Spurningar Thomasar Vermes til fulltrśans Michels Barnier ķ framkvęmdastjórn ESB um innistęšutryggingar og hugsanlega įbyrgš rķkja į žeim

Um žetta mįl var fjallaš hér ķ gęr vegna stórtķšinda ķ žessu mįli. (Sjį HÉR!)

En żtarlegar mį lesa um svör Barniers hér į eftir:

 

1. spurning.

Fela tilskipanir ESB um innistęšu-tryggingar žaš ķ sér, aš ašildarrķkjunum beri skylda til aš bęta tjón sem kann aš verša af gjaldžrotum banka og er umfram žęr bętur sem innistęšu-trygginga-kerfi viškomandi lands getur greitt vegna glatašra inneigna ?

 

Svar viš 1. spurningu: NEI. Tilskipunin [lķklega 94/19/EB] tilgreinir greinilega, aš bankarnir eiga aš fjįrmagna innistęšu-trygginga-kerfin aš stęrstum hluta. Į nęsta įratug munu bankarnir [ķ Evrópusambandinu] verša aš fjįrmagna fyrirfram-sjóš (ex-ante) sem nemur 1,5% af tryggšum innistęšum. Ef sś upphęš veršur ekki talin nęgjanleg, er hęgt aš krefja žį um sem nemur 0,5% til višbótar og yrši žaš fé greitt eftirį (ex-post), žaš er aš segja eftir gjaldžrot. Enn fremur, ef naušsyn krefur, er gert rįš fyrir lįntökum sem nema 0,5% hjį tryggingasjóšum annarra ašildar-rķkja.

 

Žessi fjįrmögnun ętti aš vera fullnęgjandi til aš męta mešal-stóru banka-gjaldžroti. Ef žetta fjįrmagn reynist samt ekki nęgilegt, er naušsynlegt aš tryggingakerfin hafi neyšarįętlanir um hvar višbótarfjįrmagn verši fengiš. Einn möguleiki er til dęmis aš tryggingakerfin gefi śt skuldabréf. Hér getur rķkiš komiš inn meš fjįrmagn, en tilskipunin tekur ekki afstöšu til žess og rķkisįbyrgš kemur ekki til sögunnar, nema um žaš hafi veriš tekin įkvöršun og reglum Evrópu-rķkisins sé fylgt um rķkisstyrki. Rķkisįbyrgšar er žvķ ekki krafist, hvorki óbeint né beint, heldur er įkvöršun um slķkt ķ höndum einstakra ašildarrķkja.

 


2. spurning.

Ef bankahrun veršur, hvaša įhęttu mun žetta (rķkisįbyrgš ?) skapa ašildarrķkjunum, aš mati fulltrśans (Michels Barnier ķ framkvęmdastjórn Evrópusambandsins) ?

 

Svar viš 2. spurningu: Sś fjįrmögnunarleiš sem lżst er aš framan, er til žess ętluš aš ekki komi til žess aš skattgreišendum verši sendur reikningurinn og myndi losa ESB-rķkin undan slķkri byrši.

 

 

3. spurning.

Ķ framhaldi af nżrri fjįrmįlalöggjöf sinni hefur forseti Bandarķkjanna, Obama, fullyrt, aš ekki lendi lengur į skattgreišendum aš greiša fyrir mistök fjįrmįlamarkašarins. Er hęgt aš fullyrša hiš sama fyrir Evrópusambandiš og Evrópska efnahagssvęšiš ?

Svar viš 3. spurningu: Evrópusambandiš styšur meginregluna um “aš mengunarvaldar greiši žann kostnaš sem žeir valda” og deilir žvķ markmiši (meš Obama) aš ķ framtķšinni lendi kostnašur viš fjįrmįlakreppur ekki af óešlilegum žunga (disproportionately) į heršar skattgreišenda. Yfirlżsing framkvęmdastjórnar Evrópusambandsins um banka-slita-sjóši (bank resolution funds), sem birt var 26. maķ 2010, gerir grein fyrir višhorfi Framkvęmdastjórnarinnar um hvernig fjįrmįla-geirinn gęti lagt til fjįrmagn vegna kostnašar viš slit į gjaldžrota bönkum.

Eins og gerš er grein fyrir ķ yfirlżsingunni, styšur Framkvęmdastjórnin stofnun fyrirfram-slitasjóša, sem fjįrmagnašir eru meš tryggingagjaldi frį bönkunum, į žann hįtt aš ekki komi til fjįrmįlakollsteypu og sem gerir kleyft aš slķta starfsemi banka į skipulegan hįtt og į löngum tķma sem hindrar bruna-śtsölu į eignum žeirra. Framkvęmdastjórnin telur aš slita-sjóšir muni verša naušsynlegur hluti hinnar nżgju ašgerša-įętlunar Evrópusambandsins um višbrögš viš efnahagskreppum, sem ętlaš er aš milda byrši skattgreišenda og lįgmarka – eša jafnvel afnema – ķ framtķšinni žörf į notkun sjóša ķ eigu skattgreišenda til aš fjįrmagna gjaldžrota banka. 

 Žżšing: Loftur Altice Žorsteinsson.

 

Does the EU directive(s) on Bank Deposit Guarantee imply that the member states are obliged to cover losses in case of bank bankruptcies that exceeds the ability of the national bank deposit guarantee scheme to cover the lost deposits?

No. The Directive clearly states that banks have to finance schemes to a very large extent. Within the next decade, banks would have to contribute to schemes in order to build up an ex-ante fund of 1.5% of eligible deposits. If insufficient, a further 0.5% can be required to be paid by banks ex-post, i.e. after a failure. Further 0.5% can be borrowed from other schemes in the EU if it is necessary. Such financing should be sufficient to cover a medium-size bank failure. If this is still insufficient, schemes need to have contingency plans where to get the money from other sources. One option would be for instance that the scheme issues bonds. There may be state financing at this level, but the Directive is neutral on this and only requires that if it is chosen, EU state aid rules are complied with. Therefore, it is neither explicitly nor implicitly required but left to Member States.

 

In case, what risk does the Commissioner think this will pose to member states already in financial trouble?

The above funding requirements intend to avoid using taxpayers' money and would thus lift a possible burden from such countries.

 

In US, President Obama stated after his new financial legislation, that the US taxpayers will no more be responsible for covering the mistakes of the financial sector. Could the same be said about EU and EEA citizens?

The EU supports the 'polluter pays' principle and shares the objective that the costs of any future financial crisis should not fall disproportionately on the tax payer.  The Commission's Communication on bank resolution funds published on 26 May this year sets out the Commission's thinking on how the financial sector could contribute to the cost of financing the resolution of failing banks. As indicated there, the Commission supports the establishment ofex ante resolution funds, funded by a levy on banks, to facilitate the managed failure of ailing banks, in ways which avoid contagion and allow the bank to be wound down in an orderly manner and in a timeframe which avoids the "fire sale" of assets. The Commission believes that resolution funds will be a necessary part of the toolbox of measures to be included in the new EU crisis management framework which seek to mitigate the burden on taxpayers and minimize – or better still eliminate - future reliance on taxpayer funds to bail out banks.

 

 

 http://www.abcnyheter.no/nyheter/politikk/100728/eu-kommisjonens-svar-pa-abc-nyheters-sporsmal 


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