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Title: Le « grand élargissement » et le respect du droit communautaire
Title (other): Comment assurer l'effectivité des décisions dans l'Union élargie ?
Abstract
It is widely recognised that the enlargement of the European Union to ten new member states in May 2004 represents great institutional and political challenges both for the 'old' and 'new' member states. The EU has tried already three times to prepare its decision-making mechanisms for the near doubling of its membership: with the Treaties of Amsterdam, Nice and the Constitutional Treaty. However, the effectiveness of the EU's governance is also endangered if the member states are not capable of implementing EU rules correctly. The post-enlargement situation is characterised by a huge gap between the capacity of the new member states to implement EU rules and the growing complexity of the post-decisional phase. This study analyses the risks that this situation entails for the governance of the enlarged Union. It also proposes necessary reforms to ensure the effectiveness of this governance in the future. [Urheber s. Copyright]
Author: Völkel, Christian
Series Title: Notre Europe etudes & recherches
Publisher: Groupement d'Etudes et de Recherches Notre Europe
Year: 2004
Language: fr
Ressource: Einzelne Berichte, Studien
Keyword: decision makingEU expansiongovernancejudiciary
Subject: History of the European Communities. European ideaEuropean Community law in general
Countries Scheme: Europe. General Resources
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: Groupement d'Etudes et de Recherches Notre Europe (http://www.notre-europe.asso.fr/)
Title: European Governance
Title (other): Preparatory work for the white paper
Table of Contents
Preface by Je´rou0088me Vignon and Paolo Ponzano
Work Area No 1 - Broadening and enriching the public debate on European matters
Report of the Working Group 'Build European public space' - Working Group 1a
Report of the Working Group 'Democratising expertise and establishing scientific reference systems' - Working Group1b
Work Area No 2 - Handling the process of producing and implementing Community rules
Report of the Working Group 'Consultation and participation of civil society' - Working Group 2a
Report of the Working Group 'Evaluation and transparency' - Working Group 2b
Report of the Working Group 'Better regulation' - Working Group 2c
Work Area No 3 - Improving the exercise of executive responsibilities
Report of the Working Group 'Establishing a framework for decision-making regulatory agencies' - Working Group 3a
Report of the Working Group 'Decentralisation - Better involvement of national, regional and local actors' - Working Group 3b
Work Area No 4 - Coherence and cooperation in a networked Europe
Report of the Working Group 'Involving experts in the process of national policy agencies' - Working Group 4a
Report of the Working Group 'Networking people for a good governance in Europe' - Working Group 4b
Report by Working Group 'Multi-level governance: linking and networking the various regional and local levels' - Working Group 4c
Working Area No 5 - An EU contribution to better governance beyond our borders
Report of the Working Group - 'Strengthening Europe's contribution to world governance' - Working Group 5
Work Area No 6 - Defining the framework for the policies needed by the Union in a longer-term perspective of 10-15 years taking account of enlargement
Report of the Working Group - 'Policies for an enlarged Union' - Working Group 6
Supple
Author (Corp. Body): Europäische Kommission / Generalsekretariat
Publisher: Amt für Amtliche Veröffentlichungen
Year: 2002
ISBN / ISSN / Kat.Nr: 92-894-1072-8 | KA-06-01-002-EN-C
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: democratizationdecision makingEuropeEuropean Policygovernancetransparency
Subject: History of the European Communities. European ideaEuropean Community institutions and organsEuropean Community external relations
Countries Scheme: Europe. General Resources
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: Europäische Kommission (http://europa.eu.int/)
Title: Knowledge base for forward-looking information and services (FLIS)
Title (other): A platform to support long-term decision-making
Abstract
Knowledge base for Forward-looking information and services (FLIS) is a platform to support long-term decision-making. The aim of FLIS is to introduce forward-looking components and perspectives into existing environmental information systems and to expand the knowledge base and its use.[author vide copyright]
Author: Velkavrh, Anita Pirc | White, Owen | Santer, Elena
Contributer: Europäische Umweltagentur
Year: 2011
ISBN / ISSN / Kat.Nr: 978-92-9213-169-2 | H-30-11-020-EN-C
Ressource: Einzelne Berichte, Studien
Keyword: decision makinginformation system
Subject: Protection of the environmentComputer applications
Online Ressource: vorübergehend nicht erreichbar!
Title: Study on consumers’ decision making in insurance services : a behavioural economics perspective ; Final report
Title (other): Study on consumers’ decision making in insurance services : a behavioural economics perspective ; Executive Summary |
Study on consumers’ decision making in insurance services : a behavioural economics perspective ; Annexes to the Final
Report | Study on consumers’ decision making in insurance services : a behavioural economics perspective ; Final report
– Country fiches
Abstract
The study had a threefold objective: Collecting data and evidence, testing a range of remedies to improve consumer decision-making and interest in cross-border offers, and estimating savings consumers could make. The preparatory phase involved the collection of qualitative and quantitative evidence on both demand for and supply of insurance and explored barriers and drivers of cross-border purchases, to support the design of the experimental phase; it consisted of desk-based research, stakeholder interviews, and focus groups. Task 2 involved a consumer survey conducted in conjunction with behavioural experiments, to provide quantitative evidence on consumers’ experiences in the market, the impact of contract features and the presentation of information on consumers’ decision-making, the interplay between contract features and behavioural traits, and consumers’ interest in and barriers to purchasing insurance cross-border. In particular, the experiments tested the effectiveness of remedies to improve consumer decision-making. The survey examined respondents’ behavioural characteristics, experience, and comprehension. Task 3 used the data and evidence collected to estimate potential savings for consumers that better choices may allow for the products studied. The study conclusions and recommendations address a number of general and cross-border insurance issues, such as the provision of information to consumers, the purchasing process, and levels of awareness and understanding.[Author vide copyright]
Table of Contents
ABSTRACT
INTRODUCTION AND RESEARCH OBJECTIVES
1. INTRODUCTION AND RESEARCH OBJECTIVES OF THE STUDY
1.1. Countries covered in the study
1.2. Products covered in the study
METHODOLOGY
2. SUMMARY OF THE RESEARCH METHODS USED TO INFORM THIS STUDY
2.1. Desk-based research
2.2. Stakeholder interviews
2.3. Focus groups
2.4. Online experiment and survey
2.5. Design of the laboratory experiment and survey
2.6. Approach to measuring potential savings consumers could make
EVIDENCE AND FINDINGS
3. FEATURES OF THE NON-LIFE INSURANCE MARKET
3.1. Non-life insurance market data
3.2. Insurers’ practices and distribution channels
3.3. Cross-border selling
4. CONSUMER DECISION-MAKING IN THE NON-LIFE INSURANCE MARKET
4.1. The consumer decision-making framework
4.2. Insights into consumer decision-making from behavioural economics
4.3. Situations in which consumers decide to buy or renew insurance
4.4. Finding and using information when shopping for insurance
4.5. Consumers’ preferred sales channels
4.6. Consumers’ use of insurance post-sale
4.7. Factors potentially leading to problems with consumer decision-making
5. EFFECTIVENESS OF REMEDIES IN HELPING CONSUMERS TO MAKE BETTER DECISIONS
5.1. Remedies that have been proposed or put in place
5.2. Effectiveness of remedies
5.3. Note on the analysis methodology
6. FACTORS THAT LIMIT CROSS-BORDER INSURANCE PURCHASES
6.1. Main factors limiting cross-border insurance purchases
6.2. Interventions to increase cross-border demand
7. POTENTIAL SAVINGS CONSUMERS COULD MAKE
7.1. Assessment of potential premium savings
7.2. Assessment of potentially higher claims pay-outs
7.3. Further assessment of potential savings
CONCLUSIONS AND RECOMMENDATIONS
8. CONCLUSIONS AND RECOMMENDATIONS
8.1. Conclusions
8.2. Policy recommendations
9. BIBLIOGRAPHY
Tables
Figures
| Annexes
INTRODUCTION
ANNEXES RELATING TO TASK 1
1. ANNEX 1: APPROACH TO THE DESK-BASED RESEARCH
1.1. Literature review
1.2. Market data collection
2. ANNEX 2: APPROACH TO THE STAKEHOLDER INTERVIEWS
2.1. Preliminary list of stakeholders
2.2. Preparation ahead of the interviewing process
2.3. Interviews at Member State level
2.4. Interviews with stakeholders at EU level
2.5. Full list of stakeholders interviewed and interview dates
2.6. Stakeholder interview guides
3. ANNEX 3: COUNTRY CASE STUDY GUIDELINES
4. ANNEX 4: APPROACH TO THE FOCUS GROUPS
4.1. Design of the focus group research
4.2. Sampling and recruitment
4.3. Discussion guide
4.4. Focus group recruitment screening questions
ANNEXES RELATING TO TASK 2 – ONLINE COMPONENT
5. ANNEX 5: DESIGN OF THE ONLINE EXPERIMENTAND SURVEY
5.1. Sample sizes
5.2. Components of the experiment and survey
5.3. Structure of the contract choice task
5.4. Treatments
5.5. Incentive structure
5.6. Incorporation of findings from Task 1 and the pilot into the experimental design
6. ANNEX 6: DESIGN OF OFFERS IN THE CONTRACT CHOICE TASK
6.1. Offers home insurance
6.2. Offer motor insurance
6.3. Car rental insurance
6.4. Add-on insurance
7. ANNEX 7: SURVEY AND EXPERIMENT SCRIPT
7.1. Introduction to the Survey
7.2. Socio-demographics (D1)
7.3. Cognitive ability and behavioural characteristics (S3)
7.4. Allocation to products and treatments
7.5. Incentives and introduction to the experiment task
7.6. Choice task
7.7. Comprehension and awareness questions (S4)
7.8. Experience with non-life insurance
7.9. Identifying cross-border oriented consumers
7.10. Questions on interest in and potential obstacles of cross-border insurance purchases
8. ANNEX 8: INCENTIVE STRUCTURE
| 9. ANNEX 9: ONLINE EXPERIMENT SAMPLE SIZE CONSIDERATIONS
9.1. Impact of sample size on representativeness
9.2. Impact of sample size on the precision of estimates
ANNEXES RELATING TO TASK 2 – LABORATORY COMPONENT
10. ANNEX 10: DESIGN OF THE LABORATORY EXPERIMENT AND SURVEY
10.1. Laboratory experiment discussion guide
11. ANNEX 11: LABORATORY EXPERIMENT SAMPLE SIZE CONSIDERATIONS
11.1. Products to be tested in the laboratory environment
11.2. Contextual factors and treatments to be tested
11.3. Rationale for including one product instead of two in the choice task
11.4. Combing the online and laboratory experiment data
11.5. Including further products in the laboratory follow-up questions
FURTHER ANALYSIS, RESULTS AND TECHNICAL INFORMATION
12. ANNEX 12: ASSESSMENT OF POTENTIAL PREMIUMSAVINGS USING SURVEY DATA
13. ANNEX 13: SHARES WHO GAVE EACH AVAILABLE ANSWER TO EACH SURVEY QUESTION
14. ANNEX 14: WEIGHTING FACTORS AND TARGET SHARES FOR GENDER, AGE AND REGION
Author (Corp. Body): London Economics | Ipsos | VVA Europe
Contributer: Europäische Kommission / Generaldirektion Justiz und Verbraucher
Publisher: Europäische Kommission / Amt für Veröffentlichungen
Year: 2017
ISBN / ISSN / Kat.Nr: Specific contract – No 2014 85 08 | Implementing Framework Contract – EAHC/2011/CP/01/LE | 978-92-9200-749-2 | EB-01-17-059-EN-N | 978-92-9200-750-8 | EB-17-01-060-EN-N
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: servicedecision makingEUcross border cooperationconsumerconsumer protectioninsuranceinsurance benefit
Subject: European Community law in generalConsumption. Consumer protectionInsurance. Insurance risks
Countries Scheme: Germany. General ResourcesEurope. General ResourcesSwedenLatviaSlovak Republic
RomaniaItalySpainFranceUnited KingdomLuxembourg
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: Europäische Kommission (http://ec.europa.eu/)
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