In the current time there are many initiatives that are aimed to protect financial institution clients in the European Union. Current economic and financial crisis has shown that there is a need for common approach in this area. Some proposals have been passed. But there are still some in the bill stage and the deposit guarantee schema is one of them. The aim of the article is therefore to describe briefly and assess the proposed European model. The article also contains comparison with the operating United States model due to the inspiration possibility.
Manuel Agüeros, Pedro Casares-Hontañón, Pablo Coto-Millán, Pablo De Castro and Miguel Ángel Pesquera
This research provides a new theoretical approach to innovation. Innovation relies on collaborative relationships between universities, private companies and public administration. This theoretical approach offers an opportunity for scientific discovery in an environment of collaboration. Innovative ideas are not self-contained items; they are more like ecosystems and networks. The article also provides data processed in recent years (2003-2009) for the European Union states, providing relevant empirical evidence on the relationship between human capital, relational capital, technological capital and innovation. In the econometric and statistical modelling, the countries of the Europe of the Fifteen (EU-15) will be considered.
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