CAJ | 학술논문

为打破银行风险与主权风险之间的恶性循环、防止金融市场分裂和解决“金融不可能三角”等问题．欧盟启动了银行业联盟的建设工作。欧洲银行业联盟主要包括单一监管机制、清算机制和存款保险机制三大支柱，这三者相辅相成、缺一不可。目前，银行业联盟正处在起步阶段，必将面临着制度、技术和政治上的重重阻碍。但必须认识到，银行业联盟的建设是一个渐进的过程，不可能一蹴而就。
위타파은행풍험여주권풍험지간적악성순배、방지금융시장분렬화해결“금융불가능삼각”등문제．구맹계동료은행업련맹적건설공작。구주은행업련맹주요포괄단일감관궤제、청산궤제화존관보험궤제삼대지주，저삼자상보상성、결일불가。목전，은행업련맹정처재기보계단，필장면림착제도、기술화정치상적중중조애。단필수인식도，은행업련맹적건설시일개점진적과정，불가능일축이취。
To break the vicious loop between sovereign and bank risks, prevent financial market fragmentation and solve such problems as the ＂Financial Trilemma＂ , the EU started the creation of a banking union. The European banking union will entail three main building blocks, including a single supervisory mechanism, a single resolution mechanism and common deposit guarantee scheme. These three pillars are mutually interacted and cannot be separated from each other. Although the banking union is just at its early stage, challenged by inevitably institutional, technical and political obstacles, it should be made clear that the construction of a banking union is an incremental not overnight process.