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

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12 ņ Ŏ¨ņŃňŁ 2014/59 ŃňŁ ŒņŌ ńʼnʼnŁŇŁŐňőņ ʼnŁň ńōœŃňŁŌőņ ŏňőŒŸŒňʼnŸŌ ň¨ŐœŋŁŒŸŌ
—ŞůŞ, ŷ›Ŵŭ ůŸŲŤ ŮۗűŴũŦŹũ ŮۗųŤűŦٗūŸ ś ›ŬŷŴŬŤŭ ŧŞůŞŠŠŢŨŜŞŭ ůŤŭ ŮŸ—-
şŞŮŤŭ ŮŢ ›ŢŬŜ›ůŴŮŤ ŢŪŰŠŜŞũŮŤŭ, ůŞ šŦŧŞŦŹ—ŞůŞ Ş›ūţŤ—ŜŴŮŤŭ ůŴũ ťŦŠū—ŚũŴũ
—ŢůŷŲŴũ ŧŞŦ ›ŦŮůŴůŹũ, Ť šŰũŞůŷůŤůŞ šŤ—ŷŮŦŞŭ ŢũŜŮŲŰŮŤŭ ś Ş›ŷŧůŤŮŤŭ —Ţůū-
ŲŹũ Ş›ŷ ůū ¨Ť—ŷŮŦū Ŵŭ ŚŮŲŞůŤ ŨŸŮŤ, Ť šŦŞŮŰũūŬŦŞŧś ŮŰũŢŬŠŞŮŜŞ, ū ŮŲŢšŦŞ-
ٗŷŭ ůŤŭ ŢŪŰŠŜŞũŮŤŭ ŧ.Ũ›.
2. őŢ ńŰŬŴ›Şŵŧŷ ń›Ŝ›Ţšū
őůū ›ŨŞŜŮŦū ŞŰůŹũ ůŴũ —ŚůŬŴũ šŦŞŲŢŜŬŦŮŤŭ ůŤŭ ūŦŧūũū—Ŧŧśŭ ŧŬŜŮŤŭ (crisis
management), ůŤũ 6Ť ňūŰũŜūŰ 2012 Ť ń›ŦůŬū›ś ŰŦūťŚůŤŮŢ —ŦŞ ŏŬŷůŞŮŤ ŎšŤŠŜŞŭ
ŠŦŞ ůŤũ ŢŧŧŞťřŬŦŮŤ ŧŞŦ ŢŪŰŠŜŞũŮŤ ›ŦŮůŴůŦŧŹũ ŦšŬۗřůŴũ (Banking Recovery
and Resolution Directive, BRRD), ޛŦŲŢŦŬŹũůŞŭ ŠŦŞ ›ŬŹůŤ űūŬř ůŤũ ŢũŞŬ—ŷ-
ũŦŮŤ ůŴũ ŢťũŦŧŹũ ũū—ūťŢŮŦŹũ Ůůūũ ůū—ŚŞ ŞŰůŷ. ņ ŏŬŷůŞŮŤ ŎšŤŠŜŞŭ řũůŨŤŮŢ
ůŦŭ ŬŰť—ŜŮŢŦŭ ůŤŭ ŧŞŦ Ş›ŷ ůūũ ŞŠŠŨŦŧŷ ũŷ—ū Banking Act 2009 ŞŨŨř ŧŞŦ Ş›ŷ ůŞ
Ŵŭ řũŴ Key Attributes ůūŰ FSB. ńŜũŞŦ ŮŤ—ŞũůŦŧŷ ũŞ Ţ›ŦŮŤ—ŞũťŢŜ ŷůŦ Ť BRRD
šŦŞŧŬŜũŢůŞŦ Ş›ŷ ůūũ ńũŦŞŜū ŋŤŲŞũŦٗŷ ńŪŰŠŜŞũŮŤŭ, ›ŞŬŷůŦ Ş›ūůŢŨūŸũ šŸū ŢŬ-
—ŧŨŚ ůŰŬŧųţŝş ůŴũ ›ŰŨŹũŴũ ůŤŭ ńŰŬŴ›Şŵŧśŭ ŒŬŞ›ŢţŦŧśŭ ĺũŴŮŤŭ ŧŞŦ űŰŮŦŧř
ŮŰũšŚūũůŞŦ —ŢůŞŪŸ ůūŰŭ (ū ńũŦŞŜūŭ ŋŤŲŞũŦٗŷŭ ńŪŰŠŜŞũŮŤŭ ťŞ ŨŞ—şřũŢŦ Ş›ŷ-
űŞŮŤ ŠŦŞ ůŤũ ťŚŮŤ Ţũŷŭ ›ŦŮůŴůŦŧūŸ ŦšŬŸ—Şůūŭ ŮŢ ŢŪŰŠŜŞũŮŤ ŧŞŦ ťŞ ŧŞťūŬŜţŢŦ
ůŞ —ŚůŬŞ ›ūŰ ťŞ ŢűŞŬ—ūŮťūŸũ, —Ţůř Ş›ŷ ŢũŤ—ŚŬŴŮŤ Ş›ŷ ůŤũ ńŰŬŴ›Şŵŧś ʼnŢ-
ũůŬŦŧś ŒŬř›ŢţŞ Ŵŭ űūŬŚŞ ůūŰ ńũŦŞŜūŰ ŋŤŲŞũŦٗūŸ ń›ū›ůŢŜŞŭ ŠŦŞ ůŤũ ŚŨŨŢŦųŤ
şŦŴŮŦ—ŷůŤůŞŭ). ŏŬŷŧŢŦůŞŦ ŠŦŞ ŎšŤŠŜŞ ŢŨřŲŦŮůŤŭ ŢũŞŬ—ŷũŦŮŤŭ, šŦŷůŦ Ůŧū›ŷŭ ůŤŭ
ŢŜũŞŦ Ť ŢŠŧŞťŜšŬŰŮŤ Ţũŷŭ minimum ŬŰť—ŜŮŢŴũ ŠŦŞ ůŤũ ůŬŞ›ŢţŦŧś ŢŪŰŠŜŞũŮŤ
ŧŞŦ ŢŧŧŞťřŬŦŮŤ —Ţ ůŤũ ŢũŞŬ—ŷũŦŮŤ ůŴũ ŢťũŦŧŹũ šŦŧŞŜŴũ ŧŞŦ ŷŲŦ ŚũŞ ›ŞũŢŰŬŴ-
›Şŵŧŷ ›ŨŞŜŮŦū ŢŪŰŠŜŞũŮŤŭ43.
ĻšŤ Ş›ŷ ůū 2008, ůū ŋũŤ—ŷũŦū őŰũŢŬŠŞŮŜŞŭ —ŢůŞŪŸ ůŴũ ń›ū›ůŦŧŹũ ŁŬŲŹũ ůūŰ
ŕŬŤ—Şůū›ŦŮůŴůŦŧūŸ Œū—ŚŞ, ůŴũ ʼnŢũůŬŦŧŹũ ŒŬŞ›ŢţŹũ ŧŞŦ ůŴũ œ›ūŰŬŠŢŜŴũ ŎŦ-
43. łŨ. řŬťŬū 1 ›ŞŬ. 2 ůŤŭ ŎšŤŠŜŞŭ, ŮŢ ŞũůŜťŢŮŤ —Ţ ůŤũ —ŚŠŦŮůŤ ŢũŞŬ—ŷũŦŮŤ ůŴũ ŧŞũŷũŴũ
›ŢŬŜ ŧŢűŞŨŞŦŞŧśŭ ޛřŬŧŢŦŞŭ (CRD IV ŧŞŦ CRR), şŨ. ŠŦŞ ůŤũ —ŚŠŦŮůŤ ŢũŞŬ—ŷũŦŮŤ Ŵŭ —Ś-
ťūšū ŬŸť—ŦŮŤŭ ůŤŭ ŢŮŴůŢŬŦŧśŭ ŞŠūŬřŭ Tison, Financial Market Integration in the post
FSAP Era. In Search of Overall Conceptual Consistency in the Regulatory Framework ŢŦŭ
Ferrarini and Wymeersch (eds), Investor Protection in Europe. Corporate Law-making,
the MiFID and Beyond, OUP, 2006, Ů. 439 ޛ.· Deakin, Legal Diversity and regulatory
Competition: Which Model for Europe?, Centre for Business Research, University Of
Cambridge Working Paper No. 323, 2006, Ů. 15.
ŃŦŞ ůūũ ŨŷŠū ŞŰůŷ ޛŦŨŚŲťŤŧŢ ůū ũū—Ŧŧŷ ŚũšŰ—Ş ůŤŭ ŎšŤŠŜŞŭ ŧŞŦ ŷŲŦ ůūŰ ʼnŞũūũŦٗūŸ,
şŨ. Enoch , The European Union Supervisory Framework and the Crisis Management
Directive-A standards’ perspective, ū—ŦŨŜŞ Ůůū šŦŢťũŚŭ Ůۗ›ŷŮŦū The EU Bank Recovery
and Resolution Directive in Context, Tuebingen 18-19.10.2013 “the RRD proposal rests on
harmonizing national frameworks rather than establishing a new centralized framework
for resolution”.