Chapter 3.09 Financial services covers the following areas: banks and financial conglomerates, insurance and capital-funded pension insurance, financial market infrastructure, securities markets and investment services.
Financial services should ensure a stable, safe and efficient financial market, to ensure coherence and consistency between different policy areas such as banking, insurance, securities, investment funds, financial markets, payment systems. The European Union strives to improve the financial sector in Europe and to create a banking union to strengthen the euro.