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报告摘要

CEBS Progress Assessment Summary

Core Content

The document provides an overview of the progress made by the Committee of European Banking Supervisors (CEBS) up to 2007, as assessed by an online survey conducted by Ipsos-MORI. It highlights the role and tasks of CEBS, the results of the survey, and areas for improvement in order to enhance its impact on national practices and consumer understanding.

Main Tasks of Level 3 Committees

CEBS is responsible for:

Providing advice to the European Commission
Promoting consistent implementation of Community legislation and convergence of supervisory practices
Enhancing operational mechanisms for supervisory cooperation and information exchange

CEBS Statement on Role and Tasks (2005)

This statement aimed to clarify CEBS's interpretation of its mandate and manage expectations regarding its role and responsibilities.

Lamfalussy Review and CEBS Consultative Panel Initiative

To assess progress towards the Lamfalussy review, CEBS initiated an online survey between late November 2006 and late January 2007. The survey included:

75 online interviews:
- 6 from EU institutions
- 51 from the industry
- 18 from consumers
The survey results were analyzed in an Ipsos-MORI report, with CEBS providing a response to the findings.

Positive General Assessment

The survey showed a generally positive perception of CEBS's performance:

80% of EU institutions rated CEBS's performance as very or fairly good
65-70% of industry respondents also gave positive ratings
CEBS was seen as making effective contributions to the development of European good practices

Key Contributions

CEBS has been successful in addressing the principle of proportionality
Its work has positively contributed to the goal of building a fully integrated EU financial market

Areas for Improvement

Despite the positive feedback, the document identifies several areas where CEBS could improve:

Too much detail in its products: A need to balance principles with rules
Public consultations could be more effective:
- Overlapping and lack of consultation on advice
- Need for early informal dialogue with industry experts (more frequent and broader)
- Better national dissemination of CEBS products
Consumer engagement is limited:
- Lower understanding of CEBS objectives among consumers
- Calls for greater consumer involvement in CEBS work
- Concerns about the impact on local businesses

Suggestions for Greater Impact

CEBS is already focusing on improving its impact on national practices through:

Operational networking project
Peer review mechanisms

The committee invites further suggestions to enhance its effectiveness.

Key Information

Survey period: November 2006 – January 2007
Respondents: 6 EU institutions, 42 industry, 18 consumers
Positive outcomes: High-quality papers, effective approach, contribution to common practices
Challenges: Limited impact on national practices, lack of consumer understanding, and ineffective public consultations