20.500.12556/RUL-175957 Reševanje banke iz mednarodne bančne skupine v bančni uniji (magistrsko diplomsko delo) Resolution of a bank from a cross-border banking group in the Banking union Finančna kriza z začetkom v letu 2008 se je izjemno hitro in globoko razširila skozi mednarodni finančni sistem ter celotna gospodarstva. Regulativni, korporativni in pravni zaščitni ukrepi so se izkazali za nezadostne. Odzivi so bili različni, vendar so večinoma zahtevali znatna javna sredstva za reševanje propadajočih finančnih institucij. Po krizi se je izoblikovala bančna unija v treh stebrih. Posebnosti reševanja bank v bančni uniji sta preseganje nacionalnih meja in vzpostavitev enotnega postopka reševanja v primeru mednarodnih bančnih skupin. Gre za vnaprej načrtovan in skrbno pripravljen postopek, ki naj bi bil na voljo ob nastopu težav. Postopek reševanja lahko uporabi več ukrepov za dosego svojih ciljev, to sta predvsem zagotovitev finančne stabilnosti in preprečevanje širitve težav na druge finančne institucije. Od drugih insolvenčnih postopkov se razlikuje zlasti po vlogi pristojnega organa za reševanje, ki ima skorajda diktatorska pooblastila. Njegova naloga je postopek izvesti v zelo kratkem času, pri tem pa so interesi običajnih deležnikov na drugem mestu. To je bistvena razlika glede na najprimerljivejši postopek, prisilno poravnavo, kjer je sodelovanje upnikov nujno. Do danes je izkušenj s postopkom reševanja, zlasti v zahtevnih primerih, precej malo. Zato lahko zgolj teoretično ocenimo, kakšne težave so možne ob njegovem izvajanju. The financial crisis in the late 2000s rapidly and deeply spread throughout the international financial system and whole economies. Regulatory, corporate and legal safeguards were found wanting. Response varied but mostly required vast infusions of public money into failing financial institutions to keep them afloat. After the crisis a three-pillar Banking union was put in place. The uniqueness of bank resolution inside the Banking union is its ability to largely disregard national borders and enact a common resolution process for a multi-state group. A carefully and diligently prepared process, being available for quick activation should an emergency arise. With several resolution instruments at hand, its main objectives are to preserve financial stability and prevent problems spilling over to other institutions. The main difference with other insolvency procedures are extraordinary powers of the competent resolution authority. Its job is to complete the resolution process in a very short time, with interests of the usual stakeholders being significantly sidelined. This is the crucial difference compared to compulsory composition, the most similar procedure, where creditors cooperation is necessary. As there have been very few resolution cases, especially complex ones, experience is limited. Therefore, only a theoretical guess can be made what problems could arise during the resolution process. reševanje bank bančna unija enotni odbor za reševanje MREL načrt reševanja mednarodna bančna skupina reševanje skupine bank resolution banking union single resolution board MREL resolution plan cross-border banking group group resolution true false false A. Aš Slovenski jezik Angleški jezik Magistrsko delo/naloga 2025-11-14 09:00:08 2025-11-14 09:00:15 2026-02-06 13:33:03 0000-00-00 00:00:00 2025 0 Ljubljana 0 Ljubljana 1 spletni vir (1 datoteka PDF (58 str.)) 0000-00-00 Zaloznikova Objavljeno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71:341(043.2) 133003 267639555 26175.pdf 26175.pdf 1 F127BD96036B144481B5E69543E01689 89fe52aee0d0f0eda1fe3bb7c7fa79a425d444b6911f47da93385f22e8792b51 a3a3e66e-c12f-11f0-9328-0050569b8976 https://repozitorij.uni-lj.si/Dokument.php?lang=slv&id=221935 Pravna fakulteta 0 0 0