116–135; and De Haas, R., and Popov, A. (2018), “Financial development and industrial pollution,” Tilburg University Discussion Paper 2018–024. 14 Such efforts need to go hand-in-hand with programmes targeted at increasing financial literacy, starting in  secondary school. See Cœuré, B. (2018), “Central banking in times of complexity”, panel remarks at a conference on the occasion of Sveriges Riksbank’s 350th anniversary, Stockholm, 25 May.
15 See Report of a CEPS-ECMI Task Force on Rebranding the Capital Markets Union. 16 See Kraemer-Eis, H. (2017), “SME securitisation in Europe – a short summary”, European Investment Fund. 17 See Bank of England and ECB (2014), “The case for a better functioning securitisation market in the European  Union”, Discussion Paper, May.