{"id":8169,"date":"2023-03-29T15:17:12","date_gmt":"2023-03-29T13:17:12","guid":{"rendered":"http:\/\/0"},"modified":"2023-03-29T15:17:12","modified_gmt":"2023-03-29T13:17:12","slug":"bancne-insolvence-kako-bi-ukrepala-eu","status":"publish","type":"post","link":"https:\/\/www.aacc.co.at\/sl\/bancne-insolvence-kako-bi-ukrepala-eu\/","title":{"rendered":"Ban\u010dna insolventnost v Evropi: Kak\u0161na bi bila reakcija EU?"},"content":{"rendered":"<div class=\"vgblk-rw-wrapper limit-wrapper\"><a href=\"https:\/\/www.aacc.co.at\/wp-content\/uploads\/2023\/03\/B2.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-8171\" src=\"https:\/\/www.aacc.co.at\/wp-content\/uploads\/2023\/03\/B2.jpg\" alt=\"\" width=\"1200\" height=\"900\" srcset=\"https:\/\/www.aacc.co.at\/wp-content\/uploads\/2023\/03\/B2.jpg 1200w, https:\/\/www.aacc.co.at\/wp-content\/uploads\/2023\/03\/B2-300x225.jpg 300w, https:\/\/www.aacc.co.at\/wp-content\/uploads\/2023\/03\/B2-1024x768.jpg 1024w, https:\/\/www.aacc.co.at\/wp-content\/uploads\/2023\/03\/B2-768x576.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Kolaps Silicon Valley Bank kot tudi likvidnostne te\u017eave banke Credit Suisse in njen prevzem s strani UBS so poskrbeli za velik preplah v finan\u010dnem sektorju.<\/p>\n<p>\u010ce sistemsko relevantne in \u010dezmejno delujo\u010de kreditne ustanove postanejo insolventne zaradi finan\u010dnih te\u017eav, je<span class=\"Apple-converted-space\">\u00a0<\/span>lahko zaradi tega ogro\u017eena stabilnost finan\u010dnega trga. V Evropski uniji so uporabili izku\u0161nje iz finan\u010dnih kriz 2007 in 2009 ter obudili enotni mehanizem za re\u0161evanje bank. Ta naj bi zagotavljal, da v primeru zloma sistemsko ustreznih evropskih bank<span class=\"Apple-converted-space\">\u00a0 <\/span>za stro\u0161ke jam\u010dijo<span class=\"Apple-converted-space\">\u00a0 <\/span>lastniki in upniki ter da<span class=\"Apple-converted-space\">\u00a0<\/span>za re\u0161evanje niso potrebna nikakr\u0161na davkopla\u010devalska sredstva.<\/p>\n<p>Finan\u010dna opora re\u0161evalnega<span class=\"Apple-converted-space\">\u00a0 <\/span>mehanizma je enotni sklad za re\u0161evanje, ki se finansira iz ban\u010dnega sektorja.<span class=\"Apple-converted-space\">\u00a0<\/span>V primeru, da sredstva upnikov, delni\u010darjev in velikih vlagateljev neke kreditne ustanove<span class=\"Apple-converted-space\">\u00a0 <\/span>v procesu uspe\u0161nega poteka sanacije<span class=\"Apple-converted-space\">\u00a0<\/span>banke v te\u017eavah ne bi zadostovala, bi se vklju\u010dil re\u0161evalni<span class=\"Apple-converted-space\">\u00a0<\/span>sklad.<\/p>\n<p>Enotni odbor za re\u0161evanje<span class=\"Apple-converted-space\">\u00a0<\/span>je pristojen samo za najve\u010dje banke v Evroobmo\u010dju in za Bolgarijo, s 1. januarjem 2023 je bilo teh 115. Za vse ostale denarne ustanove pa so pristojni zadevni dr\u017eavni organi za re\u0161evanje. V Avstriji je tak\u0161en re\u0161evalni<span class=\"Apple-converted-space\">\u00a0<\/span>organ finan\u010dnega trga FMA.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.aacc.co.at\/wp-content\/uploads\/2026\/11\/O41-fassade-eines-bankgebaeudes-envato-MNAE2GT.jpg\"><img decoding=\"async\" class=\"alignnone size-large wp-image-9000731\" src=\"https:\/\/www.aacc.co.at\/wp-content\/uploads\/2026\/11\/O41-fassade-eines-bankgebaeudes-envato-MNAE2GT-1024x683.jpg\" alt=\"Pro\u010delje ban\u010dne stavbe\" width=\"1024\" height=\"683\" srcset=\"https:\/\/www.aacc.co.at\/wp-content\/uploads\/2026\/11\/O41-fassade-eines-bankgebaeudes-envato-MNAE2GT-1024x683.jpg 1024w, https:\/\/www.aacc.co.at\/wp-content\/uploads\/2026\/11\/O41-fassade-eines-bankgebaeudes-envato-MNAE2GT-300x200.jpg 300w, https:\/\/www.aacc.co.at\/wp-content\/uploads\/2026\/11\/O41-fassade-eines-bankgebaeudes-envato-MNAE2GT-768x512.jpg 768w, https:\/\/www.aacc.co.at\/wp-content\/uploads\/2026\/11\/O41-fassade-eines-bankgebaeudes-envato-MNAE2GT-1536x1024.jpg 1536w, https:\/\/www.aacc.co.at\/wp-content\/uploads\/2026\/11\/O41-fassade-eines-bankgebaeudes-envato-MNAE2GT-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p><\/div>\n<p><!-- .vgblk-rw-wrapper --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kolaps Silicon Valley Bank kot tudi likvidnostne te\u017eave banke Credit Suisse in njen prevzem s strani UBS so poskrbeli za velik preplah v finan\u010dnem sektorju. \u010ce sistemsko relevantne in \u010dezmejno delujo\u010de kreditne ustanove postanejo insolventne zaradi finan\u010dnih te\u017eav, je\u00a0lahko zaradi tega ogro\u017eena stabilnost finan\u010dnega trga.<\/p>\n","protected":false},"author":2,"featured_media":9000731,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43],"tags":[61],"class_list":["post-8169","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualno-vesti","tag-slovensko"],"_links":{"self":[{"href":"https:\/\/www.aacc.co.at\/sl\/wp-json\/wp\/v2\/posts\/8169","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.aacc.co.at\/sl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.aacc.co.at\/sl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.aacc.co.at\/sl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.aacc.co.at\/sl\/wp-json\/wp\/v2\/comments?post=8169"}],"version-history":[{"count":0,"href":"https:\/\/www.aacc.co.at\/sl\/wp-json\/wp\/v2\/posts\/8169\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.aacc.co.at\/sl\/wp-json\/wp\/v2\/media\/9000731"}],"wp:attachment":[{"href":"https:\/\/www.aacc.co.at\/sl\/wp-json\/wp\/v2\/media?parent=8169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.aacc.co.at\/sl\/wp-json\/wp\/v2\/categories?post=8169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.aacc.co.at\/sl\/wp-json\/wp\/v2\/tags?post=8169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}