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CODE 103980
ACADEMIC YEAR 2022/2023
CREDITS
SCIENTIFIC DISCIPLINARY SECTOR IUS/05
LANGUAGE Italian
TEACHING LOCATION
  • LA SPEZIA
SEMESTER 2° Semester
PREREQUISITES
Propedeuticità in ingresso
Per sostenere l'esame di questo insegnamento è necessario aver sostenuto i seguenti esami:
TEACHING MATERIALS AULAWEB

OVERVIEW

The course aims at providing students with adequate instruments to understand and critically analyze the financial sector from the legal point of view. We will examine prudential regulation, conduct of business rules and the main contracts, taking into account recent developments and scientific debates within the sector, both nationally and internationally, and using seminars to analyze the most interesting and relevant to banking law cases, while developing research and critical analysis skills. 

AIMS AND CONTENT

TEACHING METHODS

Lessons (with active participation of students) and seminars (with presentations by students). 

 

SYLLABUS/CONTENT

Part I: Introduction and basic notions

  1. The financial sector in historical perspective. Principles and structure of financial regulation and supervision 
  2. The legal notion of bank and banking activity.
    1. Bank and banking activity in the law. Authorisation
    2. Specialty of banks after the financial crisis
    3. Non-bank financial institutions: 106 TUB, payment institutions, e-money institutions and others (taking into account PSD 2 reform).
    4. Types of activities reserved to banks, of bank permissible activities, prohibited activities.
  3. Financial market and investment services
    1. Notion of financial product, financial instruments and investment services
    2. Activity reserved to investment firms and authorisation
  4. Supervisory Architecture:
    1. Italian financial Authorities
    2. Recent developments in European Financial Regulation and Supervision: Lamfalussy and the European passport; ESRB, ESAs and the Banking Union (and the role of the ECB in banking supervision); Capital Markets Union
    3. Other authorities and division of competences
    4. International authorities: Basel Committee on Banking Supervision, FSB, etc.

Part II: Regulation of financial intermediaries. Prudential regulation

  1. Rules and instruments of prudential regulation and supervision.
    1. Sources of law
    2. groups; crises and resolutions
    3. Deposit guarantee schemes and investor protection systems

Part III: Regulation of financial intermediaries: conduct rules and contracts 

  1. Applicable law.
  2. General regimes (banking, investment)
  3. Special regimes 
  4. Cosumer protection and special regimes (consumer credit and residential mortgages)
  5. Aspects of competition law

The course will be complemented by seminars prepared by group of students (on a voluntary basis, obtaining additional points) addressing practical cases or certain topics deserving special attention to better understand banking regulation, such as: microcredit, peer-to-peer lending and investment-based crowdfunding, virtual currencies, crypto-assets and stablecoin, online banking, fintech banks, Antonveneta, Monte dei Paschi di Siena, Carige, Fortis-Dexia, 'four banks' cases, islamic finance, Brexit, Big tech, Amazon lending, Gamestop, Wirecard, etc..

RECOMMENDED READING/BIBLIOGRAPHY

Please see the course's page on Aulaweb for updated information.

TEACHERS AND EXAM BOARD

Exam Board

EUGENIA MACCHIAVELLO (President)

MATTEO GARGANTINI

CHRISTIAN MEZZANO (Substitute)

LUISA NENCI (Substitute)

CHIARA VALENTI (Substitute)

LESSONS

Class schedule

L'orario di tutti gli insegnamenti è consultabile all'indirizzo EasyAcademy.

EXAMS

Exam schedule

Data Ora Luogo Degree type Note
18/05/2023 14:00 LA SPEZIA Orale
08/06/2023 11:00 LA SPEZIA Orale
21/06/2023 11:00 GENOVA Orale
06/07/2023 11:00 LA SPEZIA Orale
14/09/2023 11:00 LA SPEZIA Orale

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