How might these laudable objectives be achieved? The European Commission has argued that a fully-fledged banking union would need to rest on four pillars: a single deposit protection scheme covering all EU (or eurozone) banks; a common resolution authority and common resolution fund, at least for systemically important and cross-border banks; a single European supervisor for the same banks; and a uniform rule book for prudential supervision of all banks in Europe.
这些值得赞赏的目标如何实现？欧洲委员会指出，成熟的银行联盟应有建立在四大基础上：覆盖所有欧盟（或欧元区）银行的单一存款保护机制；共同清算机构和共同清算基金，至少要覆盖具系统重要性的银行和跨国银行；针对这些银行的单一欧洲监管者；以及覆盖欧洲所有银行的单一审慎监管规则。