Traduction de «Biens transfrontaliers » (Français → Anglais) :

There are also other factors. There is greater transparency in prices, an improvement in competition and an increase in trade and investment both cross-border and also between other countries or areas affected by monetary union.

The present EU legal provisions on payments are contained in different types of EU legal instruments: a Regulation (2560/2001/EC) introducing the equality of charges for cross-border intra-EU payments in euro and corresponding national payments, which is directly legally binding without transposition into national law; a Directive (97/5/EC) [11] facilitating cross-border credit transfers in establishing some customers' protection requirements, which had to be transposed into national law to become applicable; a Recommendation (97/489/EC) [12] providing for the protection of customers using electronic payment instruments, such as paymen ...[+++]t cards, which - although not a legally binding instrument - was supposed to be fully implemented and applied in the EU.

Across the EU, consumers have significantly less confidence about shopping cross-border than in their own countries - only 31% of consumers think they would be well protected in a cross-border dispute with a supplier, against an average of 56% who would feel well protected regarding a similar dispute within their own country [8].

Although many of the programmes (particularly the cross-border ones) had already been submitted during 2000, the Commission received 12 further cross-border programmes (strand A), nine transnational programmes (strand B), the four interregional programmes (strand C) and one networking programme under point 53 of the ESPON Guidelines (European Spatial Planning Observatory Network).

Although we in the European Parliament now criticise the banks we have to understand that cross-border payments account for only a six-percent slice of all payment transactions, so development of this area is an expensive investment in the eyes of the banks in relation to the benefits gained, from the point of view of the banks at least.

There is even talk of it being possible to reduce costs by 90%, although the financial services institutions impress on us time and again that the higher costs are linked to processing the transfers and not to the technicalities of making cross-border payments.