It provides a common resolution mechanism for all banks in Europe, which forces losses to be absorbed by shareholders, bondholders, and large depositors before any government money is committed. To provide short-term financing to a bank during any restructuring, the Commission’s plan would create a European Fund, putting all banks on an equal footing.
由负责内部市场和服务的欧盟委员巴尼尔（Michel Barnier）提出的最新方案便是实施这一办法的努力。巴尼尔的方案提供了适用欧洲所有银行的清算机制，损失将由股东、债权人和大型存款人强制吸收，然后政府才投入资金。该方案提出成立一个欧洲基金（European Fund），向重组过程中的银行提供短期融资，并对所有银行一视同仁。