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Title: Consumer inflation expectations in Poland
Abstract
Inflation expectations constitute a subject of particular contemporary interest to central banks, especially those pursuing a monetary policy based on a strategy of direct inflation targeting. Macroeconomic theory indicates that the transmission of monetary policy impulses and their impact on the real and nominal sectors of the economy bear a close relationship to properties of inflation expectations. Qualitative data on inflation expectations, as obtained from surveys, can be quantified with the use of probability or regression methods. This paper presents the results of two versions of the probability method, implemented in order to estimate numerical measures of Polish consumer inflation expectations, based on the monthly Ipsos-Demoskop survey. In addition, the unbiasedness and macroeconomic efficiency of Polish consumer inflation expectations are tested, as are the way in which these are formed. The pattern of responses to the survey question and quantified measures of Polish consumer inflation expectations are also compared with the respective findings for the euro area. [Tomasz £yziak]
Author: £yziak, Tomasz
Series Title: Working paper series / European Central Bank ; 287
Publisher: European Central Bank
Year: 2003
Language: en
Ressource: Einzelne Arbeitspapiere, Preprints
Keyword: Monetary PolicyInflation expectationsPolandConsumersCentral Bankmonetary policyinflationPoland
consumercentral bank
Subject: Economic conditionsCurrency. Monetary policy
Countries Scheme: Poland
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Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: Europäische Zentralbank (http://www.ecb.int)
Title: 16. CEIES-Seminar : Agrarstatistik und Information der Verbraucher - Ein neuer Bedarf muss gedeckt werden ; Luxemburg,
19. und 20. November 2001
Title (other): 16th CEIES seminar : Agricultural statistics and consumer information - Meeting new needs ; Luxembourg, 19 and 20
November 2001 | 16e séminaire du CEIES : Les statistiques agricoles et l'information des consommateurs: comment
répondre à de nouveaux besoins ; Luxembourg, 19 et 20 novembre 2001
Series Title:Eurostat - Eurostat Aktuell ; 2002
Author (Corp. Body): Europäische Kommission / Statistisches Amt
Publisher: Amt für Amtliche Veröffentlichungen
Year: 2002
ISBN / ISSN / Kat.Nr: 92-894-3289-6 | 92-894-3290-X | 92-894-3291-8 | KS-PB-02-004-DE-N | KS-PB-02-004-EN-N | KS-PB-02-004-FR-N
Language: en | de | fr
Ressource: Statistiken | Einzelne Vorträge und Tagungsbeiträge
Keyword: agricultural industrystatisticsstatistical methodconsumer
Subject: Agricultural economicsConsumption. Consumer protectionData collectionConferences. Seminars
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://ec.europa.eu/)
Title: Note on the review of the Timeshare Directive
Author: Schulte-Nölke, Hans
Series Title:European Parliament - Note
Publisher: Europäische Union / Europäisches Parlament
Year: 2007
ISBN / ISSN / Kat.Nr: PE 393.507 | IP/A/IMCO/NT/2007-10
Language: en
Ressource: Einzelne Arbeitspapiere, Preprints
Keyword: European Lawdirectiveconsumerconsumer protection
Subject: European Community lawConsumption. Consumer protection
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: Europäisches Parlament (http://www.europarl.europa.eu/)
Title: Report of the ECCG on monitoring indicators of the consumer movement
Author (Corp. Body): European Consumer Consultative Group (ECCG)
Year: unknown
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: Trendreportconsumer
Subject: Demand. Market. Consumption
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://ec.europa.eu/)
Title: European consumer consultative group – Opinion on private damages actions
Author (Corp. Body): European consumer consultative group (ECCG)
Year: 2010
Language: en | de | slv
Ressource: Einzelne Berichte, Studien
Keyword: Private Lawopinionconsumer
Subject: Property rights
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://ec.europa.eu)
Title: Guidance Document on the Relationship Between the General Product Safety Directive (GPSD) and Certain Sector Directives
with Provisions on Product Safety
Author (Corp. Body): Directorate General Health and Consumer Protection
Year: 2003
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: Product safetypilot studyconsumer
Subject: Consumption. Consumer protection
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://ec.europa.eu/)
Title: Consumer interests and the reform of the Cap : a review of relevant documentation and research
Author: Hughes, David ; 143090682
Year: 2002
Language: en
Ressource: Länderinformationen | Einzelne Berichte, Studien
Keyword: reportreformconsumer
Subject: Consumption. Consumer protection
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://ec.europa.eu/)
Title: Report from the commission to the council and the European parliament on Consumer complaints in respect of distance
selling and comparative advertising : (Article 17 of Directive 97/7/EC on distance contracts and Article 2 of Directive
97/55/EC on comparative advertising)
Author (Corp. Body): Kommission der Europäischen Gemeinschaften
Year: 2000
ISBN / ISSN / Kat.Nr: COM(2000) 127 final
Language: en
Ressource: Länderinformationen | Einzelne Berichte, Studien
Keyword: reportappealconsumeradvertising
Subject: Consumption. Consumer protection
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://ec.europa.eu/)
Title: Environmental claims ; Report from the multi-stakeholder dialogue helping consumers make informed green choices and
ensuring a level playing field for business
Author (Corp. Body): Europäische Kommission / Generaldirektion Gesundheit und Verbraucher
Year: 2013
Language: en
Ressource: Länderinformationen | Einzelne Berichte, Studien
Keyword: Environmentreportconsumer
Subject: Demand. Market. Consumption
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://ec.europa.eu/)
Title: Comparison tools ; Report from the multi-Stakeholder dialogue providing consumers with transparent and reliable
information
Author (Corp. Body): Europäische Kommission / Generaldirektion Gesundheit und Verbraucher
Year: 2013
Language: en
Ressource: Länderinformationen | Einzelne Berichte, Studien
Keyword: reportconsumer
Subject: Demand. Market. Consumption
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://ec.europa.eu/)
Title: Management Plan 2018 : Directorate-General for Justice and Consumers
Table of Contents
INTRODUCTION
PART 1. MAIN OUTPUTS FOR THE YEAR
PART 2. MAIN ORGANISATIONAL MANAGEMENT OUTPUTS FOR THE YEAR
Author (Corp. Body): Europäische Kommission / Generaldirektion Justiz und Verbraucher
Year: 2018
ISBN / ISSN / Kat.Nr: Ref. Ares(2018)16416
Language: en
Ressource: Einzelne Programme und Statuten
Keyword: EUEuropean Commissionjudiciarymanagementplanningconsumer
Subject: European Community institutionsLaw. Jurisprudence. Legal systemsConsumption. Consumer protection
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://ec.europa.eu/)
Title: 2015 Annual Activity Report : DG Justice and Consumers
Title (other): 2015 Annual Activity Report : DG Justice and Consumers : Annexes
Abstract
The Annual Activity Report is a management report of the Director-General of DG Justice and Consumersto the College of Commissioners. It is the main instrument of management accountability within the Commission and constitutes the basis on which the Commission takes its responsibility for the management of resources by reference to the objectives set in the management plan and the efficiency and effectiveness of internal control systems, including an overall assessment of the costs and benefits of controls.The executive summary has four subsections:a) Policy highlights of the year (executive summary of section 1).b) The five most relevant Key Performance Indicators (KPIs) for the illustration of policy highlights identified in the DGs 2015 Management Planc) Key conclusions on Management and Internal control(executive summary of section 2)d) Information to the Commissioner
Table of Contents
INTRODUCTION
THE DG IN BRIEF
EXECUTIVE SUMMARY
A) POLICY HIGHLIGHTS OF THE YEAR (EXECUTIVE SUMMARY OF SECTION 1)
B) KEY PERFORMANCE INDICATORS (6 KPIs)
C) KEY CONCLUSIONS ON MANAGEMENT AND INTERNAL CONTROL (EXECUTIVE SUMMARY OFSECTION 2)
D) INFORMATION TO THE COMMISSIONER(S)
1. KEY RESULTS AND PROGRESS TOWARDS THE ACHIEVEMENT OF GENERAL AND SPECIFIC OBJECTIVES OF THE DG
2. MANAGEMENT AND INTERNAL CONTROL
2.1 CONTROL RESULTS
2.1.1 CONTROL EFFECTIVENESS AS REGARDS LEGALITY AND REGULARITY
2.1.2 EFFICIENCY AND COST-EFFECTIVENESS
2.1.3 FRAUD PREVENTION AND DETECTION
2.2 AUDIT OBSERVATIONS AND RECOMMENDATIONS
2.3 ASSESSMENT OF THE EFFECTIVENESS OF THE INTERNAL CONTROL SYSTEMS
2.4 CONCLUSIONS AS REGARDS ASSURANCE
3. DECLARATION OF ASSURANCE AND RESERVATION
ANNEXES
ANNEX 1: STATEMENT OF THE RESOURCES DIRECTOR
ANNEX 2: HUMAN AND FINANCIAL RESOURCES
ANNEX 3: DRAFT ANNUAL ACCOUNTS AND FINANCIAL REPORTS
ANNEX 4: MATERIALITY CRITERIA
ANNEX 5: INTERNAL CONTROL TEMPLATE(S) FOR BUDGET IMPLEMENTATION (ICTs)
ANNEX 9: EVALUATIONS AND OTHER STUDIES FINALISED OR CANCELLED IN 2015
ANNEX 10: SPECIFIC ANNEXES RELATED TO "MANAGEMENT OF RESOURCES"
ANNEX 12: PERFORMANCE TABLES
Author (Corp. Body): Europäische Kommission / Generaldirektion Justiz und Verbraucher
Year: 2016
ISBN / ISSN / Kat.Nr: Ref. Ares(2016)1548840 | just _aar_2015_ final
Language: en
Ressource: Einzelne Geschäfts- und Jahresberichte
Keyword: reportEUEuropean Commissionjudiciaryworkconsumer
Subject: European Community institutionsLaw. Jurisprudence. Legal theoryConsumption. Consumer protection
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://ec.europa.eu/)
Title: Management Plan 2016 : DG for Justice and Consumers
Table of Contents
PART 1. Overview of main outputs for the year
PART 2. Organisational management outputs for the year
Annexes to the Management Plan
Annex 1 Performance tables (if not included in the body of the document)
Author (Corp. Body): Europäische Kommission / Generaldirektion Justiz und Verbraucher
Year: 2016
ISBN / ISSN / Kat.Nr: Ref. Ares(2016)1295393
Language: en
Ressource: Einzelne Programme und Statuten
Keyword: EUEuropean Commissionjudiciarymanagementplanningconsumer
Subject: European Community institutionsLaw. Jurisprudence. Legal systemsConsumption. Consumer protection
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://ec.europa.eu/)
Title: Management Plan 2017 : DG for Justice and Consumers
Table of Contents
INTRODUCTION
PART 1. MAIN OUTPUTS FOR THE YEAR
PART 2. MAIN ORGANISATIONAL MANAGEMENT OUTPUTS FOR THE YEAR
ANNEXES TO THE MANAGEMENT PLAN
Annex 1. Tables [if not included in the body of the document]
Author (Corp. Body): Europäische Kommission / Generaldirektion Justiz und Verbraucher
Year: 2016
ISBN / ISSN / Kat.Nr: Ref. Ares(2016)7048374
Language: en
Ressource: Einzelne Programme und Statuten
Keyword: EUEuropean Commissionjudiciarymanagementplanningconsumer
Subject: European Community institutionsLaw. Jurisprudence. Legal systemsConsumption. Consumer protection
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://ec.europa.eu/)
Title: Strategic Plan 2016-2020 : DG Justice and Consumers
Abstract
The mission of the Directorate-General for Justice and Consumers is to uphold and strengthen the rights of people living in the European Union, whether they are acting as consumers, entrepreneurs or workers and the rights of EU citizens in the European Union and abroad. Our policies and our daily work are based on core values and principles of freedom, democracy, the rule of law, equality, tolerance, and respect for human rights.[Author vide copyright]
Table of Contents
PART 1. Strategic vision for 2016-2020
A. Mission statement
B. Operating context
C. Strategy
D. Key performance indicators (KPIs)
PART 2. Organisational management
A. Human Resource Management
B. Financial Management: Internal control and Risk management
C. Better Regulation (only for DGs managing regulatory acquis)
D. Information management aspects
E. External communication activities
Annex to the Strategic Plan (if applicable)
Author (Corp. Body): Europäische Kommission / Generaldirektion Justiz und Verbraucher
Year: 2016
ISBN / ISSN / Kat.Nr: Ref. Ares(2016)1295393
Language: en
Ressource: Einzelne Programme und Statuten
Keyword: EUEuropean Commissionjudiciarystrategic planningstrategic managementconsumer
Subject: European Community institutionsLaw. Jurisprudence. Legal systemsConsumption. Consumer protection
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://ec.europa.eu/)
Title: Management Plan 2015 : DG for Justice and Consumers
Abstract
The mission of the Directorate-General for Justice and Consumers is to upholdand strengthen the rights of people living in the European Union, whether they are acting as citizens, consumers, entrepreneurs or workers.The Directorate-General works to achieve Commissioner Jourová’s core goals of giving people “more choice, more protection and more trust”.Our policies and our daily work are based on core values and principles of freedom, democracy, the rule of law, equality, tolerance, and respect for human rights.[Author vide copyright]
Table of Contents
PART 1. MISSION STATEMENT
PART 2. THIS YEAR’S CHALLENGES
PART 3. GENERAL OBJECTIVES OF THE POLICY
PART 4. SPECIFIC OBJECTIVES FOR OPERATIONAL ABB ACTIVITIES
4.1. ABB Activity 33 02 – Rights, Equality and Citizenship
4.2. ABB activity 33 03 – Justice
4.3. ABB activity 17 02 – Consumer policy
PART 5. HORIZONTAL ACTIVITIES
Policy strategy and coordination
Management of the DG
ANNEX 1. IT RESOURCES
ANNEX 2. CRITICAL AND CROSSCUTTING RISKS
ANNEX 3. PRIORITISED INTERNAL CONTROL STANDARDS FOR EFFECTIVE MANAGEMENT
ANNEX 4. PLANNING OF STUDIES (EVALUATIONS ANDOTHER STUDIES)
ANNEX 5. COMMUNICATION STRATEGY
Author (Corp. Body): Europäische Kommission / Generaldirektion Justiz und Verbraucher
Year: 2015
Language: en
Ressource: Einzelne Programme und Statuten
Keyword: EUEuropean Commissionjudiciarymanagementplanningconsumer
Subject: European Community institutionsLaw. Jurisprudence. Legal systemsConsumption. Consumer protection
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://ec.europa.eu/)
Title: Second consumer market study on the functioning of the retail electricity markets for consumers in the EU : Final report
Title (other): Second consumer market study on the functioning of the retail electricity markets for consumers in the EU : Final Report
Annexes | Second consumer market study on the functioning of the retail electricity markets for consumers in the EU :
Country fiches | Second consumer market study on the functioning of the retail electricity markets for consumers in the
EU : Executive Summary | Deuxième étude de marché consommateurs sur le fonctionnement des marchés de détail de
l'électrisité pour les consommateurs de l'UE : Résumé opérationnel
Abstract
This study on the functioning of retail electricity markets for consumers in the EU is the follow up to the first market study conducted in 2009/2010, and published by the European Commission in 2010. The objectives of the current study are to investigate if a well-functioning electricity market is in place for consumers in the EU and assess how the performance of retail electricity markets for consumers has developed since the first market study. The study also examines the extent to which consumers are able to make informed and empowered choices and what motivates their behaviour in the electricity market.The study covers all EU Member States, Iceland and Norway. Between July 2014 and October 2015, the following activities were carried out: consultations with national stakeholders (energy regulators, consumer associations, Alternative Dispute Resolution entities active in the retail energy sector, electricity associations, enforcement bodies and company mediators); a consumer survey measuring consumers’ awareness, attitudes and experiences with electricity services; a behavioural experiment consisting of a ‘‘stay or switch” exercise and a comprehension test of bills and marketing material; a mystery shopping exercise replicating consumers’ experiences in four areas (“questions about billing”, “finding a cheaper tariff”, information available on “switching and complaint handling” and “green tariffs and efficient energy use”); and, a price collection exercise compiling and analysing a comprehensive and representative sample of electricity prices offered to household consumers.[Author vide copyright]
Table of Contents
1. Introduction and background
1.1 Objectives and scope of the study
1.2 Main tasks and methodology used
1.2.1 Main task 1: Regulatory overview and stakeholder consultation
1.2.2 Main task 2: Consumer survey
1.2.3 Main task 3: Price and tariff collection
1.2.4 Main task 4: Mystery shopping
1.2.5 Main task 5: Behavioural experiments
1.3 Transposition of the Third Energy Package and market maturity
1.4 Analysis by respondent characteristics
1.4.1 Socio-demographic characteristics
1.4.2 Affordability of electricity bills
1.4.3 A composite index measuring “conscious” electricity use
1.5 Structure of the report
2. General perceptions and awareness of the electricity market
2.1 General perceptions of the electricity market
2.2 Consumers’ views on overall quality of service
2.3 Consumers’ views on availability and quality of assistance
2.3.1 Consumers who contacted their electricity company in the past 12 months
2.3.2 Main reasons for which consumers had contacted their electricity company
2.3.3 Quality of assistance
2.3.4 Speed of service
2.4 Consumers’ views about availability of information
2.5 Consumers’ awareness about various aspects of their electricity use
2.5.1 Consumers’ awareness about their household’s electricity use
2.5.2 Self-reported awareness about contract terms
2.6 Consumers’ awareness of consumer protection bodies
2.7 Trust in electricity companies and regulators
2.8 Consumers’ views about the role of national energy regulators
3. Choice and comparability
3.1 Consumers’ views on choice in the market
3.2 Consumers’ views on comparability of tariffs and offers
3.2.1 Consumers’ experience with comparing offers and tariffs
3.2.2 Consumers’ views on comparability
3.3 Choice complexity–results of a behavioural experiment
3.3.1 Dripping Information behind a “pop-up” button
3.3.2 Presenting upfront information in a standardised or non-standardised format
| 3.3.3 Share of respondents that clicked the “See the Terms & Conditions” button
3.3.4 Effect of respondent characteristics and behaviours on comprehension
4. Switching
4.1 Regulatory framework related to switching
4.2 Switching rates
...
4.3 Access to information about switching: information found on electricity companies’ websites
4.4 Consumers’ views on ease of switching
4.5 Consumers’ awareness of switching rules
4.6 Reasons for switching
4.7 Barriers to switching/reasons for not switching
...
4.8 Results of the “stay or switch” experiment
5. Billing
5.1 Regulatory framework related to content of electricity bills
5.2 Billing practices/information provided in electricity bills
5.3 Consumers’ understanding of electricity bills
5.4 Quality of assistance related to understanding electricity bills
6. Problems, complaints and complaint handling
6.1 Complaint procedures
6.2 Incidence and type of problems experienced by consumers
6.3 Consumers’ experiences with complaint handling
6.4 Obtaining information about complaint handling
6.5 Problems related to unfair commercial practices and other market issues
7. Tariffs and prices
7.1 Price regulation in place
7.2 Consumers’ views on prices
7.3 Types of tariff available
7.4 Cross Member State comparison of price level
...
7.5 Price structure
7.6 Determinants of prices
7.7 Price trends
7.8 Price convergence
7.9 Availability of cheaper tariffs
...
8. Affordability
8.1 Cross-Member State comparison of expenditure on electricity
...
8.2 Consumers having difficulty paying their electricity bills
...
8.3 Definitions of consumer vulnerability, including energy poverty
8.4 Are there specific groups that can be considered more vulnerable in relation to the energy market?
8.5 Policy measures for consumers in arrears with electricity bills
8.6 Consumers’ awareness of policy measures for consumers in arrears with electricity bills
| 8.7 Consumers benefiting from assistance in paying their electricity bills
9. Consumers’ attitudes towards energy efficiency and renewable energy
9.1 Consumers’ views on energy consumption and energy efficiency
...
9.2 Obtaining information about energy efficiency and related topics
...
9.3 “Green” energy tariffs
...
10. Innovation
10.1 Are electricity companies proactive in putting forward innovations in technology and services?
10.2 Legislation and regulation supporting innovation
10.3 Consumers’ views on bundling
10.4 Main innovations–stakeholders’ views
10.5 Smart metering
...
10.6 Collective switching
...
10.7 Feed-in tariffs
11. Conclusions and recommendations
11.1 General consumer attitudes and awareness
11.2 Consumer awareness
11.3 Information provision
11.4 Quality of service and assistance
11.5 Choice and comparability
11.6 Switching
11.7 Billing
11.8 Prices
11.9 Affordability
11.10 Vulnerable consumers
11.11 Complaints and redress
11.12 Enforcement
11.13 Innovation
| Annex
ANNEX 1 METHODOLOGY OF THE CONSUMER SURVEY
A1.1 Sampling approach and sample size
A1.2 Pilot study
A1.3 The questionnaire
A1.4 Main stage fieldwork
A1.5 Panel information
A1.6 Weighting
ANNEX 2 METHODOLOGY OF THE PRICE COLLECTION EXERCISE
ANNEX 3 METHODOLOGY OF THE EMPIRICAL ANALYSIS OF DETERMINANTS OF PRICES
A3.1 Variables used in the empirical analysis
A3.2 Correlations between variables used in the empirical analysis
A3.3 Summary statistics of the variables used in the empirical analysis
A3.4 Grouping of variables in empirical analysis: factor analysis
ANNEX 4 ADDITIONAL INFORMATION ON CONVERGENCE OF PRICES
ANNEX 5 METHODOLOGY OF THE MYSTERY SHOPPING
A5.1 Scenarios tested and mode of evaluation
A5.2 Number of evaluations completed and number of providers evaluated
A5.3 Fieldwork dates
A5.4 Quality control procedures
A5.5 Additional tables for scenario “billing” (content of bills)
A5.6 Additional tables for scenario “billing” (obtaining information by phone)
A5.7 Additional table for scenario “switching and complaint handling” (evaluations by phone)
A5.8 Additional tables for scenario “Green tariffs and energy efficiency”
ANNEX 6 METHODOLOGY OF THE BEHAVIOURAL EXPERIMENT
A6.1 Profiles
A6.2 Experiment 1: Stay or switch
A6.3 Experiment 2: Bill comprehension
A6.4 Experiment 3: Marketing material comprehension
A6.5 Questions on bundling
ANNEX 7 TRANSPOSITION OF THE THIRD ENERGY PACKAGE INTO NATIONAL LEGISLATION
ANNEX 8 LIST OF RESPONDING STAKEHOLDERS (CONSULTATION)
ANNEX 9 LIST OF REFERENCES
Author (Corp. Body): Ipsos London Economics Deloitte consortium
Contributer: Europäische Kommission / Generaldirektion Justiz und Verbraucher
Publisher: Europäische Kommission / Amt für Veröffentlichungen
Year: 2016
ISBN / ISSN / Kat.Nr: 978-92-9200-730-0 | EB-04-16-585-EN-N | 978-92-9200-729-4 | EB-04-16-586-EN-N | 978-92-9200-728-7 | EB-02-16-693-EN-N | 978-92-9200-726-3 | EB-02-16-692-EN-N | 978-92-9200-727-0 | EB-02-16-692-FR-N
Language: en | fr
Ressource: Einzelne Berichte, Studien
Keyword: electric power industryEUmarket researchmarket orientationconsumerconsumer protectioncompetition
Subject: European Community law in generalElectrical industry. Electric powerMarkets. Competition
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://ec.europa.eu/)
Title: Consumer market study on the functioning of legal and commercial guarantees for consumers in the EU : Final report
Title (other): Consumer market study on the functioning of legal and commercial guarantees for consumers in the EU : Annex ; Final
report | Consumer market study on the functioning of legal and commercial guarantees for consumers in the EU : Executive
Summary | Consumer market study on the functioning of legal and commercial guarantees for consumers in the EU : Country
fiche: Austria
Abstract
This study about legal and commercial guarantees, funded by the European Union in the frame of the EU Consumer Programme (2014-2020), looks at the extent to which sellers are aware of, and comply with, relevant EU legislation; the way in which legal and commercial guarantees are communicated to consumers; and the extent to which consumers are aware of their rights and are willing to make use of them. The study also seeks to provide a better understanding of the way consumers perceive commercial guarantees and their impact on purchasing decisions.The study covers all EU Member States, Iceland and Norway. Between September 2014 and August 2015, the following activities were carried out: a regulatory review of the implementation of the Consumer Sales Directive; consultations with retailers, manufacturers, consumer bodies, ECC-net, ADR bodies and enforcement authorities; an online consumer survey measuring consumers’ experience with legal and commercial guarantees; an online behavioural experiment consisting of a choice and willingness-to-pay experiment as well as a comprehension test; a mystery shopping exercise replicating consumers’ experiences when it comes to seeking information regarding legal and commercial guarantees, and executing their rights; and a price collection exercise recording commercial guarantee prices for four different consumer good categories.[Author vide copyright]
Table of Contents
1. Introduction and background
1.1 Objectives and scope of the study
1.2 Main tasks and methodology used
1.2.1 Main task 1: Regulatory review and stakeholder consultation
1.2.2 Main task 2: Consumer survey
1.2.3 Main task 3: Price collection
1.2.4 Main task 4: Mystery shopping
1.2.5 Main task 5: Behavioural experiment
1.3 Terminology used in this study
2. The legal guarantees regulatory environment in the EU
2.1 The applicable EU legislation
2.2 Implementation of the Consumer Sales Directive in the EU28
2.3 Enforcement issues
3. Consumer information
3.1 Informing consumers about the free of charge, two-year legal guarantee
3.1.1 Information provided in online stores
3.1.2 Information displayed in-store with the product or provided spontaneously by a sales person
3.1.3 Informing consumers about the legal guarantee period
3.2 Information provided with commercial guarantees
3.2.1 Information displayed with the commercial guarantee
3.2.2 Information provided about terms and conditions of the commercial guarantee
3.2.3 Reminding consumers about the legal guarantee
3.2.4 Communicating price information to consumers
3.3 The importance of providing information to increase consumers’ trust in sellers and authorities
4. Consumer understanding and decision making
4.1 Understanding of the legal guarantee
4.2 Knowledge of legal guarantee provisions
4.2.1 Knowledge about the length of the legal guarantee period
4.2.2 Legal guarantee provisions
4.2.3 Knowledge about what is covered by the legal guarantee
4.2.4 Burden of proof
4.2.5 Freezing/reset of guarantee duration
4.2.6 Spare parts
4.2.7 Original packaging
5. Sellers’ and consumers’ awareness of legal and commercial guarantee provisions
5.1 Consumers’ views about information provided about legal and commercial guarantees
5.1.1 Consumers’ evaluation of information received about the legal guarantee
| 7.1.2 Extent to which consumers seek redress
7.1.3 Consumers’ experiences when seeking redress
7.1.4 Impact of problems when seeking redress on trust in sellers, public authorities and consumer organisations
7.1.5 Unfair commercial practices
7.1.6 Level of consumer detriment, as reported by consumers
7.2 Remedies
7.2.1 Sellers’ or manufacturers’ liability?
7.2.2 Consumers’ views on the hierarchy of remedies
7.2.3 Remedies offered when seeking redress
7.2.4 How do sellers communicate about the hierarchy of remedies?
7.2.5 Prior overview of costs linked to a repair
7.2.6 How long does it take to provide consumers with a remedy?
7.3 Redress
7.3.1 Do consumers abuse their legal and commercial guarantee rights?
7.3.2 Effectiveness of complaints handling by ADR/ODR
7.3.3 Consumers’ trust in public authorities and consumer organisations to protect their rights
8. Key conclusions and recommendations
8.1 Information provision and consumer understanding
8.1.1 Information provision about legal andcommercial guarantees
8.1.2 Consumer understanding
8.2 Consumer choice and comparison
8.2.1 The commercial guarantee market
8.2.2 Consumers’ understanding and choice of commercial guarantees
8.3 Consumer problems
8.3.1 Incidence of problems
8.3.2 Problem areas identified by the study with regards to sellers’ compliance
8.3.3 Effectiveness of complaint handling
8.3.4 Cross-border enforcement of consumer guarantees rights
| 5.1.2 Consumers’ evaluation of information received about commercial guarantees
5.1.3 Access to information about guarantees (actively searched by consumers)
5.2 Consumers’ awareness of the existence of a legal guarantee
5.3 Sellers’ awareness about the free-of-charge, two-year legal guarantee
5.4 Stakeholders’ opinions on consumers’ awareness and access to information
6. Consumers’ experience with commercial guarantees
6.1 The commercial guarantee market
6.1.1 Examination of commercial guarantees offered online
6.1.2 Examination of commercial guarantees offered in-store
6.1.3 Examination of commercial guarantees offered with cars
6.1.4 Buying products with a commercial guarantee
6.2 Consumers’ purchase behaviour for commercial guarantees
6.2.1 Details about the purchasing process
6.2.2 Comparing commercial guarantees before making a purchase
6.2.3 Reasons for buying a commercial guarantee
6.2.4 Reasons for not buying commercial guarantees
6.2.5 What could convince consumers to buy a commercial guarantee?
6.2.6 Consumers’ experience with withdrawal from a commercial guarantee bought online
6.3 Consumers’ choice and understanding of commercial guarantees
6.3.1 Proportion of respondents choosing the correct option
6.3.2 The impact of information, complexity and framing on commercial guarantee choice
6.3.3 Impact of motivations, comprehension and cognitive ability on performance in the choice experiment
6.4 Willingness to pay for commercial guarantees
6.4.1 Average willingness-to-pay
6.4.2 Impact of product price and duration of the commercial guarantee on willingness to pay
6.4.3 Impact of motivations on willingness to pay
6.4.4 Impact of awareness and knowledge of legal guarantees on willingness-to-pay
6.4.5 Impact of trust in sellers and institutions on willingness to pay (WTP)
7. Consumer experience: problems, remedies and redress
7.1 Problems
7.1.1 Proportion of consumers encountering problems
| Annex
ANNEX 1 MORE INFORMATION ABOUT THE LEGAL GUARANTEES REGULATORY ENVIRONMENT IN THE EU
A1.1 Terminology around guarantees
A1.2 The applicable EU legislation
A1.3 State of play of the implementation of the legislation
ANNEX 2 THE LEGAL GUARANTEE FOR SECOND HAND GOODS
A2.1 Buying second hand goods
A2.2 Informing consumers about the legal guarantee for second hand goods and its length
ANNEX 3 VALUATION OF THE LEGAL AND COMMERCIAL GUARANTEE MARKET
A3.1 Valuation of the paid-for commercial guarantee market
A3.2 Valuation of the integral commercial guarantees market
A3.3 Valuation of the legal guarantee market
ANNEX 4 BEHAVIOURAL EXPERIMENT REGRESSION ANALYSIS
ANNEX 5 REFERENCES
ANNEX 6 METHODOLOGY
A6.1 Literature review and stakeholder consultation
A6.2 Price collection
A6.3 Consumer survey
A6.4 Mystery shopping exercise
A6.5 Behavioural experiment design
Author (Corp. Body): Ipsos London Economics Deloitte consortium
Contributer: Europäische Kommission / Generaldirektion Justiz und Verbraucher | Consumers, Health, Agriculture and Food Executive Agency
Publisher: Europäische Kommission / Amt für Veröffentlichungen
Year: 2015
ISBN / ISSN / Kat.Nr: 978-92-79-53734-9 | DS-02-15-930-EN-N | 978-92-79-53727-1 | DS-02-15-931-EN-N | 978-92-79-53762-2 | DS-01-15-922-EN-N
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: EUguaranteecommerceinternetlegal claimconsumerconsumer protection
Subject: European Community law in generalConsumption. Consumer protection
Countries Scheme: Germany. General ResourcesAustria. General ResourcesEurope. General ResourcesDenmarkFinlandIceland
NorwaySwedenEstoniaLatviaPolandSlovak RepublicCzech RepublicHungaryBulgariaCroatia
RomaniaSloveniaGreeceItalyMaltaPortugalSpainCyprusBelgiumFranceUnited KingdomIrelandLuxembourgNetherlands
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/)
Title: Behavioural Study on Advertising and Marketing Practices in Online Social Media : Final Report
Title (other): Behavioural Study on Advertising and Marketing Practices in Online Social Media : Executive Summary | Behavioural Study
on Advertising and Marketing Practices in Online Social Media : Annex 1.0 Literature review | Behavioural Study on
Advertising and Marketing Practices in Online Social Media : Annex 1.1.1 Country fiches | Behavioural Study on
Advertising and Marketing Practices in Online Social Media : Annex 1.1.2 OSM providers selection for Desk Research |
Behavioural Study on Advertising and Marketing Practices in Online Social Media : Annex 1.1.3 Provider fiches desktop |
Behavioural Study on Advertising and Marketing Practices in Online Social Media : Annex 1.1.4 Provider fiches
applications | Behavioural Study on Advertising and Marketing Practices in Online Social Media : Annex 1. 3.1 Desk
research report | Behavioural Study on Advertising and Marketing Practices in Online Social Media : Annex 1.3.2 Online
communities report | Behavioural Study on Advertising and Marketing Practices in Online Social Media : Annex 1. 4 .1
Stakeholder survey | Behavioural Study on Advertising and Marketing Practices in Online Social Media : Annex 1.5 Legal
assessment of problematic practices | Behavioural Study on Advertising and Marketing Practices in Online Social Media :
Annex 1. 6 Identification of remedies | Behavioural Study on Advertising and Marketing Practices in Online Social Media
: Annex 2.1 Behavioural experiments | Behavioural Study on Advertising and Marketing Practices in Online Social Media :
Annex 1.2 Business model identification
Abstract
The key objective of this multi-method, exploratory study was to investigate advertising and marketing practices in online social media (OSM) from the perspective of consumer behaviour and consumer protection. It aimed to identify and assess commercial practices in the context of OSM that could be potentially unfair or misleading for consumers. Furthermore, the study aimed to investigate the factors that contribute to their prevalence, and to identify and assess potential remedies to these problematic commercial practices.
Table of Contents
1 Introduction
1.1 Study objectives and report structure
1.2 Methodological approach
1.3 Definition of Online Social Media
2 Online Social Media in the EU
2.1 Introduction
2.2 Top Online Social Media providers in the EU
2.3 Differences across EU Member States
2.4 Key Online Social Media providers in focus
2.4.1 Facebook Inc.
2.4.2 YouTube
2.4.3 Twitter
2.4.4 Reddit
2.4.5 LinkedIn
2.4.6 Snapchat
2.5 Revenue streams of Online Social Media providers
2.6 Delivering marketing content to Online Social Media users
2.7 Commercial practices on Online Social Media
3. Disguised Advertising Practices
3.1 Introduction
3.1.1 Native advertising
3.1.2 Influencer marketing
3.1.3 Advertorials
3.2 Consumer issues
3.2.1 Evidence from the qualitative research
3.2.2 Evidence from the behavioural experiments
3.2.3 Conclusions
3.3 Legal assessment and remedies
3.3.1 Options for regulatory action
3.3.2 Options for enforcement action
3.3.3 Options for self-regulatory action
3.3.4 Other remedy options
4. Social Proof Practices
4.1 Introduction
4.1.1 Artificial boosting of social proof indicators
4.1.2 Extrapolation of social endorsements
4.1.3 Other practices linked to social proof
4.2 Consumer issues
4.2.1 Evidence from the qualitative research
4.2.2 Evidence from the behavioural experiments
4.2.2.1 Artificial boosting of social proof indicators
4.2.2.2 Extrapolation of social endorsements
4.3 Conclusions
| 4.4 Legal assessment and remedies
4.4.1 Options for regulatory action
4.4.2 Options for enforcement action
4.4.3 Options for self-regulatory action
5. Data Gathering and Targeting Practices
5.1 Introduction
5.1.1 User tracking
5.1.2 Audience targeting
5.1.3 Social media logins
5.2 Consumer issues
5.3 Conclusions
5.4 Legal assessment and remedies
5.4.1 Options for regulatory action
5.4.2 Practice-specific options for enforcement
5.4.3 Other remedy options
6 Other Problematic Practices
6.1 Description of specific practices identified
6.2 Consumer issues, legal assessment and conclusions
6.3 Legal assessment and remedies
6.3.1 Options for enforcement action
7 Conclusions
7.1 The OSM Landscape in the EU
7.2 Disguised advertising practices
7.2.1 Introduction and evidence of consumer issues
7.2.2 Options for regulatory action
7.2.3 Options for enforcement action
7.3 Social proof practices
7.3.1 Introduction and evidence of consumer issues
7.3.2 Options for regulatory action
7.3.3 Options for enforcement action
7.4 Data gathering practices
7.4.1 Introduction and evidence of consumer issues
7.4.2 Options for regulatory action
7.4.3 Options for enforcement action
7.5 General discussion of the current legal context
8 Appendix – Limitations and Future Research
9 List of Annexes
Author (Corp. Body): GfK Consortium
Contributer: Wageningen Universiteit en Researchcentrum | CentERdata | Europäische Kommission / Consumers, Health, Agriculture and Food Executive Agency | Europäische Kommission / Generaldirektion Justiz und Verbraucher | Rand Eu
Publisher: Europäische Kommission / Amt für Veröffentlichungen
Year: 2018
ISBN / ISSN / Kat.Nr: Framework contract No. Chafea 2015 CP 01 | Project number: 2018.3823 | 978-92-9200-945-8 | EB-01-18-679-EN-N | Specific contract No. 2015 85 01 | Project number : 2018.3821 | 978-92-9200-932-8 | EB-02-18-896-EN-N | 978-92-9200-940-3 | EB-01-18-680-EN-N | 978-92-9200-937-3 | EB-01-18-681-EN-N | 978-92-9200-946-5 | EB-01-18-682-EN-N | 978-92-9200-941-0 | EB-01-18-683-EN-N | 978-92-9200-943-4 | 978-92-9200-944-1 | EB-01-18-687-EN-N | EB-01-18-686-EN-N | 978-92-9200-939-7 | EB-01-18-688-EN-N | 978-92-9200-933-5 | EB-01-18-690-EN-N | 978-92-9200-934-2 | EB-01-18-691-EN-N | 978-92-9200-942-7 | EB-01-18-692-EN-N | 978-92-9200-935-9 | EB-01-18-685-EN-N
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: EUmarketing instrumentmediaonline mediaconsumerconsumer protectionadvertising mediaadvertising
competition
Subject: European Community law in generalMediaMarkets. CompetitionConsumption. Consumer protection
Countries Scheme: Europe. General Resources
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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
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