The European Banking Regulation Framework Between Risk and Economic Growth the Euro Area Versus the Non-euro Area

Florin Dãnescu ()
Additional contact information
Florin Dãnescu: Bucharest University of Economic Studies

A chapter in Reshaping Power Dynamics Between Sustainable Growth and Technical Disruption, 2024, pp 71-83 from Springer

Abstract: Abstract The European banking market faces, on the one hand, a level playing field gap compared to the US market and, on the other hand, first and foremost for that matter, an internal level playing field gap between the “Euro area + ” versus the “Non-Euro area − ”. In this context, we have deepened the essential aspects that led to these gaps along with the means to a subsequent redirecting towards the intended path, through the analysis of some quantitative and structural ratios. Besides these quantitative factors, there are some qualitative ones that need to be considered in order to determine a full and complete image. The type of economy, the depth of financial, the governance, and the soundness of state institutions, economic freedom versus political freedom, the level of general financial education and of entrepreneurial education, the quantity, structure, and quality of the entrepreneurial environment, the funding structure, should be considered, but first and foremost the main qualitative factor that needs to be considered is the degree of regulation and how this may vary substantially between these areas. The analysis of the main quantitative and qualitative factors has revealed that a unique approach for the regulatory treatment between the two areas has opposite effects and does not support the target—the accession of the “Non-Euro area” to the “Euro area + ” or the completion of the much coveted and expected banking union that would create most of the prerequisites to solve the level playing field gap between Europe and the USA.

Keywords: Banking regulatory framework; Single banking union; Capital accumulation; Bank financing; Financial intermediation (search for similar items in EconPapers)
Date: 2024
References: Add references at CitEc
Citations:

There are no downloads for this item, see the EconPapers FAQ for hints about obtaining it.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:spr:prbchp:978-3-031-58967-6_7

Ordering information: This item can be ordered from
http://www.springer.com/9783031589676

DOI: 10.1007/978-3-031-58967-6_7

Access Statistics for this chapter

More chapters in Springer Proceedings in Business and Economics from Springer
Bibliographic data for series maintained by Sonal Shukla () and Springer Nature Abstracting and Indexing ().