W kierunku większej roli systemów gwarancji depozytów w unijnych ramach zarządzania kryzysowego

• Autorzy: Anna Dobrzańska

Warianty tytułu

Towards the Enhanced Role of Deposit Guarantee Schemes in the European Union Crisis Management Framework

• Języki publikacji: PL

Abstrakty

Systemy gwarancji depozytów stanowią ważny, ale stosunkowo nowy element sieci bezpieczeństwa finansowego. Przed globalnym kryzysem finansowym systemy gwarancji depozytów w Unii Europejskiej funkcjonowały głównie w formule paybox, tzn. ich mandat był ograniczony do wypłaty środków gwarantowanych. Doświadczenia kryzysowe ujawniły wiele słabości w obszarze gwarancji depozytów i skłoniły unijnych legislatorów nie tylko do zwiększenia poziomu harmonizacji w tym obszarze, ale także do rozszerzenia mandatu systemów gwarancji depozytów. Celem niniejszego artykułu jest przedstawienie i analiza ewolucji regulacji finansowych związanych z gwarantami depozytów w Unii Europejskiej, z uwzględnieniem ich roli w zarządzaniu kryzysowym, w szczególności w zakresie interwencji innych niż wypłata depozytów. Istotna część artykułu poświęcona jest krytycznej ocenie nowych propozycji przedstawionych przez Komisję Europejską w 2023 r. w ramach reformy ram zarządzania kryzysowego i gwarancji depozytów. Artykuł omawia potencjalne pozytywne skutki proponowanych zmian, jak również możliwe trudności i wyzwania związane z ich wprowadzeniem. Wyniki analizy wskazują, że proponowana reforma wzmocni systemy gwarancji depozytów nadając im bardziej znaczącą rolę w zarządzaniu kryzysowym. Niemniej ten nowy rozszerzony mandat może wymagać zwiększenia zdolności finansowych funduszy gwarantowania depozytów. (abstrakt oryginalny)

EN

Deposit guarantee schemes constitute an important but relatively new element of the financial safety net. Prior to the Global Financial Crisis deposit guarantee schemes in the European Union acted mainly as payboxes with their mandate mostly limited to payout of covered de-posits. The crisis experience unveiled many weaknesses in the area of deposit insurance and prompted European lawmakers not only to increase the level of harmonization of regulations in this respect but also to extend the mandate of deposit guarantee schemes. The aim ofthis article is to present and analyze the evolution of financial regulation related to deposit insu-rers in the European Union, taking into account their role in crisis management, in particular as regards interventions other than payout. An important part of the article is focused on the critical assessment of the new proposal put forward in 2023 by the European Commission to reform the crisis management and deposit insurance framework (CMDI]. The article di-scusses the potential positive effects of the proposed changes under the CMDI reform as well as possible difficulties and challenges related to their introduction. Results of the analysis indicate that the proposed reform would strengthen deposit guarantee schemes givingthem a more prominent role in crisis management. Nevertheless, this new broadened mandate might require strengthening financial capacity of deposit guarantee funds. (original abstract)

Słowa kluczowe

PL

Zarządzanie kryzysowe; Restrukturyzacja; Gwarancje bankowe; Stabilność finansowa

EN

Crisis management; Restructuring; Banking guarantee; Financial sustainability

• Czasopismo: Bezpieczny Bank
• Rocznik: 2023
• Numer: nr 4 (93)
• Strony: 7-30

Twórcy

autor

Anna Dobrzańska

• Narodowy Bank Polski

Bibliografia

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Identyfikatory

DOI

10.26354/bb.1.4.93.2023