faktatietoja EU:sta 07-03-2024

Pankkiunioni perustuu ehdotukseen, jonka komissio esitti vuonna 2012 eli muutama vuosi EU:ta koetelleen vakavan finanssikriisin alkamisen jälkeen. Keskeisenä uudistuksena oli siirtää vastuu euroalueen suurimpien pankkien päivittäisestä valvonnasta kansalliselta tasolta Euroopan tasolle. Siitä lähtien Euroopan keskuspankin (EKP) vastuulla on ollut sekä rahapoliittiset että valvontatehtävät, vaikka sen on pidettävä ne täysin erillään. Euroopan tasolla perustettiin toinen elin – yhteinen kriisinratkaisuneuvosto ...

On 7 December 2022, the European Commission made two proposals to amend EU legislation on derivative markets. The objective is to reduce the excessive and concentrated exposure of EU financial institutions to third-country central counterparties (CCPs). CCPs are clearing platforms that mitigate counterparty risks on derivative instruments by demanding collateral. Among other things, the proposals would require EU financial institutions to retain a portion of mandatory CCP derivative trading, to be ...

In June 2023, the Commission tabled a proposal ('FASTER') to make withholding tax procedures in the EU more efficient and secure for cross-border investors and Member State tax administrations, to the benefit of the EU capital markets union. The Council must vote unanimously, after consulting the Parliament, to adopt the directive. Parliament is due to vote its (non-binding) report during the February II plenary session.

In its first ten years (2014-2023), the banking union was successful in its prudential agenda but failed spectacularly in its underlying objective: establishing a single banking market in the euro area. This goal is now more important than ever, and easier to attain than at any time in the last decade. To make progress, cross-border banks should receive a specific treatment within general banking union legislation. Suggestions are made on how to make such regulatory carve-out effective and legally ...

The capital markets union (CMU) is an EU political project aimed at 'de-fragmenting' the markets for corporate financing. The primary objective is to ensure that firms with comparable characteristics obtain comparable financing conditions – especially as regards costs and volumes – regardless of the Member State in which they are located. The objective to de-fragment capital markets is influenced by the context of European monetary union and the single market for goods and services; fragmented financial ...

This document provides an overview of Economic Dialogues with the other institutions of the European Union that has taken place in the competent committee(s) of the European Parliament since September 2019 under the European Semester for economic policy coordination. It also lists the Recovery and Resilience Dialogues with the European Commission as undertaken by the competent committee(s) since the entry of force of the Recovery and Resilience Facility in 2021. It also includes an overview of the ...

Following the Commision’s adoption of the Action plan on Sustainable Finance in 2018 with the aim to foster investment in sustainable projects and incorporate sustainability in financial advice, the SFDR was adopted by the European Parliament and the Council in November 2019. It aims to provide investors who seek to put their money into companies and projects focusing on sustainable development with the necessary information. Furthermore, the SFDR allows investors to assess the integration of sustainability ...

Euroopan investointipankki

Faktatietoja EU:sta 18-01-2024

Euroopan investointipankki (EIP) antaa pitkäaikaista hankerahoitusta, takauksia ja neuvontaa unionin tavoitteiden edistämiseksi. Rahoitusta myönnetään sekä EU:ssa että EU:n ulkopuolisissa maissa toteutettaviin hankkeisiin. EIP:n osakkaita ovat EU:n jäsenvaltiot. EIP puolestaan on Euroopan investointirahaston (EIR) suurin osakas ja muodostaa sen kanssa EIP-ryhmän.

The banking union is a regulatory framework that establishes a single prudential rulebook for banks, and – for banks the failure of which it is considered would have a significant impact – a single supervisor and a Single Resolution Fund. Created as a policy response to the 2007-2008 banking crisis, banking union is essential for European monetary union and the level playing field in the EU single market for goods and services. The lessons learned during the banking crisis were a key foundation for ...