In order to kerb the banks’ willingness to take risks, some of the speakers suggested a premium, which the banks should pay into a fund. The height of the premium would depend on the risk profile of the respective financial institution. This fund, commented Rym Ayadi of the “Centre for European Policy Studies” (CEPS), could be used to absorb any liquidity bottlenecks. How big the fund would be, remains open. In addition, it is planned to introduce higher capital requirements, giving banks the chance to react better to any bad debt losses.

Apart from that, many experts agree that there has to be an option in future, which enables the winding up of ailing banks in an orderly fashion. This means that a mechanism has to be found, by which it would be possible to liquidate major financial institutions - at least in part - without triggering a chain reaction. One of the main problems of the current structure of the financial sector, so the general tenor, would be that the states promised their banks to bail them out. This safety net the banks were given, that the taxpayers would come to their rescue in times of crisis, led to an increased willingness of the management to take risks. By introducing a “Living will“, it is intended to simplify the structure of the large financial institutes in advance and to divide into a system relevant and a non-system relevant part. In case of bankruptcy, the latter can be wound up without problems.