Traduction de «Crédit pour épargne-actions du Nouveau-Brunswick » (Français → Anglais) :

The possible additional features are: ‘Overpayments/Underpayments’ [paying more or less than the instalment ordinarily required by the amortisation structure]; ‘Payment holidays’ [periods where the consumer is not required to make payments]; ‘Borrow back’ [ability for the consumer to borrow again funds already drawn down and repaid]; ‘Additional borrowing available without further approval’; ‘Additional secured or unsecured borrowing’ [in accordance with point 3 above]; ‘Credit card’; ‘Linked current account’; and ‘Linked savings account’.

The Commission will propose: A comprehensive legislative instrument establishing regulatory and supervisory standards for hedge funds, private equity and other systemically important market players(April 2009) A White Paper on tools for early intervention to prevent a crisis (June 2009) On the basis of a report on derivatives and other complex structured products (June 2009), appropriate initiatives to increase transparency and ensure financial stability Legislative proposals to increase the quality and quantity of prudential capital for trading book activities and tackle complex securitisation (June 2009) and to address liquidity risk and excessive leverage (Autumn 2009) A rolling programme of actions to establish a far more consistent set ...[+++] of supervisory rules (to be launched in 2009) To ensure that European investors, consumers and SMEs can be confident about their savings, access to credit and their rights as concerns financial products, the Commission will come forward with: A Communication on retail investment products to strengthen the effectiveness of marketing safeguards (April 2009) Further measures to reinforce bank depositor, investor and insurance policy holder protection (Autumn 2009) Measures on responsible lending and borrowing (Autumn 2009) To improve risk management in financial firms and align pay incentives with sustainable performance.

The Economic Study reported non-mortgage loans and savings accounts as the two most popular distance marketing products for banks, followed by stocks/shares/bonds and credit cards.

The innovation introduced by these new models generates economic growth and has a positive impact on all stakeholders (entrepreneurs, employees, consumers, investors and other financial partners, etc.). The organisation of public and private procurement (private sector procurement policies and corporate social responsibility), better access to finance (through banking or the financial markets, including through the use of dormant savings), the introduction of a new investment fund regime for the financial industry and consumers of financial products, in order to promote and enhance the liquidity of investment in projects with a strong el ...[+++]ement of social, economic and technological innovation, and the implementation of ad hoc communication tools will be triggers for action.

Tax credits were brought down to 15%. For a workers' fund set up like ours, it may be that a 30% tax credit, or 15 and 15%, is a reasonable level, but that is certainly not the case for a fund like the New Brunswick one which is starting up and needs 40%. We know that in other provinces where shares are sold through brokers, the 30% level is far more problematic.

This is to prevent exporters who have sought to save the amount of the "manufacturing" premium and have insured only against the credit risk from enjoying greater freedom of action in carrying out their transactions and thereby gaining an advantage over those who have insured against both manufacturing and credit risks.