This paper examines the intersections of fundamental rights and European banking supervision. It contributes to a more nuanced and refined understanding of the importance of European Union (EU) fundamental rights for supervised banks in the absence of an EU-wide administrative code. Since 2014, the European Central Bank (ECB) has assumed prudential supervisory tasks for supervised entities. Fundamental rights set clear boundaries as to how the ECB may exercise supervisory discretion to adopt measures that may adversely affect a supervised bank. The Court of Justice of the European Union declares void any measure whose adoption infringes upon a person’s fundamental rights. Thus, fundamental rights are a powerful counterbalance to the standard of limited review established by the EU judiciary for European Banking Supervision activities. Every supervised entity may unequivocally enjoy the same rights of defence faced with any measure adversely affecting it, irrespective of whether the measure has been adopted under EU or national law.

本文考察了基本权利与欧洲银行业监管的交叉点。在没有欧盟范围内的行政法规的情况下，它有助于更​​细致地理解欧盟 (EU) 基本权利对受监管银行的重要性。自 2014 年以来，欧洲中央银行（ECB）承担了对受监管实体的审慎监管任务。基本权利为欧洲央行如何行使监管自由裁量权以采取可能对受监管银行产生不利影响的措施设定了明确的界限。欧盟法院宣布任何采取侵犯个人基本权利的措施无效。因此，基本权利是对欧盟司法机构为欧洲银行监管活动制定的有限审查标准的有力平衡。