Balanceakt Bankenaufsicht

Banking regulation is essential for ensuring financial stability, but it severely limits business activities and opportunities. This book specifically targets policymakers and supervisory authorities. It offers concrete solutions for managing the balancing act between stability-enhancing strictness and innovation-friendly regulation. First, the history and status quo of banking supervision are presented. This is followed by an analysis of potential relief options, such as strengthening the principle of proportionality and introducing a small-bank regime. Finally, using AI regulatory sandboxes as an example, the book discusses how sand-boxes could be implemented as innovation-fostering elements in banking supervision.