Sektionen för inre marknaden, produktion och konsumtion (INT) - Related Opinions
The revised SBA for Europe marks a decisive new stage in the political recognition of SMEs and above all of micro-enterprises. This EESC opinion recommends that the European institutions, Member States and the regions adopt it as the basis for their SMEs policies as well as for their economic and industrial policies. It insists on recognising the SBA's "Think Small First" principle when drafting legislation for SMEs. The EESC notes that the SBA will not succeed unless a genuine "multi-stakeholder and multilevel governance partnership" is established where economic and social partners and all representative public and private stakeholders are involved in political discussions concerning SMEs.
The financial crisis and irresponsible lending have caused an increase in defaults and foreclosures as borrowers have found their loans increasingly unaffordable.The focus of this proposal is to ensure that all consumers purchasing a property or taking out a loan secured by their home are adequately protected against the risks. The opinion is of particular interest for financial professions involved in mortgage credit activities as well as citizens facing such kind of operation.
The EESC considers the Commission's conclusions on the impact of the Services Directive and on the functioning of the services sector to be premature. The directive has been in force for only a few years. Not all the Member States are equally satisfied with the directive and they need to implement it in their own legislation in their own way; these are complicating factors that are not taken into account in the communication. The services sector is large and complex, with many different branches, and it will take time to streamline the single market for services by means of European legislation.
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