“In particular, in common with other jurisdictions, the UK regime did not have a bail-in tool, which ensures that the owners and unsecured creditors of the failing firm bear the losses associated with failure, even where the authorities are not in a position to break up the firm over a weekend or place it into an insolvency proceeding. But later enhancements to the UK regime, alongside changes that are being introduced through implementation of the European Union’s Bank Recovery and Resolution Directive from 1 January 2015, will bring the UK regime into line with the FSB’s international standard for banks and investment firms.
Having the right set of powers is a necessary, but not sufficient condition for orderly resolution. Firms also need to be organised in such a way that the powers can be used without significant adverse consequences for the rest of the financial system and the wider economy, and without bailouts by the taxpayer. In other words, firms that fall within scope of the UK regime need to be resolvable.
Hence firms need to be structured in a way that facilitates resolution, avoiding complex legal or operational structures.
Resolvability also requires the largest firms to have enough loss-absorbing capacity available — in the right places — when the firm fails, so that a bail-in can be conducted. Formedium-sized firms, there needs to be some capacity to absorb losses, so that the authorities can choose the best method to resolve the firm while maintaining continuity of its activities. And for the smallest firms, it must be possible to transfer, pay out or return protected deposits and/or client assets promptly and smoothly.”
Daqui, podemos ver que pelo menos em “resolução” de bancos somos muito melhores e estamos muito mais à frente do que os ingleses. Resolvemos tudo num fim de semana e à primeira.