欧盟成员国银行业政策主要特点分析

EU member countries bank industry policy's main characteristics analysis

本文认为欧盟《第二银行指令》全面推动了欧盟各成员国银行业规制协调,可将成员国近20年以来的银行业政策主要特点归纳为四个方面,即全面放松管制、私有化、鼓励银行并购和对外扩张,金融监管体制一体化。这些政策促进了各成员国银行业竞争和快速发展,提高了欧盟银行业效率和盈利,有助于降低消费者和企业的融资成本,提高欧盟银行业整体抗风险能力。

The authors believe that EU Second Banking Directive promoted the harmonization of EU member states banking regulation.The member states 20 years banking policy has four main features： de-regulation,privatization,encourages of M＆A and foreign expansion,the financial supervision integration.These policies promoted competition and fast growth of banking industry ,raised the EU bank＇s efficiency,reduced the consumer and enterprise＇s financing cost,also raised the industry anti-risk ability.