TAILIEUCHUNG - DIRECTIVE 2004/39/EC OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL

The questionnaire focuses on those aspects of knowledge, attitudes and behaviours that are associated with the overall concept of financial literacy. The questions cover a range of contexts, including accessing financial services, meeting immediate financial requirements and planning for the future. Almost all the questions relate directly to the individual answering the question, although some information is collected about the household, including the household income and the number of people living with the respondent. The core questions have been picked because they are applicable to the vast majority of people and they are suitable across a wide range of countries | I EN I Official Journal of the European Union L 145 1 I Acts whose publication is obligatory DIRECTIVE 2004 39 EC OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 21 April 2004 on markets in financial instruments amending Council Directives 85 611 EEC and 93 6 EEC and Directive 2000 12 EC of the European Parliament and of the Council and repealing Council Directive 93 22 EEC THE EUROPEAN PARLIAMENT AND THE COUNCIL OF THE EUROPEAN UNION Having regard to the Treaty establishing the European Community and in particular Article 47 2 thereof Having regard to the proposal from the Commission 1 2 In recent years more investors have become active in the financial markets and are offered an even more complex wide-ranging set of services and instruments. In view of these developments the legal framework of the Community should encompass the full range of investor-oriented activities. To this end it is necessary to provide for the degree of harmonisation needed to offer investors a high level of protection and to allow investment firms to provide services throughout the Community being a Single Market on the basis of home country supervision. In view of the preceding Directive 93 22 EEC should be replaced by a new Directive. Having regard to the Opinion of the European Economic and Social Committee 2 Having regard to the opinion of the European Central Bank 3 3 Due to the increasing dependence of investors on personal recommendations it is appropriate to include the provision of investment advice as an investment service requiring authorisation. Acting in accordance with the procedure laid down in Article 251 of the Treaty 4 Whereas 1 Council Directive 93 22 EEC of 10 May 1993 on investment services in the securities field 5 sought to establish the conditions under which authorised investment firms and banks could provide specified services or establish branches in other Member States on the basis of home country authorisation and supervision. To this end that .

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