The evolution of the concept of supervision over bank activities against the background of experiences of selected European countries
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Keywords

banking supervision
bank
lending activity
banking law

How to Cite

CHAJDA, M. (2016) “The evolution of the concept of supervision over bank activities against the background of experiences of selected European countries”, Scientific Journal of Bielsko-Biala School of Finance and Law. Bielsko-Biała, PL, 22(2), pp. 5–9. doi: 10.5604/01.3001.0012.5062.

Abstract

The subject of considerations is the legal issue of the optimal model of supervision over the functioning of credit institutions. Normative regulation models in selected European countries have been presented with particular reference to the solutions applied in German legislation. Two basic banking supervision systems were identified: institutional type and functional type. Institutional type supervision is exercised by one supervisory institution which deals with irregularities in the functioning of all entities performing bank activities. It has been adopted in Switzerland and in Poland. In this system, the supervision is entrusted to one entity. Functional supervision is exercised, by several supervisory institutions acting jointly, each has their unique statutory competences. The experience of the recent financial crisis indicates a greater effectiveness of the first type of supervision and the need to deepen further the cooperation between national supervision in cross-border activities.
https://doi.org/10.5604/01.3001.0012.5062
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The papers published in the ASEJ Journal (alternate title: Zeszyty Naukowe Wyższej Szkoły Finansów i Prawa w Bielsku-Białej) - published by the University of Applied Sciences in Bielsko-Biała, are online open access distributed (Creative Commons Attribution CC-BY-NC 4.0 license). The Publisher cannot be held liable for the graphic material supplied. The printed version is the original version of the issued Journal. Responsibility for the content rests with the authors and not upon the Scientific Journal or Bielsko-Biala School of Finance and Law.

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