20.500.12556/DKUM-64151 Enotni mehanizem za reševanje bank - drugi steber bančne unije Single Resolution Mechanism - Second Pillar of the Banking Union Drugi steber bančne unije oz. enotni mehanizem za reševanje (SRM) je del evropske bančne unije, ki je zasnovana z namenom enotnega nadzora bančnega sistema, enotne ureditve reševanja bank in uvedbe enotnega sistema jamčevanja za vloge na območju evropske monetarne unije. Direktiva o vzpostavitvi okvira za sanacijo ter reševanje kreditnih institucij in investicijskih podjetij (BRRD), prekinja vzročnost naraščajočih državnih dolgov kot posledico reševanja bank iz sredstev proračunov držav članic (t. i. bail-out). Ta princip reševanja je zamenjal princip s posegom na sredstva upnikov banke (t. i. bail-in). Slednji se je kot priporočljiv sprejel na mednarodni ravni v okviru nezavezujočih pravil Odbora za finančno stabilnost (angl. Financial Stability Board) pri Banki za mednarodne poravnave (angl. Bank for International Settlements). Uredba o enotnem mehanizmu za reševanje (SRMR), osrednji pravni akt enotnega mehanizma za reševanje (SRM), nadgrajuje BRRD z enotnim odborom za reševanje (SRB) in skladom (SRF), ki ga SRB upravlja. Drugi bančni steber tako predstavlja centralizacijo pristojnosti glede odločanja o reševanju propadajočih bank na ravni institucij in organov EU. The second pillar of the banking union forms a part of the European banking union, which has been devised to provide common supervision over the banking system, common bank resolution regulation and the guarantee scheme for deposits in the Eurozone and other voluntary participating EU member states. Bank Recovery and Resolution Directive (BRRD) ends the causality between growing sovereign debt as a consequence of member states using public funds to rescue banks (so called "bail-out"). This bank rescue principle has been replaced with the principle of tapping the assets of bank's creditors (so called "bail-in"). The latter has been adopted as recommended within the non-binding rules developed by the Financial Stability Board with the Bank for International Settlements. Single Resolution Mechanism Regulation, the central legal document of the Single Resolution Mechanism (SRM), builds on the BRRD by introducing a central resolution authority (Single Resolution Board - SRB) and the resolution fund managed by SRB. Second banking pillar thus represents the centralization of powers on the decisions on rescuing failing banks with EU institutions and bodies. enotni mehanizem za reševanje drugi steber bančne unije bančna unija enotni sklad za reševanje enotni odbor za reševanje bail-in Single Resolution Mechanism second pillar of the Banking Union Banking Union Single Resolution Fund Single Resolution Board bail-in true true false [K. Košak] Slovenski jezik Angleški jezik Diplomsko delo 2016-09-22 22:15:35 2016-11-18 17:11:16 2022-07-04 03:07:09 2019-07-11 13:51:57 2016 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.563.1:336.71043.2) 5250091 URN:SI:UM:DK:7LWMJDLY UN_Kosak_Kristijan_2016.pdf UN_Kosak_Kristijan_2016.pdf 1 B0266F4285DDC2775F91B9D212191253 d136d1cfc45482e47f43f0c56f720d2419f1c43e5fb4d3880e17c90966fec41d d4763086-7c0d-11eb-bb7a-00155d0001ca https://dk.um.si/Dokument.php?lang=slv&id=108003 Pravna fakulteta 0 0 0