欧盟银行业联盟的进展与展望——兼议德意志银行与意大利银行业危机

Abstract:Within the discrete system of banking supervision，the deepening of financial integration process led to continuous accumulation of risks in the European financial system，which had finally triggered a vicious spiral of European sovereign debt crisis and banking crisis under the shock of the international financial crisis. To deal with this dilemma，the European Union began to establish the banking union with a single regulatory mechanism，a single resolution mechanism and a single rule book. With the implementation and improvement of the banking union，the ability of the EU financial system to resist risks has been significantly enhanced and the possibility of the outbreak of systemic risks in the financial market greatly reduced. But the painful process of balance sheet repair and transformation of business model launched after the crisis，together with the ECB negative interest rates，has sparked various problems in some banks or banking sector of some countries.

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