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Abstract
[fre] Le marché unique des services financiers est loin d’être achevé. Cette situation s’explique en partie par les limites des instruments traditionnellement utilisés pour l’intégration des marchés : pleine harmonisation, harmonisation ciblée ou reconnaissance mutuelle. Elle porte préjudice aussi bien à l’industrie des services financiers qu’aux citoyens qui sont privés des bénéfices attendus d’un marché unique. L’industrie financière a donc porté ses efforts sur la recherche de solutions innovantes pour lever les obstacles à la mise en place d’une offre paneuropéenne de services financiers tout particulièrement dans le domaine de l’épargne retraite. Parmi celles-ci, « le 28e régime » ou régime optionnel paneuropéen lui est apparu comme un outil puissant pour accompagner l’harmonisation des régimes juridiques nationaux qui encadrent l’offre de services financiers. Au-delà de son aspect purement juridique, le 28e régime porte une réflexion plus large sur le contenu d’une Europe des services financiers au service de ses citoyens. . Classification JEL : F36, G18, G28 [eng] The twenty-eighth regime : a tool serving the integration of the retail banking services market . The single market of financial services is far from being completed. This situation is partly due to the limits of traditional instruments when employed for the market integration, such as full harmonisation, targeted harmonisation or mutual recognition. This situation harms as the financial services industry as well EU citizens who cannot benefit from the opportunities of the single market. Therefore, the financial industry focuses on innovative solutions in order to lift the obstacles which hamper the supply of financial services, particularly in the field of pensions plan. Amongst these solutions, the 28th regime or pan-European optional regime shows its strengths as a facilitator for the harmonisation of national law specificities governing the supply of financial services. Beyond its purely legal aspect, the 28th regime leads to a larger debate about the content of a European area of financial services dedicated to citizens. . JEL classification : F36, G18, G28
Suggested Citation
Henri de Castries, 2008.
"Le vingt-huitième régime : un outil au service de l’intégration du marché des services financiers de détail,"
Revue d'Économie Financière, Programme National Persée, vol. 92(2), pages 27-38.
Handle:
RePEc:prs:recofi:ecofi_0987-3368_2008_num_92_2_5074
DOI: 10.3406/ecofi.2008.5074
Note: DOI:10.3406/ecofi.2008.5074
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JEL classification:
- F36 - International Economics - - International Finance - - - Financial Aspects of Economic Integration
- G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation
- G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
- F36 - International Economics - - International Finance - - - Financial Aspects of Economic Integration
- G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation
- G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
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