An exit for the EU out of the crisis?

The BBC article states that incoming governor of the Bank of England, Mark Carney, will tackle issues regarding “shadow banking” and “too big to fail” banks. The article emphasizes how “shadow banks”, companies that operate like banks but fall outside the current oversight, and big banks create a risk of relapse into a financial crisis by leaving “tail risks”. Over the counter derivatives, because they are unregulated (since they are privately negotiated between two parties) aggravated the 2008 financial crisis and could repeat the crisis if not addressed in the governor´s agenda. In order to address the problem, the ECB pursuit monetary policies such as Outright Monetary Transactions (OMTs) and      Long-Term Refinancing Operations (LTROs) to bring down yields on Eurozone. Through the OMT, the Eurozone's central bank can, henceforth, buy government-issued bonds that mature in 1 to 3 years, provided the bond issuing countries agree to certain domestic economic measures, and make it less expensive for governments to borrow on international markets and pay off interest rates. If these policies prove to be successful, and the countries that have been suffering with the aftermath of the European crisis keep up with the structural reforms, making sure that bank and unions keep pace with them, 2013 could surely be a better year than last one for the Eurozone.