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

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ńňőŁŃŸŃņ 15
›ŞŬūŸŮŞŭ ŢŬŠŞŮŜŞŭ, Ť ۛŷ ŢŪŚůŞŮŤ ŎšŤŠŜŞ ŞŨŨř ŧŞŦ ůū ŮŸũūŨū ůŴũ ŧŞũŷũŴũ
›ūŰ šŦŞ—ūŬűŹũūŰũ ůŤũ ńŰŬŴ›Şŵŧś ŒŬŞ›ŢţŦŧś ĺũŴŮŤ ŧŞůŞůŢŜũūŰũ ŮůŤũ ůŬŜůŤ
Ţŧ ůŴũ ŞũŴůŚŬŴ ŨŸŮŢŴũ. ŒŦ ŢŜũŞŦ ŞŧŬŦşŹŭ ŷ—Ŵŭ Ť resolution; ŏŹŭ ūŬŜţŢůŞŦ
ۛŷ ůū űŴŭ ůūŰ ŮŸŠŲŬūũūŰ ůŬŞ›ŢţŦŧūŸ šŦŧŞŜūŰ ŧŞŦ ›Źŭ šŦŞŧŬŜũŢůŞŦ Ş›ŷ řŨŨŢŭ
ŮŰũŞűŢŜŭ ŚũũūŦŢŭ;
ņ ŚũũūŦŞ ůŤŭ banking resolution ŢŜũŞŦ Ş›ŷůūŧūŭ ůŤŭ ›ŞŠŧŷٗŦŞŭ ūŦŧūũū—Ŧŧśŭ
ŧŬŜŮŤŭ. ņ ŚũũūŦŞ ůŤŭ resolution ůŚťŤŧŢ Ţ›Ŝ ůř›Ťůūŭ Ůůū G20 ůŤŭ ŎŰřŮŦŠŧůūũ
ůū 2008 šŦŞŧŬŦũŷ—ŢũŤ Ş›ŷ ůŦŭ šŦŞšŦŧŞŮŜŢŭ ›ůŹŲŢŰŮŤŭ (bankruptcy procedures)
ŢũŹ ůū 2009 Ůůū G20 ůūŰ ŊūũšŜũūŰ ŚŠŦũŢ ŮŢ šŦŢťũŚŭ ޛŜ›Ţšū ŞũŞűūŬř ŮůŤũ
ŞũřŠŧŤ ťŢٗūťŚůŤŮŤŭ Ţũŷŭ šŦŢťũūŸŭ ũū—ūťŢůŦŧūŸ ›ŨŞŦŮŜūŰ ŠŦŞ ůŦŭ ›ŢŬŦ›ůŹ-
ŮŢŦŭ šŦŞŮŰũūŬŦŞŧśŭ banking resolution (international framework for cross-
border bank resolution arrangements). ńũ ŮŰũŢŲŢŜŞ ůū őۗşūŸŨŦū ŕŬŤ—Ş-
ůū›ŦŮůŴůŦŧśŭ őůŞťŢŬŷůŤůŞŭ ůū 2011 ŮůŞ «łŞŮŦŧř ŕŞŬŞŧůŤŬŦŮůŦŧř ůŴũ Ł›ū-
ůŢŨŢٗŞůŦŧŹũ ŏŨŞŦŮŜŴũ ńŪŰŠŜŞũŮŤŭ ŠŦŞ ŕŬŤ—Şůū›ŦŮůŴůŦŧř ňšŬŸ—ŞůŞ» (Key
Attributes of Effective Resolution Regimes for Financial Institutions) ŞũŞűŚŬ-
ťŤŧŢ ŞũŞŨŰůŦŧŷůŢŬŞ Ůůū ›ŢŬŦŢŲŷ—Ţũū ůŤŭ resolution ŧŞŦ ůŞ ŧŞů’ ŦšŜŞũ —ŚůŬŞ,
ŷ›Ŵŭ —ŢůŞşŦşřŮŢŦŭ ›ŢŬŦūŰŮŦŞŧŹũ ŮůūŦŲŢŜŴũ, —ŢůŞůŬū›Śŭ ś Ş›ū—ŢŜŴŮŤ ۛū-
ŲŬŢŹŮŢŴũ (ŷ.›. ŞũŞŨŰůŦŧř ۛŷ Ł.ňň.1 ).
ņ ŦšŚŞ ůŤŭ banking resolution śšŤ Ş›ŷ ůū 2008 Ş›ūůŚŨŢŮŢ ŮůŷŲū ŧŞŦ ŮŢ ŢŰŬŴ-
›Şŵŧŷ ޛŜ›Ţšū ŧŞŦ řŬŲŦŮŢ ũŞ ›ŞŜŬũŢŦ ŮřŬŧŞ ŧŞŦ ūŮůř Ş›ŷ ůū 2009, ŧŞůř ůŤũ
šŦŞ—ŷŬűŴŮŤ ůŤŭ ńŰŬŴ›Şŵŧśŭ ŒŬŞ›ŢţŦŧśŭ ĺũŴŮŤŭ, —Ţ ůŤũ ›ŬūŢůūŦ—ŞŮŜŞ ůŤŭ
ŏŬŷůŞŮŤŭ ŎšŤŠŜŞŭ 2012/180 (ŧŞŦ ũŰũ ŎšŤŠŜŞŭ 2014/59) 52. Ŏ—ūŜŴŭ Ůůū ŢŨŨŤũŦŧŷ
šŜŧŞŦū Ť ŚũũūŦŞ ůŤŭ resolution (ŢŪŰŠŜŞũŮŤŭ) ŢŦŮśŲťŤ —Ţ ůŤũ ůŬū›ū›ūŜŤŮŤ ůūŰ ũ.
3601/2007 (ŧŞŦ ũŰũ ũ. 4261/201453) Ş›ŷ ůū ũ. 4021/2011 ū ū›ūŜūŭ ŢŦŮśŠŞŠŢ šŸū
—ŚůŬŞ ŢŪŰŠŜŞũŮŤŭ, ůŤũ ›ŹŨŤŮŤ šŬŞŮůŤŬŦūůśůŴũ ŧŞŦ ůū —ŢůŞşŞůŦŧŷ ŜšŬۗŞ,
ŚŲūũůŞŭ Ŵŭ ۛŷšŢŦŠ—Ş ůū ŮŲŚšŦū ůŤŭ ŏŬŷůŞŮŤŭ ŎšŤŠŜŞŭ ŠŦŞ ůŤũ ŢŧŧŞťřŬŦŮŤ
ŧŞŦ ŢŪŰŠŜŞũŮŤ ›ŦŮůŴůŦŧŹũ ŦšŬۗřůŴũ.
52. ń›ŦůŬū›ś, press release, 20-10-2009
1549_en.htm?locale=EN) « The purpose of the Communication is to consult as widely
as possible on a broad range of issues aimed at safeguarding financial stability and the
continuity of banking services in a cross border banking crisis. The Communication sets
out questions on the tools that the Commission considers would be necessary for an
EU crisis management framework. These tools range from “early intervention” action
by banking supervisors aimed at correcting irregularities at banks, to bank resolution
measures which involve the reorganisation of ailing banks, , to insolvency frameworks
under which failed banks are wound up».
53. Ŕńʼn Ł 107/5.5.2014, ū ū›ūŜūŭ ŞũůŦŧŞůŚŮůŤŮŢ ›ŨśŬŴŭ (řŬťŬū 166 ›ŞŬ. 1 ũ. 4261/2014)
ůūũ «ůŬŞ›ŢţŦŧŷ ũŷ—ū» 3601/2007 ŲŴŬŜŭ ŷ—Ŵŭ – Şŧŷ—Ť – ũŞ Ţ›ŦűŚŬŢŦ ŞŨŨŞŠŚŭ Ůůū ›ŢšŜū
ůŴũ —ŚůŬŴũ ŢŪŰŠŜŞũŮŤŭ.