5 Restoy, Fernando (2018), “The European banking union: what are the missing pieces?”; Public lecture at the  International Center for Monetary and Banking Studies, Geneva, Switzerland, 16 October 2018. 6 www.ecb.europa.eu/pub/fsr/shared/pdf/ecb.sfbfinancialstabilityreview201711.en.pdf? 6/7  BIS central bankers' speeches  bc1a2e57de30c0b2cee99fbd4ae141a5; 7 See Y. Mersch (2016), “Reflections on the feasibility of a sovereign debt restructuring mechanism in the euro  area”, ESCB Legal Conference 2016.
8 See Benassy-Quere et al., “Reconciling Risk Sharing with Market Discipline”,CEPR Policy Insight, No 91, Centre  for Economic Policy Research. 7/7  BIS central bankers' speeches