ENSURING THE EFFICIENCY OF FINANCIAL SUPERVISION THROUGH FEE-BASED SYSTEMS: A COMPARATIVE APPROACH

Daniela Dermengi — Mon, 29 Sep 2025 00:00:00 +0300

The article examines the role of banking supervision from a new perspective, shaped by the increasingly volatile
and complex nature of financial services. Unlike most existing studies, which predominantly focus on compliance
or prudential rules, this article highlights the need to transition from compliance-based banking supervision to a
proactive supervisory framework that can anticipate shocks. It contributes to the scientific literature on banking
supervision by redefining supervision not merely as a regulatory obligation but as a strategic investment in the
long-term sustainability of the banking sector. A key innovation of the article lies in linking supervisory efficiency
with sustainable funding mechanisms, qualified human capital, and technological innovation. While these elements
are often discussed separately in the literature, they are rarely integrated into a comprehensive analysis. The article
examines the experiences of various countries in financing banking supervision activities and assesses their impact
on institutional efficiency. The study offers a new analytical perspective on how sustainable funding enhances
institutional independence, strengthens resilience, and promotes economic growth. This approach opens new
avenues for rethinking how supervision should be designed to remain effective in an increasingly complex financial
environment.

Economy and Sociology

ENSURING THE EFFICIENCY OF FINANCIAL SUPERVISION THROUGH FEE-BASED SYSTEMS: A COMPARATIVE APPROACH