If only one didn’t have to get from here to there. As so often with EU proposals, banking supervision plans – which would make the European Central Bank the ultimate prudential supervisor for about 6,000 eurozone banks – have a high-level logic. Bank sector risk would be managed with less scope for domestic political indulgence. The nexus between sovereign debt issuance and local bank support, a large factor in the eurozone crisis, should be lessened. Pan-European schemes for dealing with failing banks and protecting depositors could become simpler to enforce. All of which would make the banking landscape less scary.
如果不用经过这个艰难的过程就好了。就像很多欧盟提案一样，其银行监管计划（这将使欧洲央行成为欧元区6000家银行的最终监管者）具有高层次的逻辑。银行业风险得到集中管理，不让国内政治有太大的插手空间。主权债务发行和当地银行支持（这是酿成欧元区危机的一大因素）之间的纠结应该减轻。处理陷入困境的银行和保障储户的泛欧计划可以更简单地执行。这一切都会使欧洲银行业版图变得不那么可怕。