1504, Paris. • Niepmann, F. (2015): “Banking across borders”, Journal of International Economics, 96 (2), 244265. • The Next CMU High-Level Group (2019): „Savings and Sustainable Investment Union – Report to Ministers and presented to the Finnish Presidency, October 2019, https://nextcmu.eu/wpcontent/uploads/2019/10/The-Next-CMU-HL_DO.pdf, Brussels. • OECD (2015): “National Strategies for Financial Education”, OECD/INFE Policy Handbook, 2015, Paris, https://www.oecd.org/daf/fin/financial-education/National-Strategies-Financial-EducationPolicy-Handbook.pdf, Paris.
Finally, I would also like to take this opportunity to reiterate the need for progress on structural reform. Fiscal consolidation plans should be part of a structural reform agenda that favours growth, competitiveness and employment.