欧债危机表明，在欧盟银行业高度一体化的背景下，遵循“母国控制”原则的离散型欧盟银行监管体系面临“三元悖论”挑战。为应对危机，欧盟银行业监管规制理念与模式发生了从“母国控制”原则到“审慎监管”原则的根本转变，各国上交银行监管权，并着手建立包括银行单一监管机制、单一清算机制及单一存款保险计划在内的银行业联盟。
The European debt crisis makes it clear that with the deepening of the EU banking integration process，the decentralized banking supervision and regulation system has increasingly met challenges from the “Trilemma” that the stability of a highly integrated financial system cannot be guaranteed if the banking supervision authority is reserved in the hands of the member states. It therefore leads to the shift of the concept and mode of the EU banking supervision from the “home country control” principle to that of “prudential supervision”. The member states transferred the banking supervision authority to the European level and began to establish a banking union with a single supervisory mechanism，single resolution mechanism and single deposit insurance scheme.
