Komisheni inotsanangura matanho ekusimbisa chikamu chemabhanga muEurope nekutsigira kukura

European Commission yakagamuchira a Kukurukurirana pamusoro pemakwikwi echikamu chemabhanga cheEU, vachiisa matanho ekusimbisa Musika Mumwe chete wemabhanga. 

Mutungamiri weEuropean Commission Ursula von der Leyen akati: "Kuita kuti mari ifambe zvakanaka ndizvo zvatichaita kuti Europe ikure. Sangano redu reSavings and Investments Union rinoda chikamu chebhangi chakasimba uye chinokwikwidzana pakati paro. Uye Communication yanhasi iri kutora danho rakajeka munzira iyi, ichigadzirisa maitiro edu ekurwisa njodzi, uye ichigonesa kukura nekugadzira zvinhu zvitsva ukuwo ichichengetedza kugadzikana kwemari." 

Chinangwa ndechekuvaka chikamu chemabhanga chakabatana, chinoshanda zvakanaka, uye chinokwikwidzana chinogona kusimbisa hupfumi hweEurope nekutsigira kukura, hunyanzvi hutsva, uye zvinhu zvakakosha, zvichitsigirwa nehurongwa hwemitemo hwakaenzana, zvichigadzira mamiriro ezvinhu ekuti mabhanga atore njodzi dzakangwarira uku achichengetedza kusimba kwechikamu ichi, kupa mabasa ari nani kumhuri nemabhizinesi, zvese izvi zvichichengetedza kugadzikana kwemari uye kukurudzira kukura kwakasimba. 

Kutaurirana uku ndiyo nheyo huru yeKomisheni Nzira yeSavings and Investments Union (SIU): kuva nebazi remabhanga rine simba uye chiyero chekutsigira kukura kwezvinhu uye zvinhu zvakakosha, zvakaita sekuvandudza zvinhu zvitsva, shanduko yakachena, uye dziviriro, ukuwo vachipa mabasa emari emhando yepamusoro kumhuri nemabhizinesi. 

Mushure mekubvunzana neveruzhinji uye kutaurirana neNhengo dzeNyika, vane chekuita nebhizinesi, uye vane masimba ekutarisira, Komisheni yakaona matambudziko matatu makuru anotadzisa chikamu chemabhanga kutsigira hupfumi hweEU zvinobudirira. 

Chekutanga, chikamu ichi chinoramba chakakamurwa zvakanyanya maererano nenyika. Izvi zvinodzivirira mabhanga eEU kuti asakure uye akwikwidzane pasi rose muzvikamu zvakakosha zvemusika uye kuwana mashandiro akanaka pamiganhu. Chechipiri, nzira iyo mitemo yebhangi yepasi rose, inozivikanwa seBasel III standards, inoshandurwa kuita EU framework haiwanzo ratidza hunhu hwenzvimbo yebhangi reEU. Chirongwa ichi chinofanira kushanda zviri nani kumabhanga makuru nemadiki. Chechitatu, zvimwe zvikamu zvehurongwa hwemitemo yeEU, kusanganisira kudyidzana pakati pemitemo ye microprudential, macroprudential uye resolution, pamwe nezvinodiwa zvekushuma, zvakaoma uye zvinorema uye zvinofanirwa kurerutswa. Kugadzirisa matambudziko aya matatu kwakakosha pakuvaka chikamu chebhangi chisingangogadziki uye chinokwikwidza, asiwo chinokwanisa kutsigira hupfumi hweEU. 

Kusimudzira kukwikwidzana kunoda shanduko yetsika mumabhanga kuenda kune kutora njodzi zvine mutoro uye zvakayerwa. Kurerutsa hurongwa hwemitemo, kubatanidza Musika Mumwe chete uye kupedzisa Banking Union kwaizobatsira vagari vemuEU nemabhizinesi kuwana zvigadzirwa nemasevhisi ari nani pamitengo iri nani.  

Matanho akakosha 

Kutaurirana kunoratidza matanho akakosha akavakirwa pazvinangwa zvitatu. 

Chekutanga: kubvisa zvipingamupinyi pamabasa emabhangi anoyambuka miganhu uye kukurudzira kubatanidzwa kwemusika. Today's Communication inotsanangura nzira yekuderedza zvipingamupinyi zvine hungwaru uye zvisina hungwaru pamabasa anoyambuka miganhu kuitira kuti mabhanga eEU asvike padanho rinodiwa kuti akwikwidzane pasi rose. Izvi zvinosanganisira matanho anotevera: 

• Kubvumira mapoka emabhangi anopinda mumiganhu kuti ashandise mari nemari yakawanda zviri nani muEU yese: izvi zvaizobvumira mapoka kuti atumire mari yakawandisa kwaanogona kubudirira pasina kukanganisa kugona kwavo kubhadhara hupfumi hwemuno, uye pasina kukanganisa kugadzikana kwemari muMusika Mumwe chete uye muNyika imwe neimwe yeNhengo. 

• Kusimbisa dziviriro dzakajairika: Komisheni ichatsvaga kuwedzera kuvimbana muhurongwa hwemari uye pakati pevatariri nekupa nzira iri nyore uye inoshanda yekudzivirira mari yakajairika muBanking Union. Izvi zvichatsiva chirongwa che2015 European Deposit Insurance Scheme uye zvichavaka pane zviripo zvekuchengetedza zvepakati nezvenyika, izvo zvino zvatsigirwa zvizere.  

• Kunyatso tarisa hurongwa hweEU hwekudzivirira kushambidzwa kwemari uye hwekuchengetedza vatengi pamwe nekushandiswa kwahwo munyika yese: izvi zvaizoita kuti zvive nyore kumabhangi kupa mabasa kunze kwemiganhu yenyika.

Chechipiri: kushandisa mitemo yepasi rose uchitarisa zvinhu zvakanangana neEU uye kuenzana kwayo. EU inoramba yakazvipira kushandisa mitemo yepasi rose uku ichiratidza zviri nani zvinhu zvakanangana nebazi remabhanga reEU. Kuti kuchengetedza nhandare yepasi rose uye kutsigira mabhanga eEU kuti akwikwidzane pasi rose, matanho akatarwa muCommunication anosanganisira: 

• Kuongororazve kuti EU inoshandisa sei mimwe mitemo yepasi rose, iyo dzimwe nguva inogona kunge ichideredza kugona kwemabhanga eEU kukweretesa mari. 

• Kugadziriswa kunogona kuitika kwemitemo yekutonga kwemakambani kuti iratidze zviri nani hunhu hwemabhangi eEU maererano nehukuru hwemabhangi, mamodheru ebhizinesi, uye mabasa awo.  

Chekupedzisira: hurongwa hwemitemo yemabhanga hunofanirwa kurerutswa sechikamu chechinangwa chakakura cheKomisheni chekuderedza mutoro wekutonga. Kuvimba nehurongwa hwemabhanga kunoenderana nedziviriro yakasimba, asi kuomarara kusingakoshi kunofanira kuderedzwa uye zvinodiwa zvinofanirwa kuitwa kuti zvive pachena uye zvinofungidzirwa kumabhanga nevatungamiriri zvakafanana. Kunyanya, Kutaurirana kunoratidza:  

• Kurerutsa huwandu hwemari inoshandiswa mubhangi uye kuwedzera kuwirirana kwema "macroprudential buffers" emabhangi. 

• Kugadzirisa uye kugadzirisa zvinodiwa nemari yekugadzirisa nekugadzirisa mashandiro ayo. 

• Kugadzirisa zvinodiwa uye zvipimo zve "masangano madiki uye asina kuoma" uye kugadzirisa zvinodiwa zvavo. 

Matanho anotevera 

Komisheni ine vakatsvaga mhinduro kune vane chekuita nazvo, uye vanopindura vanogamuchirwa kutumira maonero avo kana kuti pfungwa dzavo mumwedzi inotevera. Komisheni ichakurudzira muchikamu chekutanga chegore ra2027 hurongwa hwematanho ekugadzirisa hurongwa hwemitemo yebhangi uye kuita izvi, zvichienderana nezvinangwa zve Mepu yemugwagwa weOne Europe, One Market. Panguva imwe cheteyo, Communication inoshevedza nyika dziri nhengo, vane masimba ekutarisira, uye indasitiri yemabhanga kuti varambe vachiedza kuvandudza kukwikwidzana kwemabhanga. 

kumashure 

Chirongwa cheSIU chinangwa ndechekuvandudza nzira iyo hurongwa hwemari hweEU hunoshandisa mari mukudyara zvine pundutso. Chinotarisira chikamu chebhangi chinoshanda uye chakabatana chakavakirwa pabhuku rimwe chete remitemo uye Banking Union yakazadzikiswa. Chirongwa ichi chakabatana neCompanyness Compass yeEU, yakagadzirwa mukupindura kurudziro dzemishumo yeLetta neDraghi; Sangano reMusika Mumwe; uye gwara remugwagwa reOne Europe, One Market.  

Kuti uwane mamwe mashoko

Mibvunzo neMhinduro 

kutaurirana

Staff Working Document 

Pfupiso yeKubvunzana Kwakanangana 

Pfupiso yeKudanwa kweUchapupu 

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