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Commercial Banking in Transition : A Cross-Country Analysis



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Autore: Bodellini Marco Visualizza persona
Titolo: Commercial Banking in Transition : A Cross-Country Analysis Visualizza cluster
Pubblicazione: Cham : , : Springer International Publishing AG, , 2024
©2024
Edizione: 1st ed.
Descrizione fisica: 1 online resource (460 pages)
Disciplina: 332.12
Altri autori: GimiglianoGabriella  
SinghDalvinder  
Nota di contenuto: Intro -- Foreword -- Contents -- Notes on Contributors -- List of Figures -- List of Tables -- 1 Introduction -- 1 Aims and Pillars of the Book -- 2 Structure of the Book -- 3 Looking Ahead -- Part I The European Union -- 2 Intermediaries' Model in Banking and Finance and the Treatment of Fintech in the European Union: A Critical Approach -- 1 Introduction -- 2 The European Model of Intermediation in Bank and Finance Markets -- 3 Fintech and Circumvention of the Intermediaries' Model -- Internet and the Availability of Information -- Binding Two Parts of the Market Through a Sole Intermediary -- The End of Mandatory Intermediaries in the Blockchain System -- 4 Approaches of European Authorities -- Opening New Services and Diminishing the Scope of the Monopoly -- Offering a More Direct Approach Through Exemptions -- Extending Monopolies to New Market and Technics -- 5 Conclusions -- 3 FinTech and Competition Regulatory Concerns in the EU Banking Business Framework -- 1 Introduction -- 2 From the Liberalization Process for Commercial Banks to the project of a Digital Euro -- 3 Price and Non-Price Competition Among Card-Based Payment Systems -- 4 Collecting and Sharing Credit Data -- 5 Conclusions -- 4 Prudential Regulation Policy Responses to Financial Technological Innovations: The Future for Banks and Crypto-Finance? -- 1 Introduction -- 2 New Market Opportunities for Mainstream Commercial Banks in Crypto-Finance? -- The Basel Committee's Prudential Policy for Crypto-Assets -- The Contest of Regulatory Objectives -- What Potential Business Lines in Crypto-Finance for Banks? -- 3 Secured Crypto Lending by Banks? -- Law and Policy Reform for Security Aspects of Crypto Collateral -- Recognition as Financial Collateral -- Reform in Prudential Treatment for Risk Mitigation -- 4 Conclusion.
5 Digitalizing the Commercial Banking Business Model: Vanishing Bank Branches and the Risks of Financial Exclusion of the Elderly -- 1 Introduction -- 2 Access to Financial Services by the Elderly -- 3 The Risks of Financial Exclusion of the Elderly -- 4 The Current State of EU Law: The Case for Legislative Intervention -- 5 Potential Legislative Strategies -- 6 Conclusion -- 6 The 'Game Changer' in the Euro Area: Banking Union and Commercial Banking -- 1 Introduction -- 2 The Establishment of Banking Union -- 3 The Functioning of an Incomplete Banking Union -- 4 Banking Union at the Test of the Covid Pandemic -- 5 Conclusion -- 7 The Financing of Problem Banks: Critical Issues and Challenges Ahead -- 1 Introduction -- 2 Emergency Liquidity Assistance: Definition and Requirements -- Critical Aspects of ELA and the Rationale for Vesting Central Banks with ELA Functions -- Central Banking in the Euro-Area and ELA Provision in the Banking Union -- The Inconsistencies of the Framework Currently in Place -- 3 Deposit Guarantee Schemes -- DGSs Optional Measures to Prevent a Bank's Failure -- DGSs Optional Measures in the Context of a Bank's Liquidation -- Legal Obstacles to the Implementation of the DGSs' Optional Measures -- 4 Concluding Remarks -- 8 The Review of the EU Bank Crisis Management and Deposit Insurance Framework -- 1 Introduction -- 2 Bank Resolution in the EU and the United States -- 3 Building up MREL Capacity -- 4 Review of the Crisis Management and Deposit Insurance Framework -- 5 Cooperative and Savings Banks -- 6 Why the Completion of the EU Capital Markets Union Matters -- 7 Cooperation Is Key for Success in Resolution Planning -- 8 Concluding Remarks -- 9 Sustainable Commercial Banking in European Union Law: A Renewed Mandate for Commercial Banks? -- 1 Introduction.
2 Sustainability as an Object of Disclosure: Commercial Banks' Sustainability Reporting -- Commercial Banks Subject to Sustainability Reporting: Towards an Expanded Subjective Scope -- EU Binding Common Reporting Standards and the Limits to Commercial Banks' Sustainability Reporting Discretion -- The Potential of Trusteeship Strategies on the Quality of Commercial Banks' Sustainability Reporting -- 3 Sustainability as an Objective to be Considered (and Pursued?) by Commercial Banks -- The CRD VI Proposal: Inward-looking Sustainability and Directors' Duty of Care in Commercial Banks -- The CSDD Proposal: Outward-looking Sustainability, Directors' Duties and the Emergence of an EU-Wide Corporate Objective for Commercial Banks -- 4 Summary and Concluding Remarks -- 10 Commercial Banks and Competition Concerns-SDG Policy Priorities -- 1 Introduction -- 2 The Ambition and the Struggles: The "How to" Towards Sustainable Commercial Banking -- General Considerations-Internal Challenges -- Specific Challenges with ESG Disclosures and Standardization of Sustainability Reporting-The Multitude of Regulative Sources -- NLB Sustainability Roadmap 2022-2023: Developing a Climate-Conscious Transition Strategy -- 3 Conclusion -- Part II The Anglo-Saxon Systems -- 11 Central Bank Digital Currency and the Agenda of Monetary Devolution -- 1 Introduction -- 2 The Justifications for Creating a CBDC -- 3 The Agenda of Monetary Devolution -- 4 Sovereign Money and the Fragility of Private Money -- Devolution of Monetary Powers as a Response -- 5 The Mechanics -- 6 The Choice at Hand -- 7 Politics in the Origin -- 8 Conclusion -- 12 Open Banking in the UK: A Co-opetition Scenario for Innovation and Evolution in the UK Retail Banking Sector -- 1 Introduction -- 2 Background -- The Problem: CMA Market Investigation -- The Solution: Retail Banking Market Investigation Order 2017.
3 Open Banking: Co-opetition and Innovation in the UK Retail Banking -- Open Banking -- CMA9 -- Co-opetition and CMA 2017 Order -- Evolution of the UK Retail Banking Sector -- Competition and Changing Market Structure -- Open Banking Technology and Innovation -- Customer Engagement: From Switching to Navigating Ecosystems -- 4 Conclusions: Co-opetition Scenario for Policy-Led Innovation and Evolution in Retail Banking -- 13 Rethinking Crypto-Regulation for Crypto-Investors in the UK -- 1 Introduction -- 2 Defining Crypto-Assets -- 3 The Current UK Regulatory Framework for Crypto-Assets -- 4 Risks to Retail Investors and a Proposal for Protection -- 5 Conclusion -- 14 Cross-Border Recognition of Foreign Resolution Actions: The Statutory Regime in the United Kingdom -- 1 Introduction -- 2 The Rationale for a Statutory Recognition Regime -- The UK Position Before the 2007-2008 Financial Crisis -- The FSB Key Attributes of Effective Resolution Regimes -- Jurisdictional Implementation of FSB Key Attribute 7 -- 3 Circumstances Where Recognition Will Be Granted -- The Definition of "Third-Country Resolution Action" -- "Broadly Comparable": Objectives and Anticipated Results -- 4 Refusal of Recognition (in Whole or in Part) -- Adverse Impact on UK Financial Stability -- Independent Action Is Necessary to Resolve a UK Branch -- Discrimination Against UK Creditors -- Material Fiscal Implications -- Recognition Would Be Contrary to the ECHR -- Exercising Stabilisation Powers to Support a Foreign Resolution -- 5 The Process and Legal Effect of Recognition -- The Time Frame for Taking a Decision -- The Recognition Instrument and Its Effect -- Duty to Give Reasons? -- Challenging a Recognition Decision -- 6 Concluding Remarks -- 15 The Impact of Climate Change on the Economy and Financial System: Legal Aspects of the Bank of England's Response -- 1 Introduction.
2 The Legal Framework for Combating Climate Change -- The United Nations Framework Convention on Climate Change (the "Convention") -- The Paris Agreement (the "Agreement") -- R (Application of Friends of the Earth Limited and Others) v Heathrow Airport Limited (the "Heathrow Case") -- Climate Change Act 2008 (the "CCA") -- 3 The Relevance of Climate Change to the Bank of England's Remit and the Objectives of Its Statutory Committees -- The Monetary Policy Committee ("MPC") -- The Financial Policy Committee ("FPC") -- The Prudential Regulation Committee ("PRC") -- 4 Actions Taken by the Bank in Response to Climate Change -- Ensuring the Financial System Is Resilient to Climate-Related Financial Risks -- Supporting Firm-Led Collaboration to Enable an Orderly Transition to Net Zero -- Supporting an Orderly Transition to Net-Zero Emissions: Contributing to a Coordinated International Approach to Climate Change -- Demonstrating Best Practice Through Its Own Operations -- 5 Concluding Remarks -- Part III China and South Korea -- 16 Chinese Commercial Banks and Fintech-Competition and Collaboration -- 1 Introduction -- 2 Structural Overview of China's Banking Sector -- 3 Fintech Industry in China -- Mobile Payments -- Money Market Funds -- Online Lending -- 4 Fintech Challenges and China's Big Banks -- 5 Fintech Challenges and Small and Medium-sized Banks (SMBs) -- 6 Concluding Remarks -- 17 Fintech and Banking Reform: A Perspective from China -- 1 Introduction -- 2 Fintech-Driven Banking Reform -- Online Finance -- Electronic Payment -- Offline Banking Business Moved to Online Processing -- Online Loans -- Trade Finance Blockchain Platform -- Trade Finance Blockchain Platform Led by Banking Consortium -- Trade Finance Blockchain Platform Led by Public Sector -- Data Governance in Banks.
3 The Influence and Reform of Central Bank Digital Currencies in China (e-CNY) to Commercial Banks.
Titolo autorizzato: Commercial Banking in Transition  Visualizza cluster
ISBN: 3-031-45289-5
Formato: Materiale a stampa
Livello bibliografico Monografia
Lingua di pubblicazione: Inglese
Record Nr.: 9910835057703321
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Serie: Palgrave Macmillan Studies in Banking and Financial Institutions Series