Articles on the economy
Under the European Deposit Guarantee System proposed by the European Commission, responsibility for guaranteeing deposits would be gradually transferred from national level to the new system.
Mortgage lending can be reined in by setting higher risk weights for loans. There are, however, differences in calculation methods. Harmonisation would enhance a level playing field between banks.
The impact of regulation on growth in loan margins has been exaggerated. The impact is strongest in high-risk loans.