EBA欧洲银行-EBA-BSG-2014-83-28Minutes-BSG-18-September-201429_10页_229kb

报告摘要

EBA Banking Stakeholder Group (BSG) Meeting Summary – 18 September 2014

Core Content

The EBA Banking Stakeholder Group (BSG) held a meeting on 18 September 2014 in London, covering a range of topics related to regulatory developments, operational risks, and the EBA's strategic initiatives. The meeting aimed to foster collaboration between the BSG and the EBA on key issues affecting the banking sector.

Main Points and Key Information

1. Welcome and Agenda Approval

The BSG Chairperson and EBA Executive Director welcomed the participants.
The EBA staff were requested to upload the minutes of the 3 June 2014 ESA Stakeholder Group meeting to the EBA extranet.

2. BSG Chairperson's Update

The BSG had produced five additional responses to EBA Consultation Papers (CPs) using a new dedicated BSG template.
A letter regarding the EBA's draft budget was sent to the Commission and other EU institutions, expressing concern over the potential negative impact of a reduced budget on the EBA's ability to perform statutory tasks.
The BSG supported joint submissions with other ESA Stakeholder Groups, particularly those from the Joint Committee of the ESAs.
The BSG agreed to consider work on financial conglomerates at the next meeting.

3. Workstream of BSG Technical Working Groups

i. Allocation of Work

Further BSG Opinions on EBA regulatory products were underway, with a focus on the topics outlined in [EBA/BSG/2014/64].
The BSG agreed to await further EBA consultations before finalizing opinions.

ii. Discussion of Proportionality and Complexity

The Ad hoc Working Group on Proportionality was working on a position paper to be submitted at the 9 December 2014 BSG meeting.
The group was advised to consider the implications of regulation on consumer protection and the relevance of the upcoming EBA Consultations on Simplified Obligations.
The BSG was encouraged to liaise with the EBA staff on the logistics of the Working Group meeting before December.

4. Regulatory and Oversight Developments

(a) EBA Executive Director's Update

The EBA Executive Director outlined ongoing regulatory developments, including Consultation Papers on the BRRD, payment commitments to DGS, and the security of internet payments.
A communications protocol was developed for the 2014 AQR and Stress Test, with results expected in October 2014.

(b) EU Commission Report on ESFS

The Commission's Report on the ESFS acknowledged the effectiveness of the ESAs but suggested possible adjustments.
The BSG agreed to develop comments on the Commission Report and consider changes to its internal procedures, such as break-out sessions.

(c) Update on Risks

The EBA's next bi-annual Risk Assessment Report was expected by the end of 2014.
Key risks included prolonged low growth, high indebtedness, low interest rates, emerging market risks, conduct risk, IT operational risks, and cyber-attacks.
The report also highlighted the potential risk of financial market bubbles and shadow banking activities.

(d) Discussion Paper on High-Quality Securitisations

The EBA was working on a Discussion Paper on high-quality securitisations, to be published in October 2014.
The paper aimed to define criteria for "simple", "standard", and "transparent" securitisations, including credit risk and transparency features.
The BSG emphasized the need for EBA to consult other ESAs and consider international frameworks like Solvency II.

(e) Home-Host Cooperation and Colleges

The BSG decided not to develop opinions on the EBA/CP/2014/12 and EBA/CP/2014/13.

(f) SREP Guidelines

The EBA was consulting on draft SREP guidelines, aiming to increase consistency and quality in supervisory practices.
The guidelines included an overall SREP score indicating the likelihood of an institution failing or being likely to fail.
The BSG expressed concerns about the timing of the consultation and the potential contradiction with the spirit of Pillar 2.

(g) Recovery and Resolution

The EBA was working on draft RTS for resolution plans and resolvability assessments.
The BSG supported the development of these guidelines and emphasized the importance of coordination between resolution authorities and supervisors.

(h) Risk Concentration and Intra-Group Transactions

The BSG agreed to develop an opinion on the JC CP 2014 04, focusing on risk concentration and intra-group transactions.

(i) EBA Work on Consumer Protection

The EBA was working on consumer-related guidelines, including payment commitments to DGS and the security of internet payments.
The BSG discussed the EBA's legal powers to ban products for consumer protection, noting that such powers are limited to situations declared as risks to financial stability by the EU Council.

5. BSG Standing Technical Working Group on Consumer Issues and Financial Innovation

The BSG Chair was invited to attend the next FSUG meeting on 23/24 October 2014.
The EBA's Head of Consumer Protection and Financial Innovation was awaiting an invitation from the FSUG.

6. Banking Culture Presentation

A presentation on banking culture, based on a report by ResPublica, was postponed to the December BSG meeting.

7. Report from the Standing Technical Working Group on Capital and Risk Analysis

The group had completed responses to four EBA Consultation Papers since the last meeting.
Three more responses were under preparation, while two were decided not to respond.

8. Preparation of the Next Joint BSG/BoS Meeting

The BSG suggested continuing with the previous format for the Joint meeting, where EBA staff, BoS members, and BSG members present topics.
BSG members were asked to submit potential discussion topics by 5 November 2014.