That is not to say that I exclude this possibility: the creation of the single market for goods and services, the implementation of  16  A. Colecchia and P. Schreyer (2002), “ICT investment and economic growth in the 1990s: is the United States a unique case? A comparative study of nine OECD countries,” Review of Economic Dynamics 5, pp. 408-442.
[The minimum requirements to be met by banks relate to (a) internal rating system design, (b) risk rating system operations, (c) corporate governance and oversight, (d) use of internal ratings, (e) risk quantification, (f) validation of internal estimates, (g) requirements for recognition of leasing, (h) calculation of capital charges for equity exposures and (i) disclosure requirements.]