La riforma delle Banche popolari nella legge diconversione del d.l. 24 gennaio 2015 n. 3 tra capitalismo ed esigenze di vigilanza uniforme

The reform of popular banks pursuant to the Decree Law January 24, 2015 n. 3, between capitalism and uniform regulatory requirements The duty of transformation for the cooperative banks over the threshold imposed by the recent Italian’s reform pursuant to decree-law 24 January 2015, n. 3 concerning urgent measures for the banking system and investment requires some systematic order reflections in relation to the survival of the «cooperative banking type». In fact, the choice of the Italian legislator, simply based on the increase in asset value capitalized, it seems to argue for a final overcoming of the cooperative bank model for the exercise of banking on the presumption of the supremacy of the spa governance model. The reasons of a choice so radical and difficult to understand for many seems to be able to bring the needs, in fact disvelate by the BCE, to homogenize the governance of the credit institutions in order to better implement the prudential regulations imposed by CRV4 and the transposition of BRRD for the prevention and resolution of banking groups.