Η ΟΔΗΓΙΑ 2014/59 ΓΙΑ ΤΗΝ ΕΚΚΑΘΑΡΙΣΗ ΚΑΙ ΕΞΥΓΙΑΝΣΗ ΠΙΣΤΩΤΙΚΩΝ ΙΔΡΥΜΑΤΩΝ

27 / 36

ńňőŁŃŸŃņ 7
›ŬŷůŞŮŤ ʼnŞũūũŦٗūŸ ůŤŭ ńŰŬŴ›Şŵŧśŭ ń›ŦůŬū›śŭ ŮŲŢůŦŧř —Ţ ůūũ ŢũŴŮŦŞŧŷ űū-
ŬŚŞ ŢŪŰŠŜŞũŮŤŭ ›ŦŮůŴůŦŧŹũ ŦšŬۗřůŴũ (2013/0253 COD), ůūũ ū›ūŜū ŢŜŲŢ ŢŧšŹ-
ŮŢŦ Ť ń›ŦůŬū›ś ůūũ ňūŸŨŦū ůūŰ 201324, ůŤũ 20Ť ŋŞŬůŜūŰ 2014 ޛśŨťŢ ŮۗűŴũŜŞ
—ŢůŞŪŸ őۗşūŰŨŜūŰ ŧŞŦ ńŰŬŴ›ŞŵŧūŸ ʼnūŦũūşūŰŨŜūŰ25 ŧŞŦ ůū ůŢŨŦŧŷ ŧŢŜ—Ţũū šŤ-
—ūŮŦŢŸťŤŧŢ ŮůŤũ ńűŤ—ŢŬŜšŞ ůŤŭ ńŰŬŴ›Şŵŧśŭ ĺũŴŮŤŭ ůŤũ 30.6.2014 (ŞŬŦť. ʼnŞ-
ũūũŦٗūŸ 806/2014). ŋŢ ůūũ ʼnŞũūũŦٗŷ 806/2014 ťŢٗūťŢůŢŜůŞŦ ū ńũŦŞŜūŭ ŋŤ-
ŲŞũŦٗŷŭ ńŪŰŠŜŞũŮŤŭ (Single Resolution Mechanism, SRM). ŔūŬŚŞŭ ůūŰ ńũŦŞŜūŰ
ŋŤŲŞũŦٗūŸ ńŪŰŠŜŞũŮŤŭ ŢŜũŞŦ Ť ń›ŦůŬū›ś ŮŢ ŮŰũŢŬŠŞŮŜŞ —Ţ ŢŦšŦŧŷ őۗşūŸŨŦū
ŧŞŦ —Ţ ůŦŭ ŢťũŦŧŚŭ ŞŬŲŚŭ ŢŪŰŠŜŞũŮŤŭ (ńũŦŞŜū őۗşūŸŨŦū ńŪŰŠŜŞũŮŤŭ) 26. ňšŬŸťŤ-
ŧŢ, ޛŜŮŤŭ, ůū ńũŦŞŜū ŒŞ—ŢŜū ńŪŰŠŜŞũŮŤŭ (Single Resolution Fund) ůū ū›ūŜū ŲŬŤ-
—ŞůūšūůŢŜůŞŦ Ş›ŷ ůŞ ›ŦŮůŴůŦŧř ŦšŬŸ—ŞůŞ ůŴũ ŧŬŞůŹũ —ŢŨŹũ27. ŏŬŷŧŢŦůŞŦ ŠŦŞ
ůū ޛŷ—Ţũū şś—Ş —Ţůř ůūũ SSM28.
ŒŤũ 6Ť ňūŰũŜūŰ 2012 Ť ń›ŦůŬū›ś ›ŬŷůŢŦũŢ —ŦŞ ŎšŤŠŜŞ «ŠŦŞ ůŤ ťŚŮ›ŦŮŤ ›ŨŞŦŮŜūŰ
ŠŦŞ ůŤũ ŞũřŧŞ—ųŤ ŧŞŦ ůŤũ ŢŪŰŠŜŞũŮŤ ›ŦŮůŴůŦŧŹũ ŦšŬۗřůŴũ ŧŞŦ ޛŦŲŢŦŬśŮŢŴũ
ޛŢũšŸŮŢŴũ ŧŞŦ ŠŦŞ ůŤũ ůŬū›ū›ūŜŤŮŤ ůŴũ ūšŤŠŦŹũ 77/91/ńŎʼn ŧŞŦ 82/891/ńʼn
ůūŰ őۗşūŰŨŜūŰ, ůŴũ ūšŤŠŦŹũ 2001/24/ńʼn, 2002/47/ńʼn, 2004/25/ńʼn, 2005/56/
ńʼn, 2007/36/ńʼn ŧŞŦ 2011/35/ńʼn ŧŞŦ ůūŰ ŧŞũūũŦٗūŸ (ńń) ŞŬŦť. 1093/2010»
(ŠũŴŮůś Ŵŭ Banking Recovery and Resolution Directive, BRRD). ŒŤũ 12Ť ¨Ţ-
24. ŒŤũ 10.7.2013, şŨ. ń›ŦůŬū›ś, press release, Commission proposes Single Resolution Mechanism
for the Banking Union,
ŒŤũ 11.9.2013 Ť ũū—Ŧŧś ۛŤŬŢŮŜŞ ůūŰ őۗşūŰŨŜūŰ (Council’ s legal service) ŧŞůŚŨŤŪŢ ŷůŦ
ůū řŬťŬū 114 őŊńń —›ūŬŢŜ ũŞ Ş›ūůŢŨŚŮŢŦ ũū—Ŧŧś şřŮŤ ŠŦŞ ůŤũ ťŢٗūťŚůŤŮŤ ůūŰ ńũŦŞŜūŰ
ŋŤŲŞũŦٗŷ ńŪŰŠŜŞũŮŤŭ ŠŦŞ ůŤũ ›ŬūŮŚŠŠŦŮŤ ůŴũ ŢťũŦŧŹũ ũū—ūťŢŮŦŹũ —Ţ ŞũůŦŧŢŜ—Ţũū ůŤũ
ŢŠŧŞťŜšŬŰŮŤ ůŤŭ ŢŮŴůŢŬŦŧśŭ ŞŠūŬřŭ, ŧŞťŹŭ ū SRM ŮŰũůŢŜũŢŦ ŮůŤũ ŧŞŨŸůŢŬŤ ŨŢŦůūŰŬŠŜŞ
ůŤŭ ŢŮŴůŢŬŦŧśŭ ŞŠūŬřŭ.
25. ń›ŦůŬū›ś, press release 20.3.2014, European Parliament and Council back Commission’s
proposal for a Single Resolution Mechanism: a major step towards completing the
banking union,
26. ĸŬťŬū 1 ůūŰ ʼnŞũūũŦٗūŸ 806/2014. Ŏ ŢŰŬŴ›ŞŜūŭ ũū—ūťŚůŤŭ ťŚŨŤŮŢ ũŞ —Ťũ ůŞŰůŜţŢůŞŦ ū
űūŬŚŞŭ ůŤŭ ޛū›ůŢŜŞŭ —Ţ ůūũ űūŬŚŞ ůŤŭ ŢŪŰŠŜŞũŮŤŭ, şŨ. ŞũůŜťŢůŞ Ůůū šŜŧŞŦū ůŤŭ ŃŢŬ—Ş-
ũŜŞŭ, ůŤŭ ŁŰŮůŬŜŞŭ ŧŞŦ ůūŰ ŊūŰŪޗşūŸŬŠūŰ.
27. ¨ŢŧŞŢůśŭ ŮůŷŲūŭ ŢŜũŞŦ Ť ŲŬŤ—ŞůūšŷůŤŮŤ ůūŰ ůŞ—ŢŜūŰ ŞŰůūŸ ũŞ ŞũŚŬŲŢůŞŦ Ůůū 1% ůūŰ ›ū-
ŮūŸ ŷŨŴũ ůŴũ ŧŞůŞťŚŮŢŴũ ŷŨŴũ ůŴũ ›ŦŮůŴůŦŧŹũ ŦšŬۗřůŴũ, şŨ. ŧŞŦ řŬťŬū 102 ›ŞŬ. 1
ůŤŭ ŎšŤŠŜŞŭ 2014/59.
28. “ œhe recent financial crisis in Cyprus highlighted the need for swift and decisive action
backed by EU level funding arrangements financed by the banking sector, in order
to avoid a situation in which bank resolution conducted at national level would have
a disproportionate impact on the real economy, and to curb uncertainty and prevent
bank runs and contagion of other parts of the euro area and the Internal Market. A
network of national authorities, even if coordinated at intergovernmental level, is not
sufficiently operational in this respect.”, ń›ŦůŬū›ś, The SRM –essential for a stronger
single market & EMU and to avoid bank bail-outs, őޛůŚ—şŬŦūŭ 2013.