Il caso Silicon Valley Bank e la proporzionalità nella disciplina europea delle banche

European regulation imposes high compliance costs on banks, justifying extensive use of the proportionality principle. However, the Silicon Valley Bank crisis has raised numerous objections to this approach. According to the prevailing view, in the case of Silicon Valley Bank, the crisis would have its origin in the loosening of regulatory constraints and the corresponding supervisory enforcement. This article discusses such a problem from a comparative perspective and reaches an articulated conclusion. While concerning prudential capitalrequirements it seems reasonable to adopt a uniform discipline, as to supervision (e.g., SREP) a proportional approach seems more appropriate.