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segunda-feira, setembro 24, 2012

The case for euro deposit insurance

GROS: The case for euro deposit insurance
Daniel Gros, Dirk Schoenmaker, 24 September 2012

2 comentários:

  1. A principal razão para começar a construir a união bancária Eurozone com um novo Fundo Europeu de Seguro de Depósitos é reduzir drasticamente o risco para os depositantes LOCAIS e, assim, promover a poupança LOCAL e estabilizar o financiamento bancário LOCAL, componentes essenciais de qualquer solução para a crise da Eurozone.

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  2. Deposit insurance for smaller deposits is a critical way to compensate for faulty banking regulation and to protect small retail savers from bank (and system) mismanagement. In the US New Deal, Deposit Insurance of smaller deposits of commercial banks, was supported by the Glass Stegall Act, which segregated plain vanilla commercial banking from speculative investment banking.

    In Europe today, we need an European deposit insurance scheme for small local retail deposits, leaving the professional cross-border investors (speculators, arbitrageurs, etc) to take the consequences of their investment decisions, a modern day separation a la Glass Stegall.

    And we need to regulate the European financial regulators, which have failed miserably and appear to have been captured by the creditors.

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