世界银行-关于FinSAC客户国所有银行处置单一框架的提案（英）

1 Public Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure Authorized© 2025 International Bank for Reconstruction and Development / The World Bank 1818 H Street NW Washington DC 20433 Telephone: 202-473-1000 Internet: www.worldbank.org This work is a product of the staff of The World Bank with external contributions. The findings, interpretations, and conclusions expressed in this work do not necessarily reflect the views of The World Bank, its Board of Executive Directors, or the governments they represent. The World Bank does not guarantee the accuracy, completeness, or currency of the data included in this work and does not assume responsibility for any errors, omissions, or discrepancies in the information, or liability with respect to the use of or failure to use the information, methods, processes, or conclusions set forth. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries. Nothing herein shall constitute or be construed or considered to be a limitation upon or waiver of the privileges and immunities of The World Bank, all of which are specifically reserved.Rights and PermissionsThe material in this work is subject to copyright. Because The World Bank encourages dissemination of its knowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as long as full attribution to this work is given. Any queries on rights and licenses, including subsidiary rights, should be addressed to World Bank Publications, The World Bank, 1818 H Street NW, Washington, DC 20433, USA; fax: 202-522-2625; e-mail: pubrights@worldbank.org. Cover design: Kora ReichardtMay 20251ContentsAbbreviations 3Acknowledgements and Disclaimer 4Abstract 5Executive Summary 61. BANK RESOLUTION PRACTICES IN FINSAC CLIENT COUNTRIES 121.1. State of play of resolution regimes in FinSAC client countries 121.2. The bank liquidation procedure in FinSAC client countries 142. A SINGLE [SM]ALL BANK RESOLUTION FRAMEWORK 162.1. The public interest assessment 162.1.1. The public interest assessment as a condition for BRRD resolution 162.1.2. The public interest assessment as legal safeguard under a single [sm]all bank regime 192.2. Resolution powers and tools – the case for a 2-step sale of business 222.2.1. Preferred resolution strategies for banks in FinSAC client countries 222.2.2. Proposal for a two-step SoB under a staggered resolution approach 242.3. Resolution funding, liquidity, and public support 262.3.1. Lack of loss absorbing and conversion capacity in FinSAC client countries 272.3.2. Use of DIF for resolution and/or need for a separate resolution fund 282.3.3. Liquidity under resolution – forward looking ELA 342.3.4. Public support 352.4. Resolvability and resolution planning for sm