Вот неплохой проект закона, жалко что его нельзя применить задним числом к ирландскому банковскому долгу:
EU legislation to prevent banks dragging countries into recession
Wednesday, June 06, 2012
Legislation that would have drastically cut the amount of taxpayers’ money that went to bail out Irish banks and will ensure bondholders pay in future will be unveiled by the European Commission today.
Known as A European Framework for Bank Recovery and Resolution, it is designed to ensure that high profile banks would not bring down a country’s economy in the future.
"The lack of tools in the case of Anglo Irish and Icelandic banks shows how the problems of one bank can drag a whole country into recession. The losses incurred by Anglo Irish Bank could have been covered by bailing in shareholders and creditors along the lines of these proposals rather than employing public funds," said a commission official.
It is one of the pillars of the EU’s proposed banking union and is the "last piece of the puzzle" of the post-crisis measures agreed by the G20.
The measures are designed to allow banks to fail without affecting critical banking functions such as providing money to consumers, and ensure that losses are borne by bank shareholders and creditors in a predictable way, together with a comprehensive restructuring of the impacted bank.
http://www.irishexaminer.com/business/kfsngbeyauid/