EBA欧洲银行-20080425EAPBGABelgrade_13页_489kb

报告摘要

European Association of Public Banks - General Assembly Summary

Overview

The document outlines the role and activities of the Committee of European Banking Supervisors (CEBS) during the General Assembly held in Belgrade, Serbia on 25 April 2008. It highlights CEBS' responsibilities, its evolution within the Lamfalussy framework, the establishment of Supervisory Colleges, and its response to market turmoil and crisis management.

Core Content

CEBS is an advisory body that supports the European Commission and promotes consistent application of EU banking legislation. It enhances supervisory cooperation and convergence across the European Union.

Main Tasks of CEBS

Provide advice to the Commission
Promote consistent implementation of EU legislation
Enhance convergence of supervisory practices
Exchange information and foster supervisory cooperation

Objectives

CEBS aims to ensure the safety and soundness of the EU financial system by:

Implementing good supervisory practices
Ensuring efficient and cost-effective supervision of cross-border banking groups
Promoting effective regulation
Maintaining a level playing field and applying proportionality

Consultation and Dialogue

CEBS engages with the industry, market participants, and end-users to ensure transparency and benefit from their expertise. This includes:

Public consultations on CEBS products
Hearings and panels
A Consultative Panel consisting of 19 members that provides strategic input
Industry expert groups for specialized discussions

Lamfalussy Review

The Lamfalussy review aims to strengthen CEBS' role within the EU banking supervision framework. Key changes include:

Accountability to European institutions
Mandate with an additional EU dimension
Funding potentially from the EU budget
Introduction of Qualified Majority Voting (QMV) in the CEBS Charter

This review is part of the Post ECOFIN Roadmap, which includes:

Guidelines for the operation of Supervisory Colleges
EU-wide reporting formats
Delegation of tasks to enhance EU supervisory culture
Consideration of financial support for 3L3 Committees

Supervisory Colleges

CEBS has developed guidelines and templates to support the establishment and operation of Supervisory Colleges. These colleges are designed to:

Facilitate the exchange of information (both in normal and crisis situations)
Develop a common understanding of risk profiles
Coordinate supervisory reviews and risk assessments
Align supervisory decisions and activities
Avoid duplication of work
Reduce regulatory burden

CEBS has been working with a network of supervisors for 10 cross-border EU banking groups, which will expand to 17. It also promotes active dialogue between institutions and supervisors through the Industry Operational Network Platform.

Response to Market Turmoil

CEBS has taken steps to address market instability by:

Enhancing transparency in exposures to structured finance instruments
Improving valuation of illiquid assets
Strengthening supervision of liquidity risk
Conducting regular risk assessments

Crisis Management

CEBS has established a framework for crisis management, including:

A Memorandum of Understanding (MoU) among ministries of finance, central banks, and supervisory authorities
A commitment to cross-border cooperation to improve preparedness for potential crises
A framework for assessing systemic implications
Practical guidance for crisis management
Consideration of inter-linkages between banking, insurance, and securities markets
Conducted a crisis simulation exercise in 2009

Steps Ahead

CEBS is focused on the following initiatives:

Strengthening its role within the Lamfalussy architecture
Enhancing its role in promoting convergence in daily supervisory practices
Delivering good practices for Supervisory Colleges
Improving discussions on risk assessments and supervisory responses to emerging risks