A single European Deposit Insurance Scheme would reduce the risk of deposit runs.
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EU macroprudential policy lays emphasis on residential mortgage loans and the banking sector’s structural risks
Regulatory reforms and macroprudential measures have improved the risk resilience of the bank-centred EU financial system. Work has also begun on targeting stability risks building up beyond the banking system.
The regulation of banks’ capital adequacy was only recently reformed. Assessment and monitoring of the effects of regulation will ensure a level playing field for the banks and the capacity of the financial system to support sustainable economic growth.