(See also ) http://mailingassociazione.googlegroups.com/web/IP-07-596_IT% 5B1% 5D.pdf? Gda
The final report survey conducted by the Commission europeasulla competition in retail banking, published January 31, 2007 - highlights a number of reasons dipreoccupazione regarding competition in dellecarte payment, payment systems and banking products aldettaglio. The Commission may use the powers available to it, inbase competition rules to address serious abuses, working closely with national authorities allaconcorrenza.Queste responsible for the main problems identified by the survey ofthe Commission European Union: In some Member States, the combination of high redditivitàcostante of high market concentration and barriers to entry provedell'esistenza raises concerns about banks lacapacità to influence the level of prices for iconsumatori and small businesses - some credit registers, which contain confidential information that iprestatori use to set loan rates, may essereutilizzati to exclude new entrants from the banking markets aldettaglio - some aspects of cooperation between banks, including cassedi savings and cooperative banks, can reduce competition escoraggiare inputs on the market - the products bound, are a very common practice in most Member States. This could reduce the choice deiclienti and increase banks 'power to influence the market prezzisul - obstacles to customer mobility in banking - inparticular the inconvenience of changing current account - are elevati.L' analysis suggests that margins gain of banchesono lower when customers are more mobili.Tocca now speak to the European Parliament on the results and give an indication of questaindagine policy actions daintraprendere account .* * * mobility score card payment systems and general creditoIn it should be noted that the ratio of CommissioneEuropea has many gaps in the methodological temadi comparative analysis of economic conditions on observed conticorrenti.Con particular reference to current accounts, it should be noted that the European Commission neldocumento are detected bancariper individual consumer revenues, which are influenced to an extent and quantity of services rilevantedalle funding provided. Given thimbles considerations, an analysis of the competitive level, formulatasulla basis of these data relating to revenues from retail (andnot on the final costs for the customer) in various countries, may induce aconclusioni that do not reflect the real situation because of mercatinazionali differences in terms of markets and models dellastruttura behavioral score. Èquindi required a comparative analysis using criteria meglioriconoscibili (the profiles using one account, the remunerazionedelle stocks in the current account, the co-header c / c, the lapresenza multibancarizzazione, taxation). The problem that exists in many European countries concerning the prezzielevati in offering banking services. (According to the investigation, there are high costipiù in Italy and Luxembourg in ilmantenimento account in the first case and close the account nelsecondo. In its final report the average costs of maintaining a Contoso € 90 in Italy against 40 of the Germany, but sottolineasempre the report, "in Italy and Germany, the annual fee comprendeun package of free services. "In Luxembourg, however, for an account lachiusura are required on average € 100). It is, in particular, the fees requested by bancheper maintaining current accounts and the use of the services now connected, and the fees required for chiusuradei accounts or transfer services to another bank. Inline generally high prices in the supply of a product or unservizio signal the presence of weak competitive pressures nelmercato, to the detriment of consumers. In the case of banking, trust ilcarattere which characterizes the relationship bank customer puòindebolire thrust that consumers can make to action and increases the competitive deimeccanismi delleimprese market power, resulting in lower prices elevati.Mobilità: The most common types of obstacles to mobility are icosti monetary input and output, the time of entry or uscitalunghi and / or uncertain, the costs due to links between banking and / ofinanziari, the degree of transparency mercato.Nel my report will make a series of proposals to facilitate iconsumatori and trigger the necessary competitive pressure. It should, in fact, greater transparency, through measures which facilitate the lacomparazione c / c, and the reduction of barriers to mobility. Inparticular would be useful to include: 1) the preparation of information sheets with a synthetic chiaraindicazione costs even in a single cost item, 2) the introduction a guarantee of stability, at least for a arcotemporale minimum allocation of costs of keeping and handling of the c / c, 3) full comparability of the costs as required by the singoloconsumatore through the development of information sources, indipendentidal banking system, with the construction of search engines, 4) the annual summary information to the account of spesaeffettivamente incurred in account management, 5) an indication of its change from previous year; 6) identification of modalities to ensure the maintenance of the serviziconnessi c / c for the time necessary to complete the transfer, to avoid duplication of cost to the depositor, 7) defining a time period for implementation delleoperazioni transfer c / c, 8) the elimination of all constraints, contractual, or in fact, nonnecessari between accounts and other services and the development of mechanisms checonsentano accounts portable corrente.Ma issues relating to transparency go also affrontatein terms of harmonization and simplification of rules dellestesse with the objective of avoiding information overload alClient. This whole process must be accompanied by iniziativeautoregolamentari designed to benefit consumers through lacreazione procedures to facilitate the comparison on the one hand, while boosting deiservizi switching (eg guides sullamobilità, partnerships with governments and local authorities to dimigliorare the financial literacy of consumers). With regard to payment systems in my relationship cercheròdi noted that many of the difficulties individuatedall'indagine sector will be remedied by the introduction delladirettiva SEPA (Single European Payment Area) is a few months ago stataapprovata and will enter a regime in 2010. For retidelle payment cards, SEPA offers the potential persopprimere many restrictive rules put in evidenzadall'indagine. The SEPA for payment cards dovrebbeoffrire resellers a greater choice of providers deiservizi acquisition, greater competition in this concentrated mercatomolto. The implementation will enable aicittadini benefit payment services more competitive edefficienti. As for the so-called interchange fees, lecommissioni interchange, the Commission's position that nechiede the total cancellation, as a sort of "tax aidanni merchant" I think eccessiva.La interchange fee guarantee, in fact, the development and efficiency of the instrument payment. In the absence ofthe Commission interbank addition, there is a risk that the bancaemittente to recover its costs, apply a commission altitolare card for each payment or innalzisostanzialmente the annual card fee. In so doing, verrebbetuttavia encouraged the use of cash by the holder against dellacarta of electronic devices more efficient. Just pointing out that the pearl MIF (multilateral interchange fee) being nellosviluppo of an efficient market for payment services, riteniamoche, faced with many important decisions, often between lorocontrastanti, made by national antitrust authorities and quellacomunitaria, it is necessary to achieve a certezzadel right situation. To this end, it would be useful to recommend to Commissionel'emanazione of guidelines that the market can take nelladefinizione of such agreements so that they can be held nonrestrittivi or otherwise exempted. It 'would also be desirable, nelladefinizione measures outlined here, the authorities antitrustattivino a consultation process, similar to what is now already in use in all European regulatory procedures, to ensure that lametodologia MIF calculation, has hitherto been applied in diversecircostanze with sometimes very different ways, vengadefinita in the Union and finally to the same unachiara become uniform at European level . A voltadefinita the calculation methodology, it should be applied uniformly to all sub pages payment circuits, be they domestic or international Pan-European (in this case, of course, in the context of intra-European). A similar soluzionefarebbe ensure that, for the same instrument, each circuit would unapropria mif whose level is determined by the efficiency delcircuito, thus creating a competition among the circuits themselves Epone the foundation for the success of the most efficiente.La situation dell'ItaliaDiversi studies, but on all the survey concluded Antitrust italianaaperta 18 January 2006 and completed a year later, Chein Italy confirmed the average cost of keeping and handling of the account to Current very high compared to other major EU countries. Spending totaleannua average (weighted) system detected in Italy amounted to € circa182 year, against a European figure much lower (in the Netherlands Emen of 35 €, Belgium and the UK less than 65, less than 99 in France, inSpagna about 108). These results confirm that the competitive process in our maggioredebolezza bancariorispetto sector to other countries and the lack of incentives for the development of Unreal game competitive. It is not, in fact, the large number deglioperatori conducted to ensure active aggressive as comeOlanda countries and Belgium have the lowest number of banking groups active maanche the lowest level of average expenditure account corrente.Il central problem is the barriers to mobility deiconsumatori: The obstacles of various kinds, which affect siaal time of initial choice when you want cambiarebanca.Anche the governor of Bank of Italy, Draghi, during giornatamondiale savings in his speech said that the Bancad'Italia, exercising their powers relating to products trasparenzadei bank, has just concluded a sample survey suicosti current accounts. The survey covered about 4,500 contitenuti at more than 130 banks, with a distribution of choice in mododa ensure its representativeness. For more than 70 percent of sitratta accounts for individuals. Based on primeelaborazioni, the average annual expenditure for a current account is now equal € A130. Spending, while low on average compared to similedel 2005 survey, carried out with somewhat different criteria and objectives, is moltovariabile, partly due to the different characteristics of operation: 25 percent of accounts with the lowest number of transactions in annuecosta average of 70 €, compared to 218, with 25 percent of the maggiornumero operations. You can however make some primaosservazione. The customer has partly shifted to the accounts apacchetto, less expensive for most of the profiles of those "aconsumo" where charges depend on the number of operazionieffettuate. However, the type chosen by the customer is not semprela cheaper in relation to the characteristics of the account: nonmancano examples of accounts "consumption" operativitàe therefore characterized by high costs in Italy is very elevati.Vi the need for real transparency to allow aiconsumatori the best choices, along with the elimination of all gliostacoli to transfer from one bank to another. The type of information can be the mechanism of information is such that the hadifficoltà to select the account, during the "initial" award of delcontratto current account, the most economical. The "difficulty" discelta is proved by the variability of prices: the current account also puòspendere 6, in some cases over 10 times more for lostesso use c / c according to the bank and the account selezionatoAlcuni important strides have been made. I am thinking of financial allosviluppo Initiative (Patti clear) masoprattutto reset costs of closing accounts, thanks to the Bersani Decree 2006.È to be hoped that the provision of portability of mortgages dauna bank to another at no cost is effective date and pienaattuazione. The Banks must continue to improve informazionefornita to customers. Transparency of conditions, frabanche competition, customer focus, awareness of quest'ultimacontribuiscono cost reduction, can and should stimolareulteriori progressi.Riguardo the need for greater transparency in Italy dall'indaginecondotta AGCM shows that 66.6% of sheets nonindica conditions on the subsidies, 31.9% condizionidel the ATM (annual fee and issue costs), 67.8% of foglinon shows the costs of withdrawal from ATMs of banks other than that ofthe membership, 57% does not indicate the conditions for credit cartadi, 46.3% does not include conditions relating to the management / issue allowances, 32.4% higher than on the conditions delladomiciliazione or payment of utility bills.
Calendar of parliamentary
January 29, 2008 (ECON) presentation of the report
February 26, 2008 (ECON) discussion of the amendments
March 25, 2008 (ECON) vote of the relationship in Econ
May 2008 vote in Strasbourg
