欧盟银行监管机构负责人表示，看到华尔街竞争对手因美国总统唐纳德·特朗普的放松监管推动而获益的欧盟银行高管们，可以期待欧盟在明年就能找到提供一些规则减负的方式。
Union bank bosses watching Wall Street rivals reap the benefits of US President Donald Trump’s deregulation drive can expect the EU to find ways to deliver some rule relief as soon as next year, according to the head of the bloc’s banking regulator.
“我有信心，将会找到务实的解决方案，这些方案可以早在2027年开始实施，”欧洲银行管理局主席弗朗索瓦-路易斯·米肖在接受彭博社采访时表示。
“I’m confident that there will be pragmatic solutions found that can start being implemented already in 2027,” Francois-Louis Michaud, chairman of the European Banking Authority, said in an interview with Bloomberg.
当被问及明年就能实施的措施是否对行业具有重要意义时，米肖说：“我们不会做没有意义的事情。”欧盟执行机构欧盟委员会承诺将在2027年第一季度推出一个立法方案，希望该方案能回应行业和政治方面的呼声，确保欧洲工业不会在特朗普白宫推动监管倒退的过程中被甩在后面。银行一直抱怨立法进程太慢，因为立法通常需要数年时间才能获得欧盟众多利益相关方的同意，然后才能实施。
Asked if the measures that can already be implemented next year would be significant for the industry, Michaud said, “We don’t do non-meaningful things.”The European Commission, the EU’s executive arm, has promised a legislative package in the first quarter of 2027 that it hopes will answer industry and political calls for the European industry not to be left behind as Trump’s White House drives a regulatory rollback. Banks have complained about the speed, since legislation typically takes years to be agreed by the EU’s many stakeholders and then implemented.
委员会关于简化银行资本结构的提案确实需要立法变更。同样，一项在政治上存在争议、旨在建设欧盟范围内存款保险计划的改革努力也需要立法变更，而该计划是委员会打破国家边界、使资本和流动性能够在欧盟国家之间自由流动的基础。
The commission’s proposals to simplify banks’ capital stacks do require legislative change. So does a politically-contentious revamped effort to create an EU-wide deposit insurance scheme, which underpins the commission’s plans to break down national borders so capital and liquidity can flow freely between EU countries.
自4月份接任欧洲银行管理局（EBA）职务的米肖（Michaud）表示：“其实有很多事情完全可以依靠现有的机构架构和法规来完成。”他提到，EBA一直在协助欧盟委员会处理与“大数据相关的问题”，以便各方能够共同对各类提案进行影响评估。总部位于巴黎的EBA负责将欧盟的银行业法规转化为具体的实施细则，并确保这些法规在整个欧盟范围内得到一致执行。
Still Michaud, who took over the EBA role in April, said “there are also many things that could simply be done by drawing on the structures and mandates that exist.”He said the EBA has been supporting the commission on a “big data request so we can do impact assessments collectively on different types of proposals.”The Paris-based EBA turns EU banking laws into detailed rules and works to ensure they are applied consistently across the bloc.
过去三个月里，EBA的官员们与其他监管机构密切合作，共同完善了欧盟委员会于7月份提出的改革方案——这些改革措施旨在消除欧盟内部的壁垒、减轻银行的报告负担，并简化相关监管要求。
Officials there and other regulatory agencies have spent the last three months working with the commission on fleshing out its July proposals for sweeping reforms that promise to break down pan-EU barriers, reduce reporting burdens and ease some regulations.
去年10月，EBA公布了一份包含21项简化措施的清单，其中已有10项措施得以实施；目前EBA正在就其余措施进行进一步讨论，其中包括将统一报告要求减少50%。此外，EBA还在着手制定一份统一的规则手册，以便用户能够更方便地查阅所有相关的监管规定。
The EBA, for its part, published a list of 21 simplification measures last October and has already implemented 10 of them and is consulting on others, including a 50% reduction in harmonized reporting requirements. The EBA is also creating an integrated single rulebook providing user-friendly access to all types of applicable requirements.
米肖指出：“简化规则手册属于行政层面的工作；”但他同时强调：“复杂的监管环境给银行带来了巨大的合规成本。”
“Simplifying the rule book can be seen as administrative,” Michaud said. But regulatory complexity “creates a lot of compliance costs for banks,” he said.
欧盟委员会的提案为EBA和欧洲系统性风险委员会（European Systemic Risk Board）提出了新的职责要求，即要求它们定期评估整个欧盟范围内的银行资本状况，从而“加强现有的问责机制”。米肖表示，在这一框架下，欧盟委员会仍负责维护银行业的竞争力。
The commission’s proposals float a new mandate for the EBA and the European Systemic Risk Board to “reinforce existing accountability processes” by regularly taking stock of bank capital levels across the EU. Michaud said that under that framework the commission remains in charge of competitiveness.
“我们可以为这些机构提供专业意见和评估结果；”他说，“但我认为，政治责任不应由技术机构来承担。”
“We can deliver expertise and assessments to them;” he said, “but I don’t think that the political responsibility should be with a technical body.”