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随着欧盟一体化进程的深入,分散的欧盟银行业监管安排越来越无法适应高度一体化的金融体系。随着2008年金融危机以及欧债危机的爆发,防范系统性风险、改革银行监管体系、疏通货币政策传导渠道及维护金融体系稳定已成为共识。在重新确立相关监管机构的过程中,法律体系的不完善以及制度的衔接不力给欧盟带来了一系列的监管困境,我国应从中吸取有益的经验和教训。
With the deepening of EU integration process, decentralized EU banking regulatory arrangements are increasingly unable to adapt to the highly integrated financial system. With the financial crisis in 2008 and the outbreak of the European debt crisis, preventing systemic risks, reforming the banking regulatory system, unblocking the channels of monetary policy and maintaining the stability of the financial system has become the consensus. In the process of re-establishing the relevant regulatory agencies, the imperfect legal system and the ineffective cohesion of the system have brought a series of regulatory difficulties to the EU. Our country should learn from the beneficial experiences and lessons learned.