Verfasst: 27.06.2013, 21:04
Milchfleck hat geschrieben:...
Tritt nicht ab 01.08. ein EU-Gesetz in Kraft, das die Gläubiger einer Bank (also auch die Sparer) bei einer Bankpleite vorrangig mit rasiert?
...
http://europa.eu/rapid/press-release_ME ... ?locale=en
http://www.consilium.europa.eu/uedocs/c ... 137627.pdf
Aus dem zweiten Link entnommen.
"The main resolution measures would include:
– the sale of (part of a) business;
– establishment of a bridge institution (the temporary transfer of good bank assets to a publicly controlled entity);
– asset separation (the transfer of impaired assets to an asset management vehicle)
– bail-in measures (the imposition of losses, with an order of seniority, on shareholders and unsecured creditors).
Bail-in
The bail-in tool would enable resolution authorities to write down or convert into equity the claims of the shareholders and creditors of institutions which are failing or likely to fail. Under the Council's general approach agreed today, eligible deposits from natural persons and micro, small and medium-sized enterprises, as well as liabilities to the European Investment Bank, would have preference over the claims of ordinary unsecured, non-preferred creditors and depositors from large corporations. The deposit guarantee scheme, which would always step in for covered deposits (i.e. deposits below €100,000), would have a higher ranking than eligible deposits.
Exclusions
Certain types of liabilities would be permanently excluded from bail-in:
– covered deposits;
– secured liabilities including covered bonds;
– liabilities to employees of failing institutions, such as fixed salary and Pension benefits;
– commercial claims relating to goods and services critical for the daily functioning of the institution;
– liabilities arising from a participation in payment systems which have a remaining maturity of less than even
days;
– inter-bank liabilities with an original maturity of less than seven days."
