Teacher
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DESARIO Michele Salvatore
(syllabus)
1. The bank and its organization. 1.1. Historical development of the banking system. 1.2 The typical banking activity. 1.3 The banks' "other" activities. 1.4. The bank and its organization. 1.5. Banks and other financial intermediaries. 2. Public controls over banks. 2.1. The purposes of public controls over banks. 2.2. The Single Supervisory Mechanism (SSM) in the european banking union. 2.3. National and supranational authorities, and the division of responsibilities between them. 2.4. Supervision of banks: regulatory supervision; information supervision; inspection supervision. 2.5. The authorization to conduct banking business. Shareholdings in banks. The requirements of corporate executives. Banking corporate governance. 2.6. The discipline of bank crisis prevention and management. 3. The main contracts and consumer regulations. 3.1. The sources of the regulation of banking contracts. 3.2. The regulation of transparency of contract terms and conditions and relationships with customers. 3.3. Consumer loans. 3.4. Current account and bank account. 3.5. The bank deposit. 3.6. The loan agreement. The opening of credit. The bank advance. The bank discount. The bank guarantees. 3.7. The "new" contracts: leasing, factoring, derivatives.
(reference books)
Any university textbook chosen by the student, which should be read in addition to the necessary consultation of the relevant legal provisions (and specifically the Testo unico delle leggi in materia bancaria e creditizia and the Codice civile). Recommended texts are, for example, C. BRESCIA MORRA, Il diritto delle banche. Le regole dell’attività, il Mulino, latest edition; P. FERRO-LUZZI, Lezioni di diritto bancario, Vol. I: Parte generale, Giappichelli, latest edition; F. CAPRIGLIONE (a cura di), Manuale di diritto bancario e finanziario, Wolters Kluwer-Cedam, latest edition; and for the part concerning contracts, G. FERRI, Manuale di diritto commerciale, a cura di C. Angelici e G.B. Ferri, Utet, latest edition, oppure G.F. CAMPOBASSO, Diritto commerciale. 3. Contratti. Titoli di credito. Procedure concorsuali, Utet, latest edition.
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