Banking Industry: Structure and Competition - The Single Banking Market in Europe
7 important questions on Banking Industry: Structure and Competition - The Single Banking Market in Europe
What increased competitive pressure?
What is the single banking market in europe?
Objective: any banking service provided in EU can establish an equivalent provision, or acquire another banking service across the EU
Goal: Improve welfare by promoting lower interest rates for loans and mortgages, higher interest rates on savings and deposits
Explain de first banking directive
• Integration of the banking market in the EU
--> Create a platform for cross border Eu banks to behave like domestic banks
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Explain the second banking directive
• Principle of home-country control or mutual recognition of regulatory authorities was installed
• Single banking passport
-> increased competition
Explain Own funds directive and Solvency ratio directive
Explain financial service action plan
• Strengthen rules on prudential supervision
What is the European banking authority? What were the obstacles?
• Objective: common set of regulations to avoid ‘regulatory arbitrage’
• Obstacles remain to full integration of EU banking markets (language, culture, home-bias for retail banking, differences in legal systems, tax treatment)
The question on the page originate from the summary of the following study material:
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- Never study anything twice again
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- 100% sure, 100% understanding
