A UE reflecte sobre a possibilidade de poder congelar as contas bancárias em caso de crise revelou a Reuters no fim de julho que até agora ao que sabemos não fez nenhum comentário O congelamento para evitar "a banca rota " seria de 5 dias , mas poderia ir até 20 no caso de necessidade...
Isto significa que a UE Entende que uma nova crise é possível

RUSSELS (Reuters) - European Union states are considering measures which would allow them to temporarily stop people withdrawing money from their accounts to prevent bank runs, an EU document reviewed by Reuters revealed. 

The move is aimed at helping rescue lenders that are deemed failing or likely to fail, but critics say it could hit confidence and might even hasten withdrawals at the first rumors of a bank being in trouble. 

The proposal, which has been in the works since the beginning of this year, comes less than two months after a run on deposits at Banco Popular contributed to the collapse of the Spanish lender. 

It also come amid a bitter wrangle among European countries over how to deal with troubled banks, roughly a decade after a financial crash that required the European Central Bank to print billions of euros to prevent a prolonged economic slump. 

Giving supervisors the power to temporarily block bank accounts at ailing lenders is "a feasible option," a paper prepared by the Estonian presidency of the EU said, acknowledging that member states were divided on the issue. 

EU countries which already allow a moratorium on bank payouts in insolvency procedures at national level, like Germany, support the measure, officials said. 

"The desire is to prevent a bank run, so that when a bank is in a critical situation it is not pushed over the edge," a person familiar with German government's thinking said. 

To cover for savers' immediate financial needs, the Estonian paper, dated July 10, recommended the introduction of a mechanism that could allow depositors to withdraw "at least a limited amount of funds." 

Banks, though, say it would discourage saving. 

"We strongly believe that this would incentivize depositors to run from a bank at an early stage," Charlie Bannister of the Association for Financial Markets in Europe (AFME), a banking lobby group, said. 

The Estonian proposal was discussed by EU envoys on July 13 but no decision was made, an EU official said. Discussions were due to continue in September. Approval of EU lawmakers would be required for any final decision. 

INSURED DEPOSITS 

The plan, if agreed, would contrast with legislative proposals made by the European Commission in November that aimed to strengthen supervisors' powers to suspend withdrawals, but excluded from the moratorium insured depositors, which under EU rules are those below 100,000 euros ($117,000). 

Under the plan discussed by EU states, pay-outs could be suspended for five working days and the block could be extended to a maximum of 20 days in exceptional circumstances, the Estonian document said. 

Existing EU rules allow a two-day suspension of some payouts by failing banks, but the moratorium does not include deposits. 

The Commission, which declined to comment on the discussion, had previously excluded insured deposits from the scope of the moratorium tool fearing it "may have a negative impact on market confidence," according to a press release published in November. 

Many states supported a suspension of payouts only during the so-called resolution of a failing bank - the process which imposes losses on lenders' investors and possibly also uninsured depositors, while preserving the continuity of the banking activities, the document said. 

Most countries opposed bolder plans for an early moratorium. 

Additional reporting by John O'Donnell in Frankfurt; Editing by Richard Balmforth and Alexander Smith

Our Standards:The Thomson Reuters Trust Principles.

"Très concrètement, cela permettrait aux Etats de bloquer pendant quelques jours les retraits bancaires et les virements afin d'éviter le phénomène de "bank run", à savoir des retraits massifs d'argent des comptes. Ces dernières années, plusieurs pays européens ont subi ces bank run, de la Grèce à Chypre en passant, dans une moindre mesure, par le Portugal, l'Irlande, l'Italie ou l'Espagne.

Le phénomène est logique : quand les banques sont en difficultés, les épargnants ne leur font plus confiance pour conserver leurs économies. Ils préfèrent donc généralement récupérer leurs billes. Evidemment un tel retrait aggrave encore les difficultés financières des banques concernées – ce qui soutient le bank run.

Ce genre de panique bancaire est évidemment un problème – que les Etats aimeraient contrôler. Le Conseil de l'Union européenne étudie donc la possibilité de bloquer les retraits bancaires pendant une période de cinq jours ouvrés, pouvant être prolongée jusqu'à 20 jours en cas de crise d'ampleur exceptionnelle.

Hum... Imaginez-vous pouvoir vous passer d'argent pendant 20 jours ? Le projet étudié par le Conseil de l'Union européenne prévoit, certes, l'autorisation du retrait d'une somme minimale pour assurer les dépenses de base, mais aucun de nous n'a envie de connaître l'expérience grecque d'heures de file d'attente pour récupérer quelques euros.

Que nous apprend ce projet européen ?
Premièrement que les responsables européens sont parfaitement conscients qu'une nouvelle crise bancaire et financière est possible. La situation de la Grèce reste tangente, celle de l'Italie aussi."Quotidiane dela Croissance.