Abstract
Financial markets are crucial to the functioning of modern economies. The more integrated they are, the more capable and effective the allocation of capital will be. Therefore the single fi nancial market is a fundamental part of the European Union (EU) purpose of achieving more and better jobs in a more dynamic and inventive Europe. Completing the single market in fi nancial services is more and more recognized as one of the key areas for EU future growth, essential for the European Union global competitiveness and thus a crucial part of the Lisbon economic reform process.
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