La proposta della Commissione europea per un'Unione dei risparmi e degli investimenti vuole che i cittadini contribuiscano anche alla crescita delle imprese dell'UE.
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00:00Musica
00:00Are Europeans prepared to channel their bank savings into strategic investments?
00:18The European Commission hopes so, as it is at the heart, to create a new Savings and Investment Union.
00:25The goal is to help EU companies grow.
00:28EU Decoded checks the sums on the new plan to boost Europe's economy.
00:34According to the Mario Draghi report, the EU needs around 800 billion euro in additional investment each year to remain competitive.
00:43One new source could be Europeans' piggy banks, as households save 1.4 trillion euros annually.
00:50It's estimated that around 10 trillion euros is sitting idle in low-yield bank deposits in the EU.
00:56The Savings and Investment Union proposes to redirect part of it to invest in key sectors, such as transport infrastructure, energy or defence.
01:07Is investing in financial products with a seal of EU guarantee attractive?
01:12Let's see what some citizens think.
01:15I really want Europe to become more competitive on the global scene, and I think Europe is really a beacon of democracy at this time.
01:26So, yeah, I think we need to support Europe for sure.
01:29I would just be very conservative to stuff that I know that it would last, would have a clear future.
01:36Why not if I got any chance to invest, then I will invest, definitely.
01:40I'll invest in a couple of dollars in more.
01:43I've already trained in the role of in EU policy, so I'll invest now just by myself as a business.
01:45I mean, it's a really good choice.
01:46What I would say is that it's been called a business in the EU policy.
01:46Let's say that its own business, which I have been running at the market in the US, because I clearly did not understand what the EU policy is about this.
01:51The choice of government is trying to invest.
01:52I don't know what the EU policy is about the level, and I don't understand that these companies are working on a research for us.
01:54che i suoi problematiche di unione di risposta di unione di risposta di unione.
02:00Ci sono molto molto informazioni di cui ciò che si tratta di unione di risposta di unione,
02:05e che ciò che si tratta di questo, come si tratta di risposta di unione.
02:08Con noi è Paola Soler, che racconta i finanziari e economiche di euro.
02:13Investe in mercati può essere un riscoglioso e complessi processi.
02:18Cosa propone il plan di risposta di finanziarie?
02:22Abbiamo molto pochi livelli di finanziarie all'Europa.
02:25Cosa significa che la gente non capisce come funziona i mercati di capital,
02:29come investire in prodotti, eccetera.
02:32Quindi sono annunciate questa strategia di finanziarie
02:38per la terza quarta di questo anno, per capire questo problema.
02:42Alcuni MEPs sono già suggerendo iniziative,
02:46come web comparazioni di siti,
02:49dove i clienti, i cittadini, possono controllare i prodotti
02:53e vedere cosa sui bene.
02:54E ci sono anche proposti, per esempio,
02:57regolare i finanziari finanziari,
02:59l'attività di finanziarie,
03:00e questo tipo di cose.
03:02Un'altra proposta del plan è
03:05di aumentare i pensioni suplimenti lavoratori
03:07che funzionano in parallelo con i pensioni pubblici.
03:13Come funziona?
03:14La Commissione vuole i membri state
03:17di sviluppare i pensioni suplimenti
03:19che servono per i cittadini.
03:21E ci sono proposti due mesi.
03:23Il primo è di revisione,
03:25di revisionare le framework existenti
03:27e, per l'altro,
03:29ci sono anche delle qualità
03:32di so-called auto-enrollamento,
03:34che è un meccanismo che
03:38automatticamente enrolli individui
03:40in pensioni pubblici,
03:42in pensioni pubblici,
03:43in pensioni pubblici,
03:44senza quelli attivamente
03:45optare a questo.
03:46E, se fosse proprio designato,
03:49questo potrebbe
03:50chanelare i pensioni pubblici
03:52in pensioni pubblici,
03:53e i due proposti
03:54devono essere annunciati
03:56al fine del anno.
03:57Do you think
03:58there are enough
03:59incentivi
04:00per i cittadini
04:02per aumentare
04:03il capitalismo privato
04:04nella economia europea?
04:05Quindi,
04:06vediamo questa nuova impetuzione
04:08della Commissione
04:09per andare avanti
04:10con questi plani
04:11e per chanelare
04:12i cittadini
04:13sui investimenti
04:14in strategie
04:15che necessitiamo.
04:16Ma la questione
04:17reale è
04:18se la città
04:19ha la possibilità
04:20politica
04:21per farlo
04:22di fare questo
04:23e, a parto
04:24di questi prodotti
04:25nuovi investimenti,
04:26avremo anche
04:27più protezione
04:28e una reale
04:29progettazione
04:30aiutare
04:31la città
04:32di finanziare
04:33e investire
04:35e, a parto
04:36non ciò
04:37credo
04:38che non ciò
04:39ciò
04:40si
04:41prendra
04:42i città
04:43un'arga
04:44valore
04:45delle altre
04:46ambità
04:47una è
04:48aiutare
04:50aiutare
04:51con
05:01Finally, it wants to harmonize rules that will make cross-border investing easier, crucial for having a capital markets union.
05:10Our guest is Rebecca Christie, senior fellow at Brugel Think Tank here in Brussels.
05:16Do you think there could be some investment products that would have kind of a quality sale by the European Commission
05:22so that people think this could be a good idea for my savings?
05:26So in my own work, I've thought it would be very helpful to have a European Union label to help people sort through the field of funds out there.
05:33Because in some countries, it's not that there aren't products available.
05:36It's that people don't know where to find them or they don't know how to tell the good ones from the bad ones or anything like that.
05:42If that process can be streamlined somewhat by having a smaller list of already available products that are generally suitable for general investors,
05:52that have a long-term investing horizon, that are diversified, that have low fees, that are appropriate for people saving for their pensions,
05:59then some of these extra costs and compliance burdens can go away on both sides for the people using the accounts and the people offering them.
06:07And that might make it easier.
06:08Rather than exposing people to the capital markets risks,
06:14wouldn't it be better that the European Investment Bank would increase its firepower?
06:20Well, the European Investment Bank works on a very different level.
06:24It makes loans to things like cross-border infrastructure projects and new innovative companies that can try and get them going.
06:32But that's not on the scale to really fund the retirements of everybody across the EU.
06:38And also, that's an investment in a project or a company.
06:42It's not an investment in a pot of money that's going to grow.
06:45And fundamentally, the European Commission is kind of still pushing for governments in terms of creating the banking union and the single capital markets.
06:55Are member states willing to give up sovereignty in this area?
07:00Depends on how you look at sovereignty.
07:01If you look at sovereignty as protecting financial stability and the best interests of your own economy,
07:07it makes sense to want to have joined up capital markets.
07:10The banking union is about half done.
07:13We've seen within the euro area that banking supervision for the biggest banks is at the ECB.
07:18Banking supervision for smaller banks is still with member states.
07:21And this has worked very well.
07:22The banks, on the whole, are safer.
07:25They're being managed well.
07:26To the extent that asset managers, clearing houses, other types of players in this capital market space
07:33can all play by the same rules and can all work together within the EU's single market,
07:38which is its biggest strength, that'll be good.
07:40The European Commission is trying to capture more private capital,
07:44but also prevent it from fleeing to other jurisdictions, notably the US.
07:49Let's see if these actions convince citizens to risk their savings on the future of European business.
07:56We'll be right back to the end.
07:59Thank you.
08:00Thank you very much for your choice.
08:01Thank you.
08:03...
08:10Thank you.
08:17Thank you very much for your attention next year.