Banking supervision in the European Union: an attempt to contribute to an optimal supervision area.

Summary For the supervisor, a historical approach to banking allows for a better understanding of its operating methods. It also helps to better understand why its actors, always endowed, rightly, with the confidence essential to the development of business, sometimes show an over-optimism leading to their ruin. The mobilization of the law: this is what guides the action of the bank controller. The last financial crisis has provoked an awareness in Europe: the impossibility for each member country of the Union to exercise an efficient supervision individually without a total harmonization. Thus was born the idea and then the construction of the MSU. Centralized in Frankfurt, the single supervision has been in place since November 4, 2014. But its roadmap covers an even more diversified field. By construction, the MSU has the qualities of efficiency and sustainability required. But will it have the will to contribute to the transformation of the entire European Union into an area of optimal supervision?