By Brian Snowdon
The Encyclopedia of Macroeconomics is an authoritative and priceless reference resource on macroeconomics which embraces definitions of phrases and ideas, conflicting ideological ways and the contributions of significant thinkers. entire in scope, it comprises over three hundred brief entries and greater than a hundred especially commissioned major entries from an the world over popular team of students.
The alphabetically ordered entries should be valuable either as a uncomplicated reference resource and a provocative stimulus for extra analyzing. The Encyclopedia will quickly be proven as a number one reference resource on macroeconomics that would either enlighten scholars and be hugely valued by way of students and academics of economics.
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55 Moreover it recognises their contribution to European competitiveness, as they serve specific purposes (protection of consumer interests, user safety, social cohesion and regional planning, sustainable development), reaffirms the importance of the principles of neutrality, freedom and proportionality, and underlines that the tasks performed by them should be carried out in such a way as to meet the legitimate expectations of consumers and citizens. In addition, it expresses a number of concerns related to the fact that application of internal market and competition rules should allow services of general economic interest to perform their task under conditions of legal certainty and economic viability which ensure - inter alia - the principle of equal treatment, quality and continuity of such services as well as the necessity of a regular assessment of the contribution made by services of general economic interest to economic growth and social well-being.
See Pilley O. and L. P. and A. Riva (2002), Ruozi R. and L. Anderloni (2002). 1 Access to Bank Accounts and Payment Services 39 Product design consists in designing an innovative range of products that can facilitate financial inclusion, by fulfilling two requirements: meeting basic financial needs, and reducing fixed operating costs and variable transaction costs. This applies both to the provision of basic money transfer facilities (for instance, bill payment), where, however, the bank will still take into account the risk of excessive overdrafts and failure to repay debt, and, in more general terms, to ensuring better transparency and designing products that are easier to use, including insurance and investment products.
46 22 Luisa Anderloni, Emanuele Maria Carluccio Financial literacy and financial education initiatives49 are thus very important weapons in the fight against financial exclusion in its broadest sense, since access to appropriate financial services requires conscious and adequate choices on the part of consumers. 5 The Service of General Interest Mission and the Community-Based Approach Finally, mention should be made of the fact that, given crucial importance of suitable access to financial services – particularly to payment services – in many areas of social and economic life, a debate has developed in some countries about basic banking services as services of general economic interest.