EBA欧洲银行-22-Jan-2009_EBIC-plenary-meeting_22页_358kb

报告摘要

EBIC Meeting Summary: Supervisory and Regulatory Developments in the EU (2009)

Core Content

The Committee of European Banking Supervisors (CEBS) convened in Brussels on 22 January 2009 to discuss supervisory and regulatory developments in the EU, particularly in the context of the financial crisis. The meeting highlighted CEBS's role in promoting a safe and sound EU financial system through good supervisory practices, cross-border supervision, and a level playing field.

Main Objectives of CEBS

Promote efficient and effective supervision
Ensure safety and soundness of the EU financial system
Maintain proportionality and consistency in the application of EU banking legislation
Foster supervisory convergence and information exchange
Conduct regular risk assessments from a supervisory perspective

Progress in 2008

Provided further guidance on the Capital Requirements Directive (CRD)
Followed up on the Lamfalussy review conclusions
Updated the 3L3 Committees decisions
Addressed market turmoil through the EU roadmap
Enhanced transparency and disclosures by banks
Facilitated information exchange and more frequent meetings among CEBS members
Increased dialogue with external stakeholders

Current Crisis Situation

CEBS members have enhanced cooperation with other committees and EU institutions
The Task Force on Crisis Events (TFCE) is analyzing the supervisory implications of national rescue plans and individual institution crises
The Task Force on Risk Management (TFRM) is working on guidelines for risk management to strengthen banks' practices

Institutional Issues in 2009

The Commission revised Decision on CEBS is expected to be published soon
CEBS is strengthening its role and enhancing reporting and risk assessment processes
CEBS will collaborate with BSC and ECB to improve institutional arrangements
A new framework for risk assessments is being developed in collaboration with CESR and CEIOPS

Commission Mandate to the “de Larosière Group”

The group is tasked with proposing a more efficient and integrated EU supervision system
Focus areas include:
- Organizing supervision of EU financial institutions
- Strengthening financial stability oversight, early warning mechanisms, and crisis management
- Enhancing global cooperation between EU supervisors and counterparts in other jurisdictions

CEBS Stance on Future Institutional Setting

CEBS supports an enhanced evolutionary approach to supervision
Key initiatives:
- Establish colleges of supervisors for all major cross-border banks by the end of 2009
- Develop good practices and common principles for colleges of supervisors
- Strengthen supervisory cooperation with BSC and ECB
- Ensure timely implementation of CEBS guidance at the national level
- Conduct peer reviews to enhance quality and consistency

CEBS Work Programme 2009

Process

CEBS identified key topics for 2009
Maintained flexibility and swift reaction ability to changing priorities
Followed a strict prioritization process but allowed for adjustments

Priorities

Priority 1: Activities essential for the current crisis, including:
- Crisis management and early intervention mechanisms
- Transparency and disclosure
- Periodic risk assessments
- Liquidity risk management (LRM)
- Colleges of supervisors
- Capital instruments
Priority 2: Activities that are important but can be postponed, including:
- Pillar 2 issues (concentration risk, stress testing, etc.)
- Pro-cyclicity problem and capital buffers
- Amendments to CRD and supervisory disclosure
- Financial conglomerates and mediation
- Delegation of tasks
Priority 3: Activities that can be undertaken if resources allow, including:
- Interest rate risk practices paper
- Diversification under Pillar 2
- Validation guidelines update
- Pillar 3 implementation study update

Summary of Next Steps

Continue monitoring the financial crisis and coordinating supervisory responses
Deliver on the CEBS work program 2009 and align with the global agenda
Move forward with European convergence and harmonization of supervisory practices
Develop training programs for a common supervisory culture, with EU funding expected