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Open banking and inclusive finance in the European Union:perspectives from the Dutch stakeholder ecosystem
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作者 Massimo Preziuso Franziska Koefer Michel Ehrenhard 《Financial Innovation》 2023年第1期2752-2778,共27页
In the European Union(EU),the revised Payment Services Directive(PSD2)aims to provide more convenient and customized financial products through open banking(OB)platforms.However,little attention has been paid to the r... In the European Union(EU),the revised Payment Services Directive(PSD2)aims to provide more convenient and customized financial products through open banking(OB)platforms.However,little attention has been paid to the role of OB in improving the financial well-being of the growing number of the EU’s underserved groups,which currently constitute approximately a quarter of its population.This study examines how the PSD2 and OB impact inclusive finance in the EU based on the perspectives of the Netherlands’ecosystem,one of the leaders in the EU’s financial technology(FinTech)landscape.A fundamental distinction can be drawn between the OB users and the ecosystem’s players.Regarding the impact of financial services on the users’inclusivity,while the PSD2 strengthens the infrastructure necessary for financial inclusion,many challenges remain,mainly because it was not designed for this purpose.This study identifies several areas of improvement that include adjustments to the know your customer and anti-money laundering processes for underserved customers,innovative ways to communicate the PSD2’s potential,and the regulation of technology providers’activities to build trust.Meanwhile,from the ecosystem’s position,there is a need to strengthen and improve microfinance regulation according to the opportunities provided by the PSD2 to support microfinance institutions(MFIs)in scaling up and reaching underserved clients across borders with innovative services.OB improvements can also be achieved by organizations formed by MFIs and FinTechs in collaboration with banks.Such hybrid institutions will combine the best features of each of them:knowledge of the needs of local underserved clients from MFIs,technological innovations from FinTechs,and large and trusted customer bases,infrastructures,and access to institutional investments and governments from banks.Finally,an EU inclusive OB sector depends on the centrality of trusted regulators as coordination bodies.The PSD2 requires adjustments for underserved populations’specific needs.OB improvements can be achieved by organizations formed by MFIs and Fin-Techs in collaboration with banks.Regulated technical service providers(TSPs)are crucial to building trust and customer adoption in OB.The European Banking Authority(EBA)may function as coordination body to design inclusive rules by engaging with OB stakeholders.As inclusive finance moves into open-finance and data eras,an increasing regulatory complexity and scope will require networks of innovative and trusted regulators. 展开更多
关键词 The Revised Payment Services Directive(PSD2) Open banking Inclusive finance ECOSYSTEMS FinTech The Netherlands The european union
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Research on the Regulatory Framework of Advanced Therapies in the European Union and the United States
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作者 Wulan Qiqige Yang Yue Huang Zhe 《Asian Journal of Social Pharmacy》 2023年第2期98-106,共9页
Objective To study the regulatory framework of advanced therapies in the European Union and the United States,and to provide reference for the regulation of cell-and gene-based therapeutic products in China.Methods Th... Objective To study the regulatory framework of advanced therapies in the European Union and the United States,and to provide reference for the regulation of cell-and gene-based therapeutic products in China.Methods The legal and regulatory documents,annual reports,work information and related literature published on the websites of the FDA and European Medicines Agency(EMA)were reviewed to analyze the regulatory models of advanced therapies in the European Union and the United States.Results and Conclusion the United States and the European Union have carried out a lot of work in the classification standards of advanced therapies,policy formulation and accelerated listing procedures.Therefore,they have established a relatively mature regulatory system.China can learn from their experience and continuously improve the regulatory system to help the sustainable development of gene and cell therapy industry. 展开更多
关键词 advanced therapy gene therapy product cell therapy product european union USA
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A European Union Carbon Border Adjustment Mechanism and Its Implications 被引量:1
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作者 Han Liqun 《Contemporary International Relations》 2021年第4期95-117,共23页
The international fight to cut greenhouse gas emissions is entering a new phase as an increasing number of countries have recently announced major commitments to achieve carbon neutrality within the next few decades.M... The international fight to cut greenhouse gas emissions is entering a new phase as an increasing number of countries have recently announced major commitments to achieve carbon neutrality within the next few decades.Meanwhile,some developed countries are trying to hedge against the losses associated with emissions reduction by devising self-protective mechanisms.One of the most notable examples is the European Union’s(EU’s)plan to introduce a carbon border adjustment mechanism(CBAM)as early as 2023,imposing a charge on imports of certain products from countries deemed not to be seriously tackling climate change.By investigating how the CBAM has evolved in EU policy making and assessing what the potential implications might be,this paper argues that the CBAM reflects the internal demands of EU climate politics,addresses its practical needs to hedge against the pressure to reduce greenhouse gas emissions,and is the inevitable result of transitions in European social and political thought as well as in its party politics.Given the current shift in the public opinion toward carbon border taxes in the United States(US),the policies of developed countries will likely converge on this issue in the foreseeable future,which will jolt the basic framework for global action on climate change and make the situation even grimmer for emerging and developing countries in terms of greenhouse gas emissions reduction. 展开更多
关键词 european union CBAM climate change climate governance
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Impasse of the European Union and China-EU Relations 被引量:1
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作者 Ding Yuanhong is Senior Research Fellow at China Institute of International Research and former Ambassador of China to the European Union. 《China International Studies》 2006年第2期94-107,共14页
关键词 EU Impasse of the european union and China-EU Relations
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I4EU(Industry 4.0 for European Union)--An European Initiative to Develop Training Activity
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作者 Mamadou K.Traoré David Chen +3 位作者 Yves Ducq Bruno Vallespir Anne Zouggar Julien François 《计算机教育》 2021年第12期189-194,共6页
This paper presents an on-going European ERASMUS project to develop training programs and tools for Industry 4.0.After an introduction on the background and objective of the project,the paper will give an overview on ... This paper presents an on-going European ERASMUS project to develop training programs and tools for Industry 4.0.After an introduction on the background and objective of the project,the paper will give an overview on the structure,partners and organization of the project.Based on the State-of-the-art,the targeted intellectual outputs(IOs)will be presented in detail and the set of planned activities to achieve IOs are outlined.The project progress and preliminary results are shown and the concluding summary will be given at the end of the paper. 展开更多
关键词 Industry 4.0 key competences TRAINING european union ERASMUS+
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The Security Strategy of the European Union: Origin, Evolution, and Policy Direction
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作者 Zhang Jian 《Contemporary International Relations》 2022年第5期1-32,共32页
With the deepening development of European integration and the change of international situation, member states of the European Union(EU) have gradually strengthened consultation and coordination in the field of secur... With the deepening development of European integration and the change of international situation, member states of the European Union(EU) have gradually strengthened consultation and coordination in the field of security and established corresponding mechanisms. In this process,the EU has also formed and developed its National Security Strategy and issued four versions of security strategy reports in 2003, 2008, 2016, and 2022. The 2022 version of the EU security strategy(hereafter referred to as the New Security Strategy), for the first time, has identified Russia as a long-term and direct threat. Furthermore, it has paid increased attention to traditional security, especially the upgrading of military capabilities and has become more reliant on the United States and the North Atlantic Treaty Organization. In the future, the EU will accelerate the militarization process, exert all-out efforts to contain Russia, scrutinize neighborhood security, and increase its swing on China policy. 展开更多
关键词 european union security strategy european integration EU-Russia relations
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The Role of the European Union in Socio-economic Integration of Immigrants Residing in Azerbaijan: Current Problems, Tendencies, and Perspectives
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作者 Nargiz Hajiyeva 《International Relations and Diplomacy》 2020年第8期370-376,共7页
The chosen study mainly concerns on the migration issue,which has become a phenomenon in the European Union’s political economy in the contemporary era,within the recent years,which identifies the role of migrants in... The chosen study mainly concerns on the migration issue,which has become a phenomenon in the European Union’s political economy in the contemporary era,within the recent years,which identifies the role of migrants in Azerbaijani labor market and other areas of economic integration involving the current trends,challenges,and perspectives in the political or socio-economic fields.The long-brewing Civil War in Syria created a large-scale trajectory of migrants,resulting in a massive influx of refugees from Turkey to Greece and then to Germany.Recently,the issue of migration is now transforming into a phenomenon among the member states of the European Union prompting them to take immediate action and make crucial decisions in the country’s political economy.As a result,modern migration can play a pivotal role both for the EU and for Azerbaijan in the direction of flow of people,capital and services,remittances,improving socio-economic well-being and the cheap labor force in the international labor market.The key criterion of the study is to identify specific ways in which persons or migrants who are involved in the migration process can be able to also contribute to the sustainable economic development of the region by positively influencing IDPs on the local population,labor market activities,and overall political and economic activity.The main idea behind the research is to investigate the economic integration of immigrants in Azerbaijan through its original theoretical and empirical study of migration that plays an important role in the EU’s political economy.The research aims to better regulate labor migration processes in Azerbaijan with the help of the European Union and to optimize the impact on labor productivity in the country by providing economic integration of migrants in the local labor market.The main focus of this study is to identify the role of the European Union in the economic integration of immigrants in Azerbaijan,the legal migration and migration process,based on the Joint Declaration on Resettlement Partnership launched between the EU and Azerbaijan. 展开更多
关键词 european union AZERBAIJAN labor migration IMMIGRANTS political economy local labor market Introduction
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THE EUROPEAN UNION
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作者 Feng Zhongping 《Contemporary International Relations》 1997年第1期18-20,共3页
For the European Union (EU), 1997 will be a critical year, whether for es-tablishing its Economic and Monetary Union (EMU) or for building its political u-nion, or for its eastward enlargement. First, 1997 is a decisi... For the European Union (EU), 1997 will be a critical year, whether for es-tablishing its Economic and Monetary Union (EMU) or for building its political u-nion, or for its eastward enlargement. First, 1997 is a decisive year for countries applying for founding membershipof the EMU scheduled to be launched in 1999. To be sure, to realize EU’s plan forsingle currency is one of the major objectives of its cross-century strategy and 展开更多
关键词 EU THE european union
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A Study of the European Union’s Path for Constructing Digital Governance Rules and the Logical Implications of the Path
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作者 Yan Guang Tian Hongyu 《Contemporary Social Sciences》 2021年第6期36-52,共17页
The European Union(EU)seeks to build a Europe fit for the digital age.For this purpose,the EU has accelerated the process of catching up with digital technology and issued a number of legal and regulatory documents to... The European Union(EU)seeks to build a Europe fit for the digital age.For this purpose,the EU has accelerated the process of catching up with digital technology and issued a number of legal and regulatory documents to establish a digital governance rule regime with EU characteristics.This paper analyzes the EU’s path towards the construction of digital governance rules.This path is composed of three aspects,i.e.,strict digital supervision,differentiation of the free market,and multi-stakeholder governance.This three-step path has intrinsic logical implications.That is,strict digital supervision is applied to defend the EU’s unified market and values;differentiation of the free market takes the principle of adequate protection as the core to make the EU an exporter of rules;multi-stakeholder governance brings multiple stakeholders together in the governance to deal with the ethical anomie that arises during the use of big data.By setting up a series of digital governance rules,the EU seeks to achieve rule dominance to gain regulatory power for global digital governance.However,due to multiple constraints,there is a long way to go,and there are obstacles in the way. 展开更多
关键词 the european union digital governance rule construction path investigation logical implications
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Real-World Evidence Supporting New Drug Review and Approval in European Union and Its Enlightenment to China
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作者 Lan Yipeng Huang Zhe 《Asian Journal of Social Pharmacy》 2021年第3期203-208,共6页
Objective To analyze the application of real-world evidence(RWE)in the field of medicine in European Union,and provide suggestions for RWE supporting the review and approval of new drugs in China.Methods The European ... Objective To analyze the application of real-world evidence(RWE)in the field of medicine in European Union,and provide suggestions for RWE supporting the review and approval of new drugs in China.Methods The European Medicines Agency(EMA)and other databases were used to search relevant documents for analyzing the European Union’s new drug review and approval process with the support of RWE.Results and Conclusion The European Union carrying out new drug review and approval with the support of RWE has just begun.The decision-making process includes three stages such as new drug research and development,review,and approval.However,there are some challenges in data quality,research methods,evidence sufficiency,and research process of RWE supporting the European Union in reviewing and approving new drugs.At present,RWE can accurately grasp the clinical effects of drugs and improve the safety and effectiveness in the process of assisting the review and approval of new drugs.At the same time,RWE also can promote the development and application of Traditional Chinese Medicine(TCM)and help find out the potential value of TCM such as new indications. 展开更多
关键词 real-world evidence new drug review and approval european union ENLIGHTENMENT
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Energy Security and Climate Change in the European Union,China and Latin American Relationships:Major Challenges and Areas of International Cooperation
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作者 Maria Cristina Silva Parejas 《国际展望》 2009年第1期199-216,126,共19页
The author discusses the subject in both ecological and political perspectives based on a most comprehensive,authoritative and updated bibliography.Hence,Latin America and the Caribbean(LAC) is as much diversified as ... The author discusses the subject in both ecological and political perspectives based on a most comprehensive,authoritative and updated bibliography.Hence,Latin America and the Caribbean(LAC) is as much diversified as there are sub-regions and regional organizations in geopolitical and geo-economical terms and often dialectic regarding energy security,climate change and LAC ties with Europeans and China and so is the tripartite relations with the rest of the world so far as energy security and climate cha... 展开更多
关键词 In Energy Security and Climate Change in the european union China and Latin American Relationships LAC Security
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The trend of relations between the European Union and Latin America and the Caribbean from the perspective of Bi-regional Summits
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作者 LOU Xiangfei 《国际展望》 2010年第2期173-187,108,共16页
Nowadays,multilateral consultative mechanism is gradually becoming a mainstream approach in the contemporary international system.As one of the most important international collective player,the European Union(EU) has... Nowadays,multilateral consultative mechanism is gradually becoming a mainstream approach in the contemporary international system.As one of the most important international collective player,the European Union(EU) has been engaging in multilateral cooperation and consultation since its inception.It has also been promoting a plural world through advocacy and action.The EU and the Latin America/Caribbean(LAC) Countries summits are considered a stability mechanism for promoting bi-regional dialogues.Nevertheless,after 10 years of bi-regional strategic partnership construction,the EU and LAC relations are currently experiencing a difficult phase,suggesting it is time to reform.The purpose of this paper is to analyze the advantages as well as the challenges to EU-LAC relations from the perspective of bi-regional summits,and to assess the short-term trend of their relations in the near 展开更多
关键词 EU EU LAC The trend of relations between the european union and Latin America and the Caribbean from the perspective of Bi-regional Summits BI
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Speech on the Opening Ceremony of European Union-China "Energy Cooperation Industry Conference
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作者 Lu YanchangVice Minister of Electric Power, PRC October 1996 《Electricity》 1996年第4期4-6,共3页
Ladies, Gentlemen, Friends: Today, I feel greatly honoured to have opportunity to attend European Union-China《Energy Cooperation Industry Conference cosponsored by China State Science and Technology Commission and Eu... Ladies, Gentlemen, Friends: Today, I feel greatly honoured to have opportunity to attend European Union-China《Energy Cooperation Industry Conference cosponsored by China State Science and Technology Commission and European Union of Federalists, held in Beijing. On this occasion, please allow me on behalf of the Ministry of Electric Power, People’s Republic of China, to express thanks for China State Science 展开更多
关键词 In Speech on the Opening Ceremony of european union-China Energy Cooperation Industry Conference
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Air Quality Legislation and Standards in the European Union: Background, Status and Public Participation 被引量:4
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作者 Marco GEMMER XIAO Bo 《Advances in Climate Change Research》 SCIE 2013年第1期50-59,共10页
In order to improve air quality, the European Union introduced the New Air Quality Directive in 2008 and set its Member States strict targets on air pollution concentrations for the most harmful and challenging substa... In order to improve air quality, the European Union introduced the New Air Quality Directive in 2008 and set its Member States strict targets on air pollution concentrations for the most harmful and challenging substances, such as fine particles. The law enforcement relies on a monitoring and reporting system to inform the European Commission and the public, for it is the citizens' right to be informed about harmful air quality. With sectoral measures, air quality could be improved in the past 20 years, but some emissions concentrations have stagnated in recent years and emissions temporarily exceed thresholds in nearly half of the Member States. The European Emission Inventory allows the commission to identify the substances, areas, and times of exceedances, and to implement sectoral measures leading to air quality improvements, all of which have to be made available publicly. This manuscript introduces the air quality legislation and reviews the quality of European air for recent years. 展开更多
关键词 欧盟委员会 空气质量 公众参与 立法 标准 污染浓度 报告系统 排放浓度
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Tourism Waste Management in the European Union: Lessons Learned from Four Popular EU Tourist Destinations 被引量:2
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作者 Chukwunonye Ezeah Jak Fazakerley Timothy Byrne 《American Journal of Climate Change》 2015年第5期431-445,共15页
From a sustainability perspective, achieving greater efficiencies in environmental waste management is at the heart of current academic discussion on climate change science. Over the last few decades the tourism indus... From a sustainability perspective, achieving greater efficiencies in environmental waste management is at the heart of current academic discussion on climate change science. Over the last few decades the tourism industry has developed exponentially and is now considered one of the most dynamic economic activities worldwide. Solid waste is a commonly identified and ever increasing aspect of tourism;the improper management of which can lead to substantial and irreversible direct and indirect environmental, economic and social impacts. However, the management of solid waste in tourism dominated island communities is particularly problematic due to climatic conditions, topography, financial restraints, planning issues, changing consumption patterns, transient population, and seasonal variations in solid waste quantity and composition. In addition, there is often a lack of momentum to implement new initiatives and programs as stakeholders involved in the design, construction and operation of tourist resorts have conflicts of interest. Using information gathered from key informant interviews, participation observations and literature reviews, this article appraises current waste management practices in four European tourist destinations, namely: Mallorca, Tenerife, Kefalonia and Rhodes. Findings indicate that, although there are signs of compliance with global best practice, a variety of locally-based measures need to be implemented to enhance sustainability. 展开更多
关键词 Waste MANAGEMENT TOURIST DESTINATION Island Communities european union GREENHOUSE Gas Emission
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Determinants of Female Employment Rate in the European Union 被引量:1
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作者 Irena Spasenoska Merale Fetahu-Vehapi 《Chinese Business Review》 2011年第11期1076-1090,共15页
关键词 就业率 女性 欧盟 计量经济学 数据分析 欧洲联盟 动态建模 估计模型
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Does the European Union Need More Democracy: a Reconsideration of "Democratic Deficit" and a New Analysis Framework
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作者 Cao Meng 《学术界》 CSSCI 北大核心 2017年第10期257-267,共11页
There has been a long-standing debate on the European Union's democratic deficit. The issue was even more complicated today during the hard time of the European crises. However,a no-solution predicament inevitably... There has been a long-standing debate on the European Union's democratic deficit. The issue was even more complicated today during the hard time of the European crises. However,a no-solution predicament inevitably emerged under the traditional democratic deficit paradigm. This article proposed a new perspective regarding democracy and a new analysis framework to check the EU's institutional arrangement,under which the EU's democratic issue could be acceptably addressed. 展开更多
关键词 民主 欧盟 框架 欧洲联盟 字问题
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Regional analysis and sustainable development: Application of a synthetic sustainability indicator to Galicia and the European Union
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作者 Federico Martin-Palmero Fernando Gonzalez-Laxe 《Chinese Business Review》 2009年第1期1-16,共16页
关键词 可持续发展 欧洲联盟 可持续性 区域分析 西亚 加利 应用 合成
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Implications of a Crisis on Small Businesses in the European Union and Republic of Croatia
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作者 Goran Kutnj ak Matija Radovic Dejan Miljenovic 《Chinese Business Review》 2013年第3期172-185,共14页
关键词 克罗地亚 小企业 共和国 欧盟 经济发展 法律地位 经济状况 注意力
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Multidimensional Analysis of Social Convergence Within the European Union Countries
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作者 Agnieszka Giodowska 《Chinese Business Review》 2016年第3期103-114,共12页
关键词 社会发展 欧盟国家 多维分析 欧洲国家 统计工具 生活水 收敛性 一体化
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