Stability & Supervision | Finance Watch

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When trust in the financial system disappears, panic sets in: fire sales of financial assets and bank runs can make the entire system collapse. Taxpayers are forced to bail out “too-big-to-fail” institutions to protect essential economic functions (deposits, credit, payment systems).

Mitigating implicit “moral hazard” requires sound prudential policies protecting essential banking services from excessive risk-taking and maintaining adequate capital levels to cover possible losses. Well-resourced, and independent supervision is also key. Finally, prudential regulation must also respond to new risks related to digitalisation (see “Digital Finance”) and climate change (see climate risk under “Sustainable Finance”).

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2 PUBLICATIONS

Consultation response

28/04/2025

Stability & Supervision

Response to Commission consultation on the market risk prudential framework
Speech

28/11/2011

Stability & Supervision

Speech to EESC at hearing on civil society and financial regulation

Finance Watch Secretary General Thierry Philipponnat today gave evidence at a public hearing of the European Economic and Social Committee entitled “The role of civil society in financial regulation”.
Speech

12/10/2011

Stability & Supervision

ECON Committee evidence on CRD4

Finance Watch Secretary General, Thierry Philipponnat, yesterday gave evidence on the effects of CRD4 to the European Parliament’s ECON Committee for Economic and Monetary affairs. Press release 12 October 2011.

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The blog corner

Stability & Supervision

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19.06.2025

Europe cannot sacrifice financial regulation to Trump’s economic warfare

Stability & Supervision

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05.06.2025

More risk, no reward? The strange revival of securitisation

Stability & Supervision

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09.04.2025

The stage is being set for another financial crisis
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