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 法律指令 2009/14/EC

I. 描述

In times of volatile markets, one of the biggest concerns for depositors is the safety of bank deposits should their bank fail. Since 1994,  Community rules have ensured that all Member States have in place a safety net for depositors if banks fail. A review of these existing rules  published by the Commission in 20061 highlighted a number of areas where improvements could be  made. However, this report concluded that  at that stage many of the improvements could be achieved without amending the legislation. 

Events in 2007 and in 2008, and in particular the current turmoil on the financial markets, have exposed these deficiencies and their  consequences in terms of depositors' confidence to a new extent. Crucially, there is also increasing awareness that many savers could be caught  out, and not reimbursed in the event of a bank failure because their savings exceed the coverage levels in their country. The minimum coverage  level of €20.000 has not been adjusted since 1994 and is no longer adequate in a number of countries given the distribution of savings. There is  evidence suggesting that the competitive distortions created by different national measures are having a real and disturbing impact on deposit  taking. Moreover, the current payout delay of three months does not meet depositors' needs and expectations. 

The Council of the European Union agreed on 7 October 2008, that it is a priority is to restore confidence and proper functioning of the financial  sector. It committed to take all necessary measures to protect the deposits of individual savers and welcomed the intention of the Commission to  bring forward urgently an appropriate proposal to promote convergence of deposit guarantee schemes. Therefore, the Directive should be revised  in three key areas:
• Increase of the minimum coverage level
• Reduction of the payout delay to a maximum of 3 days
• Termination of co-insurance

II. 基本信息

标题

Directive 2009/14/EC of the European Parliament and of the Council of 11 March 2009 amending Directive 94/19/EC on deposit-guarantee schemes as regards the coverage level and the payout delay

状态
现存
法律指令
2009/14/EC
官方. 版本
公告. EC 号. L (Legislation), 公布 68, 年 2009, S.3
日期
2009/03/11
公告
2009/03/13
法案
普通的法律法案
法律基础
Art. 47 Abs. 2 EC
法的实施
Codecision procedure

III. 文本和产生历史

1. 文本

Titel
Allg. Daten
Textfassung

原始.版本 :
Directive 2009/14/EC of the European Parliament and of the Council of 11 March 2009 amending Directive 94/19/EC on deposit-guarantee schemes as regards the coverage level and the payout delay

  2009/14/EC

Beschluss:
2009/03/11 (D)
Verkuendung:
2009/03/13 (V)
(D) 日期 | (V)公布

2. 发生史

Datum
Typ / Titel
Textfassungen
2008/12/18
Report of the European Parliament - 1st reading
ABL EC No. C 45, p. 186
2008/11/18
Opinion of the European Central Bank
ABL EC No. C 314, p. 1
2008/10/15
Proposal
COM/2008/661

3. 影响

Auswirkungstyp
Richtlinie
Textfassungen
修改
  法律指令 94/19/EC

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Legislative Act Status

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目录

I. 描述
II. 基本信息
III. 文本和产生历史
1. 文本
2. 发生史
3. 影响