目前, 关于如何最为有效地防止一场全面风暴正引起一场激烈争论。 因为挤兑一旦开始蔓延, 可能难以遏制, 而且可能导致欧元区边缘国家出现大量资本流失, 而这些国家家庭存款拥有量达1.8万亿欧元。。 越来越多的人认为应该加强欧元区金融一体化。 5月30日, 欧盟委员会指出应建立 全面的经济与货币联盟, 包括银行业的联盟; 以及完整统一的金融监督和单一存款保障计划 。
The first step is to shore up confidence in the region s banks by making sure they haveenough capital to withstand a crisis. It is far cheaper to recapitalise banks, after all, than tostand behind all of their deposits. Yet such efforts have been bungled time and again. Europehas twice over the past two years tried to reassure depositors and investors that its banksare sound by subjecting them to stress tests that were supposed to mimic an economicdownturn. In each case the tests were soon followed by revelations of deep capital holes insome banks . Since some national regulators havelost the confidence of markets, they are having to bring in outsiders to assess how muchcapital their banks need.
第一步, 要通过确保区域内各银行有足够的资金能够抵御一次经济危机, 以此增强银行的信心. 毕竟, 调整银行资本结构相比保障各银行的存款量, 所需代价要小的多。 然而这样的努力却一再以失败告终。 在过去两年中, 欧洲曾两次尝试让各银行在一场摹拟的经济危机中接受 压力测试 , 证明这些银行都运作良好安全可靠, 试图以此恢复储户和投资者们的信心。 但紧接着这两次压力测试之后均有消息曝出某些银行存在严重的资金缺口。 因为一些国家监管机构已经失去市场的信任, 他们正被迫请一些机构外的人士来参与评估这些银行所需资金量。
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