Les banques et l'Europe en droit privé
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Abstract EN:
Building up the european banking market implies that all banks should enjoy two fundamental liberties : free activity and free competition. The recognition of the bank's establishment right and of free provision of services for their benefit, as well as the commission's work on mortgage and consumer credit, both contribute to the achievement of free activity. Furthermore, the work on harmonization of bank control rules, as well as the respect by credit institutions of the rules stated by articles 85 and 86 of the treaty, are the two necessary conditions for obtaining complete free competition. Each of the two fundamental liberties is submitted to careful examination, which emphasizes the difficulties in building up a european banking market.
Abstract FR:
La constitution du marche bancaire europeen suppose que les banques beneficient de deux libertes fondamentales : la liberte d'activite et la liberte de concurrence. La reconnaissance du droit d'etablissement des banques et de la libre prestation de service au profit de celles-ci, ainsi que les travaux de la commission consacres au credit hypothecaire et au credit a la consommation contribuent a la realisation de la liberte d'activite. Par ailleurs, les travaux d'harmonisation des regles de controle bancaire, ainsi que le respect par les etablissements de credit des regles posees par les articles 85 et 86 du traite constituent les deux elements necessaires a l'obtention d'une liberte de concurrence pleine et entiere. Chacune des deux libertes fondamentales donne lieu a un examen detaille qui souligne les difficultes de la realisation de l'europe des banques.