Since normal corporate insolvency proceedings run by law courts and purely aimed at liquidating troubled entities are generally considered inappropriate for peculiar institutions like banks, having a special administrative regime, which provides the authorities with resolution-like tools, is of paramount importance to maintaining the stability of the system and reducing the destruction of value. Still, in order for these special administrative regimes to properly work and, thereby, for the winding up to be orderly, as provided by the Bank Recovery and Resolution Directive, an active and leading role should be played by deposit guarantee schemes. Accordingly, this article advocates the adoption of special administrative regimes dedicated to troubled banks, harmonized at the European Union level and based on the interventionist role of deposit guarantee schemes, which I define as harmonized deposit guarantee scheme-centred special administrative regimes. But, from this perspective, a review of the European Union legislation, with regard to State aid provision and depositor preference, is needed to enable such schemes to properly perform their function through the so-called optional measures. And, in this regard, the article advances some reform proposals.

中文翻译：

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替代形式的存款保险以及寻求以欧洲统一的存款担保计划为中心的特殊行政制度来处理陷入困境的银行

由于通常认为，由法院执行的，仅旨在清理破产实体的正常公司破产程序，对于像银行这样的特殊机构来说是不合适的，因此，具有特殊的行政制度为当局提供类似决议的工具，对于维持稳定至关重要。减少价值的破坏。尽管如此，为了使这些特殊的行政体制正常运行，从而使清算工作井井有条，正如《银行追回和清算指令》所规定的那样，存款担保计划应发挥积极的领导作用。因此，本文主张采用专门针对陷入困境的银行的特殊管理制度，在欧盟一级以存款担保计划的干预角色为基础进行协调，我将其定义为以存款担保计划为中心的统一特别行政制度。但是，从这个角度来看，需要对欧洲联盟关于国家援助提供和存款人优惠的立法进行审查，以使此类计划能够通过所谓的“选择性措施”适当履行其职能。并且，在这方面，本文提出了一些改革建议。