Јединствени механизам санације банака (Банкарска унија)
The unique mechanism of financial rehabilation of banks (Banking Union)

Summary/Abstract: Banks play a major role in financial markets as they are in a position to engage in the collection of information, and this additionally helps productive investment in the economy. Contemporary trends are characterized by control of the banking market, which is the basic characteristic of the organization of economic and financial activities in their interaction with the legal system. In that sense, the process of development of the banking market is conditioned by the application of new technologies, in order to raise public control to a higher level. The main motives for public control of the banking market are to maintain stability and protect investors. Public control is related to the nature of the risk that occurs in banks due to the effects of the application of new technologies, investments and banking competition. Public control should not be a limiting factor in the development of the banking market. If it were otherwise social costs would be greater than the benefits to be gained by regulatory measures. In case of deterioration of the balance sheet, the bank is usually sold or liquidated. The risk of such situations has negative effects on other banks as it affects the spread of uncertainty and fear with their depositors, which in the end can cause a crisis in the banking system. States in such situations resort to the application of regulatory measures through rehabilitation, restructuring and consolidation. In the conditions of the general economic crisis of the Еurozone, the EU member states did not apply the same supervisory standards which additionally affected the crisis of the banking sector.

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