After all – to paraphrase slightly what Larry Summers once said – “the new finance is like a highway. It gets you to where you are going better and faster, but the accidents may be worse.” VII. Concluding remarks  Let me conclude.
Our review of the financial structures in the new Member States has showed that substantial progress towards convergence with the euro area has been achieved, but also that there is still a need to improve the financial infrastructure and to strengthen the legal framework.