BANK RESOLUTION UNDER STATE AID CONTROL: LEGAL AND POLICY IMPLICATIONS OF EXPORTING THE EU FRAMEWORK TO CANDIDATE COUNTRIES

Tatjana Jovanić

doi:10.56461/SPZ_25405KJ

Autori

Tatjana Jovanić Redovna profesorka, Pravni fakultet Univerziteta u Beogradu, Srbija https://orcid.org/0000-0002-9986-4858

DOI:

https://doi.org/10.56461/SPZ_25405KJ

Ključne reči:

sanacija banaka, državna pomoć, usklađivanje prava, zemlje kandidati, pretpristupne obaveze.

Apstrakt

U ovom članku ispitaćemo na koji način uslovljenost državne pomoći u okviru prava Evropske unije oblikuje primenu instrumenata za sanaciju banaka predviđenih Direktivom o oporavku i sanaciji banaka (BRRD) i analizira njene implikacije za zemlje kandidate u procesu usklađivanja kontrole državne pomoći i transponovanja odredbi BRRD-a. Radi objašnjenja povezanosti i međusobne uslovljenosti režima oporavka i sanacije banaka i kontrole državne pomoći kao oblika zaštite konkurencije, u radu se najpre razjašnjava taksonomija instrumenata predviđenih u BRRD i prikazuje njihovo funkcionisanje u okviru mekog prava EU u oblasti državne pomoći bankama, uz isticanje njihovih prednosti i nedostataka. Nedoslednosti između ta dva režima stvaraju posebne izazove za zemlje kandidate, naročito u definisanju obaveza u pretpristupnom periodu. Problemi se ne odnose samo na formalno usklađivanje sa odredbama propisa, već i na njihovu implementaciju i efektivno sprovođenje. Srbija i Crna Gora odabrane su kao studije slučaja: Srbija kao primer delimičnog usklađivanja sa pravnim tekovinama EU, a Crna Gora zbog pristupa koji se zasniva na opštem zakonodavnom upućivanju na pravo EU i odloženoj primeni pravila o državnoj pomoći u okviru režima sanacije sve do pristupanja EU.

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