As part of its ongoing consultation on the European crisis management and deposit insurance framework currently available for the management of bank failures within the EU generally and the Banking Union in particular, the European Commission has called for the respondents’ views as to the need for further harmonisation of resolution arrangements for banks that currently do not qualify for resolution under the auspices of the Single Resolution Mechanism. In this respect, the consultation takes up a broader discussion on the need for harmonised bank insolvency regimes within the EU, which also ties in with an earlier international debate on the functional characteristics of optimal bank insolvency regimes initiated by international standard setters in the early 2000s. Against this backdrop, the paper analyses the case for further reform, and identifies potential impediments (both technical and political) to be expected in this regard. It argues that, while a full harmonisation of resolution powers and the centralisation of decision-making powers can be expected to address relevant concerns regarding the status quo, a comprehensive harmonisation can also be expected to meet with substantial political opposition, which in turn requires a better understanding of the functional requirements to be met by less ambitious reforms.

中文翻译：

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欧盟非系统相关信贷机构清算的统一框架？

作为目前欧洲危机管理和存款保险框架的持续磋商的一部分，目前可用于管理欧盟范围内的银行倒闭，特别是银行业联盟，欧盟委员会呼吁受访者就需要进一步在单一决议机制的支持下，为目前不符合决议资格的银行协调决议安排。在这方面，磋商对欧盟内部协调银行破产制度的必要性进行了更广泛的讨论，这也与国际标准制定者在 2000 年代初发起的关于最佳银行破产制度的功能特征的早期国际辩论相吻合. 在此背景下，本文分析了进一步改革的案例，并确定在这方面预期的潜在障碍（技术和政治）。它认为，虽然决议权的全面协调和决策权的集中化有望解决对现状的相关关切，但全面的协调也有望遇到实质性的政治反对，这反过来需要更好地理解不那么雄心勃勃的改革要满足的功能要求。