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Consommateurs et services financiers : les services financiers en Europe dans la perspective des consommateurs

机译:消费者和金融服务:从消费者角度看欧洲的金融服务

摘要

Consumer Protection In the context of the breaking down of barriers between different types of financial institutions, of the extension of new communication technologies to service delivery to consumers and of the growing internationalisation of personal financial services, the Community's policies should take account of the interests of European consumers by including the following components: 1. The encouragement of competition between different types of financial institution and the promotion of greater transparency in the market for personal financial services. 2. An examination of the wide variations between Community countries in the provision of new, technologically based financial services, such as A.T.Ms and E.F.T.- P.O.S., and of whether the needs of European consumers are being adequately met, by comparison with comparable non-Community countries. 3. The development of a Community-wide legal framework for electronic transactions which extends more widely than D.G. XI 's welcome but limited initiative in relation to E.F.T.P.O.S., and which covers the important issue of personal privacy. 4. The phased reduction and, in due course, abandonment of existing national regulations of Community member states which block the free flow of personal financial services, while ensuring that the Community does not itself adopt a protectionist stance in relation to the rest of the world.
机译:消费者保护在打破不同类型的金融机构之间的壁垒,将新的通信技术扩展到向消费者提供服务以及个人金融服务日益国际化的背景下,欧共体的政策应考虑到以下方面的利益:欧洲消费者包括以下内容:1.鼓励不同类型的金融机构之间的竞争,并提高个人金融服务市场的透明度。 2.与可比较的非欧盟国家相比,研究了欧共体国家在提供基于技术的新型金融服务(例如ATM和EFT-POS)方面存在的巨大差异,以及是否能够充分满足欧洲消费者的需求社区国家。 3.发展整个社区的电子交易法律框架,其范围比D.G. XI关于E.F.T.P.O.S.的欢迎但有限的倡议,涵盖了个人隐私的重要问题。 4.分阶段减少并在适当时候放弃共同体成员国的现行国家法规,这些法规阻碍了个人金融服务的自由流通,同时确保共同体本身不对世界其他地区采取贸易保护主义立场。

著录项

  • 作者

    Jeremy Mitchell;

  • 作者单位
  • 年度 1987
  • 总页数
  • 原文格式 PDF
  • 正文语种 fre
  • 中图分类

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