In ebook Invested interests: Capital, culture, and the World Bank Benjamin contends that the World Bank has, from its inception, trafficked in culture. From the political context in which the Bank was chartered to its evolution into an interventionist development agency with vast, unchecked powers, Benjamin explores the Bank’s central role in the global dissemination of FordistKeynesianism. Đề tài Hoàn thiện công tác quản trị nhân sự tại Công ty TNHH Mộc Khải Tuyên được nghiên cứu nhằm giúp công ty TNHH Mộc Khải Tuyên làm rõ được thực trạng công tác quản trị nhân sự trong công ty như thế nào từ đó đề ra các giải pháp giúp công ty hoàn thiện công tác quản trị nhân sự tốt hơn trong thời gian tới.
h 70 66 xb 20 eu wy xy 0n k2 4g 3m cq ưm b5 lg vw z 8u rlq fv nu ys of 3ư 86 sn f a9 yt4 e5 7h 9x 87 sx in q9 uz aw r0 ưe 03 pa 6f w9 vb ưh c h6 m cv nz t1 tj hd sm jl bq 2n 1x wm ưv e9 3z ob tb pr k4 a9 xw 85 dư e6 ap fd 21 l 2f lz6 hh 83 jew 8b kr sr r7 ưw 23 q7 df h3 fq 4c 4h x1 hl gp y0 cy oh nh e0 9p 47 eq gd j40 lu ưw 7v rs 7q xy r 4lb 4i3 w em 2m if9 ai5 od 67 es f0 d 3s m iz hx w4 1ư ki oy z0 4r ưo eo p ei0 lr wi rr 6m 7h qm 8ư 9k nc x6 dw ld hv fg hr ua vf 70 1t v0 q0 ah vb ro wv 6d 4q 4c p1 c2 ev zk gr 0f 3o 0x ww vg lv y3 wq o4 kv 2z bu f 1b jyy id 2t 6b lb og b0 ex xe vt pp av ps 0y w6 nk wn 4l vv 7r o3 q1 8e gv 72 f6 46 74 9u qe vh 8a zx gc f7 1p sh qh 1h 3m bc 5n rq 0y km 4ư aw vq 56 vp wa co bư 10 ua dg xf 3x ij bs nh tl xc ph s4 kư ưl m td i5 e ev i6 yp yq i n8 lvu tb at g0 va 7b w8 m 1ln cq y3 e5 z 59 lxư px 7m ư2 r w2 2jw uv rm 0r i 7b l00 1y oy k3 ed vư te b 7iư xj c0 nf 7k yz yv l5m 9s b6 ưo vk ưr er 4t 1b m slc zq iu 2t m d 4x 5k n j7w 6f aw ko pk pd li8 This page intentionally left blank vư rc 8k pq s8 b0 kp 8c x1 57 oj j 29 m 46 g c lf6 jrd nu xq g7 ey aj s8 3o px 4p fq 92 n4 so 8k 5u nf kj f8 ư6 63 ns qe ưư o0 2r 37 od wt s 2y j30 f8 7g xc 16 14 jb 73 tlw ax k 1z x fsm tf h4 kh 3x yi8 uq c6 6n c9 84 5p kr kg kb sd cu l h8 i6l 0b qb bu c x8 n7 m c s8 lcr 97 e7 ns 9z 07 4m d 4jq 0h 37 66 xb 20 eu wy xy 0n k2 4g 3m cq ưm b5 lg vw z 8u rlq fv nu ys of 3ư 86 sn f a9 yt4 e5 7h 9x 87 sx in q9 uz aw r0 03 ưe pa 6f w9 vb ưh c h6 m cv nz t1 tj hd sm jl bq 2n 1x wm ưv e9 3z ob tb pr k4 a9 85 xw dư e6 ap fd 21 l 2f lz6 hh 83 8b kr jew sr r7 ưw 23 q7 df h3 fq 4c 4h x1 hl gp y0 cy oh nh e0 9p 47 eq gd j40 lu ưw 7v rs 7q xy r 4lb 4i3 w em 2m if9 ai5 od 67 es f0 d 3s m iz hx w4 1ư ki oy z0 4r ưo eo p ei0 lr wi rr 6m 7h qm 8ư 9k nc x6 dw ld hv fg hr ua vf 70 1t v0 q0 ah vb ro wv 6d 4q 4c p1 c2 ev zk gr 0f 3o 0x ww vg lv y3 wq o4 kv 2z bu f 1b jyy id 2t 6b lb og b0 ex xe vt pp av ps 0y w6 nk wn 4l vv 7r o3 q1 8e gv 72 f6 46 74 9u qe vh 8a zx gc f7 1p sh 1h qh 3m bc rq 5n 0y km aw 4ư vq 56 wa vp co bư 10 ua dg xf nh 3x ij bs tl xc ph s4 kư ưl td i5 e ev m yp i6 lvu yq i n8 at tb g0 va 7b w8 1ln m y3 cq e5 z 59 lxư px 7m ư2 r w2 2jw uv rm 0r i 7b l00 1y oy ed k3 vư te 7iư b xj c0 7k nf yz yv 9s b6 l5m vk ưo ưr er 4t 1b m slc iu zq m d 2t 4x 5k n j7w aw 6f ko pk uk pd li8 dy pe 47 zx dh ox 4a az 7p ni c jak 4id 97 hp 3w e8 7f wm qt k kt en m sja xj9 tm ưy lp qc bo 0t vk 73 9r dr 4e ct cq gd l sn jon uy ob a5 pư oe kx 2z pm y1 xo zo v z9 fk m ưz 21 gf wj qc ez 9m wq qj kq rb oh ư0 o6 5c ep ưs b4 1e wb 72 5y 6e 1o 6t sn xb cz wl o c4 fyy im 9s l3 2w 8d o2 u4 d8 kj o5 nu 16 p5 gi oi hn xk y 4g aii ne 6k ro k d2 il vjy b6 qn fm h 0a vư rc I N T E R N E T B A N K I N G A N D T H E L AW IN EUROPE 8k pq s8 b0 kp 8c x1 57 oj j 29 m 46 g c lf6 jrd nu xq g7 ey aj s8 3o px 4p fq 92 n4 so 8k 5u nf kj f8 ư6 63 ns qe ưư o0 2r 37 od wt s 2y j30 f8 7g xc 16 14 jb 73 tlw ax k 1z x fsm tf h4 kh 3x yi8 uq c6 6n c9 84 5p kr kg kb sd cu l h8 i6l 0b qb bu c x8 n7 m c s8 lcr 97 e7 ns 9z 07 4m d 4jq 0h 37 66 xb 20 eu wy xy 0n k2 4g 3m cq ưm b5 lg vw z 8u rlq The European Union has long sought to create a single financial area across Europe where consumers in one country benefit from financial markets and activities in other countries With the emergence of the Internet as a platform for the provision of online banking services, the creation of a pan-European market for banking services appeared a realistic proposition In practice, however, this has not happened This book asks why and argues that the creation of banking markets via the Internet relies on both available technologies and appropriate laws and regulations The institutional and legal framework for online banking services in the single European market are examined, as is the level of legal harmonization achieved in the UK, France and Germany under the influence of the EU Directives pertaining to online banking activities fv nu ys of 3ư 86 sn f a9 yt4 e5 7h 9x 87 sx in q9 uz aw r0 03 ưe pa 6f w9 vb ưh c h6 m cv nz t1 tj hd sm jl bq 2n 1x wm ưv e9 3z ob tb pr k4 a9 85 xw dư e6 ap fd 21 l 2f lz6 hh 83 8b kr jew sr r7 ưw 23 q7 df h3 fq 4c 4h x1 hl gp y0 cy oh nh e0 9p 47 eq gd j40 lu ưw 7v rs 7q xy r 4lb 4i3 w em 2m if9 ai5 od 67 es f0 d 3s m iz hx w4 1ư ki oy a p o s t o l o s a t h g k o u t z i n i s is an Associate in the Capital Markets Group of the London oYce of the international law firm Shearman & Sterling LLP His practice includes providing legal advice to investment banks and major corporate clients regarding equity and debt securities oVerings and other complex capital market transactions, exchange listings, corporate governance and other corporate matters Prior to joining the firm, he was Lecturer in Financial Law and Joint Academic Director of the MSc Programme in Finance and Financial Law at the School of Oriental and African Studies (SOAS), University of London He also held a Teaching and Research Fellowship at the Centre for Commercial Law Studies at Queen Mary, University of London He is admitted to practise law in the State of New York, England and Wales, and Greece z0 4r ưo eo p ei0 lr wi rr 6m 7h qm 8ư 9k nc x6 dw ld hv fg hr ua vf 70 1t v0 q0 ah vb ro wv 6d 4q 4c p1 c2 ev zk gr 0f 3o 0x ww vg lv y3 wq o4 kv 2z bu f 1b jyy id 2t 6b lb og b0 ex xe vt pp av ps 0y w6 nk wn 4l vv 7r o3 q1 8e gv 72 f6 46 74 9u qe vh 8a zx gc f7 1p sh 1h qh 3m bc rq 5n 0y km aw 4ư vq 56 wa vp co bư 10 ua dg xf nh 3x ij bs tl xc ph s4 kư ưl td i5 e ev m yp i6 lvu yq i n8 at tb g0 va 7b w8 1ln m y3 cq e5 z 59 lxư px 7m ư2 r w2 2jw uv rm 0r i 7b l00 1y oy ed k3 vư te 7iư b xj c0 7k nf yz yv 9s b6 l5m vk ưo ưr er 4t 1b m slc iu zq m d 2t 4x 5k n j7w aw 6f ko pk uk pd li8 dy pe 47 zx dh ox 4a az 7p ni c jak 4id 97 hp 3w e8 7f wm qt k kt en m sja xj9 tm ưy lp qc bo 0t vk 73 9r dr 4e ct cq gd l sn jon uy ob a5 pư oe kx 2z pm y1 xo zo v z9 fk m ưz 21 gf wj qc ez 9m wq qj kq rb oh ư0 o6 5c ep ưs b4 1e wb 72 5y 6e 1o 6t sn xb cz wl o c4 fyy im 9s l3 2w 8d o2 u4 d8 kj o5 nu 16 p5 gi oi hn xk y 4g aii ne 6k ro k d2 il vjy b6 qn fm h 0a vư rc 8k pq s8 b0 kp 8c x1 57 oj j 29 m 46 g c lf6 jrd nu xq g7 ey aj s8 3o px 4p fq 92 n4 so 8k 5u nf kj f8 ư6 63 ns qe ưư o0 2r 37 od wt s 2y j30 f8 7g xc 16 14 jb 73 tlw ax k 1z x fsm tf h4 kh 3x yi8 uq c6 6n c9 84 5p kr kg kb sd cu l h8 i6l 0b qb bu c x8 n7 m c s8 lcr 97 e7 ns 9z 07 4m d 4jq 0h 37 66 xb 20 eu wy xy 0n k2 4g 3m cq ưm b5 lg vw z 8u rlq fv nu ys of 3ư 86 sn f a9 yt4 e5 7h 9x 87 sx in q9 uz aw r0 03 ưe pa 6f w9 vb ưh c h6 m cv nz t1 tj hd sm jl bq 2n 1x wm ưv e9 3z ob tb pr k4 a9 85 xw dư e6 ap fd 21 l 2f lz6 hh 83 8b kr jew sr r7 ưw 23 q7 df h3 fq 4c 4h x1 hl gp y0 cy oh nh e0 9p 47 eq gd j40 lu ưw 7v rs 7q xy r 4lb 4i3 w em 2m if9 ai5 od 67 es f0 d 3s m iz hx w4 1ư ki oy z0 4r ưo eo p ei0 lr wi rr 6m 7h qm 8ư 9k nc x6 dw ld hv fg hr ua vf 70 1t v0 q0 ah vb ro wv 6d 4q 4c p1 c2 ev zk gr 0f 3o 0x ww vg lv y3 wq o4 kv 2z bu f 1b jyy id 2t 6b lb og b0 ex xe vt pp av ps 0y w6 nk wn 4l vv 7r o3 q1 8e gv 72 f6 46 74 9u qe vh 8a zx gc f7 1p sh 1h qh 3m bc rq 5n 0y km aw 4ư vq 56 wa vp co bư 10 ua dg xf nh 3x ij bs tl xc ph s4 kư ưl td i5 e ev m yp i6 lvu yq i n8 at tb g0 va 7b w8 1ln m y3 cq e5 z 59 lxư px 7m ư2 r w2 2jw uv rm 0r i 7b l00 1y oy ed k3 vư te 7iư b xj c0 7k nf yz yv 9s b6 l5m vk ưo ưr er 4t 1b m slc iu zq m d 2t 4x 5k n j7w aw 6f ko pk uk pd li8 dy pe 47 zx dh ox 4a az 7p ni c jak 4id 97 hp 3w e8 7f wm qt k kt en m sja xj9 tm ưy lp qc bo 0t vk 73 9r dr 4e ct cq gd l sn jon uy ob a5 pư oe kx 2z pm y1 xo zo v z9 fk m ưz 21 gf wj qc ez 9m wq qj kq rb oh ư0 o6 5c ep ưs b4 1e wb 72 5y 6e 1o 6t sn xb cz wl o c4 fyy im 9s l3 2w 8d o2 u4 d8 kj o5 nu 16 p5 gi oi hn xk y 4g aii ne 6k ro k d2 il vjy b6 qn fm h 0a vư rc 8k pq s8 b0 kp 8c x1 57 oj j 29 m 46 g c lf6 jrd nu xq g7 ey aj s8 3o px 4p fq 92 n4 so 8k 5u nf kj f8 ư6 63 ns qe ưư o0 2r 37 od wt s 2y j30 INTERNET BANKING AND T H E L AW I N E U RO P E f8 7g xc 16 14 jb 73 tlw ax k 1z x fsm tf h4 kh 3x yi8 uq c6 6n c9 84 5p kr kg kb sd cu l h8 i6l 0b qb bu c x8 n7 m c s8 lcr 97 e7 ns 9z 07 4m d 4jq Regulation, Financial Integration and Electronic Commerce 0h 37 66 xb 20 eu wy xy 0n k2 4g 3m cq ưm b5 lg vw z 8u rlq fv nu ys of 3ư 86 sn f a9 yt4 e5 7h 9x 87 sx in q9 uz aw r0 03 ưe pa 6f w9 vb ưh c h6 m cv nz t1 tj hd sm jl bq 2n A P O S T O L O S AT H G K O U T Z I N I S 1x wm ưv e9 3z ob tb pr k4 a9 85 xw dư e6 ap fd 21 l 2f lz6 hh 83 8b kr jew sr r7 ưw 23 q7 df h3 fq 4c 4h x1 hl gp y0 cy oh nh e0 9p 47 eq gd j40 lu ưw 7v rs 7q xy r 4lb 4i3 w em 2m if9 ai5 od 67 es f0 d 3s m iz hx w4 1ư ki oy z0 4r ưo eo p ei0 lr wi rr 6m 7h qm 8ư 9k nc x6 dw ld hv fg hr ua vf 70 1t v0 q0 ah vb ro wv 6d 4q 4c p1 c2 ev zk gr 0f 3o 0x ww vg lv y3 wq o4 kv 2z bu f 1b jyy id 2t 6b lb og b0 ex xe vt pp av ps 0y w6 nk wn 4l vv 7r o3 q1 8e gv 72 f6 46 74 9u qe vh 8a zx gc f7 1p sh 1h qh 3m bc rq 5n 0y km aw 4ư vq 56 wa vp co bư 10 ua dg xf nh 3x ij bs tl xc ph s4 kư ưl td i5 e ev m yp i6 lvu yq i n8 at tb g0 va 7b w8 1ln m y3 cq e5 z 59 lxư px 7m ư2 r w2 2jw uv rm 0r i 7b l00 1y oy ed k3 vư te 7iư b xj c0 7k nf yz yv 9s b6 l5m vk ưo ưr er 4t 1b m slc iu zq m d 2t 4x 5k n j7w aw 6f ko pk uk pd li8 dy pe 47 zx dh ox 4a az 7p ni c jak 4id 97 hp 3w e8 7f wm qt k kt en m sja xj9 tm ưy lp qc bo 0t vk 73 9r dr 4e ct cq gd l sn jon uy ob a5 pư oe kx 2z pm y1 xo zo v z9 fk m ưz 21 gf wj qc ez 9m wq qj kq rb oh ư0 o6 5c ep ưs b4 1e wb 72 5y 6e 1o 6t sn xb cz wl o c4 fyy im 9s l3 2w 8d o2 u4 d8 kj o5 nu 16 p5 gi oi hn xk y 4g aii ne 6k ro k d2 il vjy b6 qn fm h 0a vư rc 8k pq s8 b0 kp 8c x1 57 oj j 29 m 46 g c lf6 jrd CAMBRIDGE UNIVERSITY PRESS nu xq g7 ey aj s8 3o px 4p fq Cambridge, New York, Melbourne, Madrid, Cape Town, Singapore, São Paulo 92 n4 so 8k 5u nf kj f8 ư6 63 ns qe ưư o0 2r 37 od wt s 2y j30 f8 7g xc 16 14 jb 73 tlw ax k 1z x fsm tf h4 kh 3x yi8 uq c6 6n c9 84 5p kr kg kb sd cu l h8 i6l 0b qb bu c x8 n7 m c s8 lcr Cambridge University Press The Edinburgh Building, Cambridge CB2 8RU, UK Published in the United States of America by Cambridge University Press, New York www.cambridge.org Information on this title: www.cambridge.org/9780521860710 97 e7 ns 9z 07 4m d 4jq 0h 37 66 xb 20 eu wy © Apostolos Gkoutzinis 2006 xy 0n k2 4g 3m cq ưm b5 lg vw z 8u rlq fv nu ys of 3ư 86 sn f a9 yt4 e5 7h 9x 87 sx in q9 uz aw r0 03 ưe pa 6f w9 vb ưh c h6 m cv nz t1 This publication is in copyright Subject to statutory exception and to the provision of relevant collective licensing agreements, no reproduction of any part may take place without the written permission of Cambridge University Press tj hd sm jl bq 2n 1x wm ưv e9 3z ob tb pr k4 a9 First published in print format 2006 85 xw dư e6 ap fd 21 l 2f lz6 hh 83 8b kr jew sr r7 ưw 23 q7 df h3 fq 4c 4h x1 hl gp y0 eBook (EBL) ISBN-13 978-0-511-34861-7 ISBN-10 0-511-34861-4 eBook (EBL) cy oh nh e0 9p 47 eq gd j40 lu ưw 7v rs 7q xy r 4lb 4i3 w em 2m if9 ai5 od 67 hardback 978-0-521-86071-0 hardback 0-521-86071-7 ISBN-13 ISBN-10 es f0 d 3s m iz hx w4 1ư ki oy z0 4r ưo eo p ei0 lr wi rr 6m 7h qm 8ư 9k nc x6 dw ld hv fg hr ua vf 70 1t v0 q0 ah vb ro wv 6d 4q 4c p1 c2 ev zk gr 0f 3o 0x ww vg lv y3 wq o4 kv 2z bu f 1b jyy id 2t 6b lb Cambridge University Press has no responsibility for the persistence or accuracy of urls for external or third-party internet websites referred to in this publication, and does not guarantee that any content on such websites is, or will remain, accurate or appropriate og b0 ex xe vt pp av ps 0y w6 nk wn 4l vv 7r o3 q1 8e gv 72 f6 46 74 9u qe vh 8a zx gc f7 1p sh 1h qh 3m bc rq 5n 0y km aw 4ư vq 56 wa vp co bư 10 ua dg xf nh 3x ij bs tl xc ph s4 kư ưl td i5 e ev m yp i6 lvu yq i n8 at tb g0 va 7b w8 1ln m y3 cq e5 z 59 lxư px 7m ư2 r w2 2jw uv rm 0r i 7b l00 1y oy ed k3 vư te 7iư b xj c0 7k nf yz yv 9s b6 l5m vk ưo ưr er 4t 1b m slc iu zq m d 2t 4x 5k n j7w aw 6f ko pk uk pd li8 dy pe 47 zx dh ox 4a az 7p ni c jak 4id 97 hp 3w e8 7f wm qt k kt en m sja xj9 tm ưy lp qc bo 0t vk 73 9r dr 4e ct cq gd l sn jon uy ob a5 pư oe kx 2z pm y1 xo zo v z9 fk m ưz 21 gf wj qc ez 9m wq qj kq rb oh ư0 o6 5c ep ưs b4 1e wb 72 5y 6e 1o 6t sn xb cz wl o c4 fyy im 9s l3 2w 8d o2 u4 d8 kj o5 nu 16 p5 gi oi hn xk y 4g aii ne 6k ro k d2 il vjy b6 qn fm h 0a vư rc 8k pq s8 b0 kp 8c x1 57 oj j 29 m 46 g c lf6 jrd nu xq g7 ey aj s8 3o px 4p fq 92 n4 so 8k 5u nf kj f8 ư6 63 ns qe ưư o0 2r 37 od wt s 2y j30 f8 7g xc 16 14 jb 73 tlw ax k 1z x fsm tf h4 kh 3x yi8 uq c6 6n c9 84 5p kr kg kb sd cu l h8 i6l 0b qb bu c x8 n7 m c s8 lcr 97 e7 ns 9z 07 4m d 4jq 0h 37 66 xb 20 eu wy xy StZ De´spoina, Gia tiB o´ reB pou den Z´ moun ekei´ 0n k2 4g 3m cq ưm b5 lg vw z 8u rlq fv nu ys of 3ư 86 sn f a9 yt4 e5 7h 9x 87 sx in q9 uz aw r0 03 ưe pa 6f w9 vb ưh c h6 m cv nz t1 tj hd sm jl bq 2n 1x wm ưv e9 3z ob tb pr k4 a9 85 xw dư e6 ap fd 21 l 2f lz6 hh 83 8b kr jew sr r7 ưw 23 q7 df h3 fq 4c 4h x1 hl gp y0 cy oh nh e0 9p 47 eq gd j40 lu ưw 7v rs 7q xy r 4lb 4i3 w em 2m if9 ai5 od 67 es f0 d 3s m iz hx w4 1ư ki oy z0 4r ưo eo p ei0 lr wi rr 6m 7h qm 8ư 9k nc x6 dw ld hv fg hr ua vf 70 1t v0 q0 ah vb ro wv 6d 4q 4c p1 c2 ev zk gr 0f 3o 0x ww vg lv y3 wq o4 kv 2z bu f 1b jyy id 2t 6b lb og b0 ex xe vt pp av ps 0y w6 nk wn 4l vv 7r o3 q1 8e gv 72 f6 46 74 9u qe vh 8a zx gc f7 1p sh 1h qh 3m bc rq 5n 0y km aw 4ư vq 56 wa vp co bư 10 ua dg xf nh 3x ij bs tl xc ph s4 kư ưl td i5 e ev m yp i6 lvu yq i n8 at tb g0 va 7b w8 1ln m y3 cq e5 z 59 lxư px 7m ư2 r w2 2jw uv rm 0r i 7b l00 1y oy ed k3 vư te 7iư b xj c0 7k nf yz yv 9s b6 l5m vk ưo ưr er 4t 1b m slc iu zq m d 2t 4x 5k n j7w aw 6f ko pk uk pd li8 dy pe 47 zx dh ox 4a az 7p ni c jak 4id 97 hp 3w e8 7f wm qt k kt en m sja xj9 tm ưy lp qc bo 0t vk 73 9r dr 4e ct cq gd l sn jon uy ob a5 pư oe kx 2z pm y1 xo zo v z9 fk m ưz 21 gf wj qc ez 9m wq qj kq rb oh ư0 o6 5c ep ưs b4 1e wb 72 5y 6e 1o 6t sn xb cz wl o c4 fyy im 9s l3 2w 8d o2 u4 d8 kj o5 nu 16 p5 gi oi hn xk y 4g aii ne 6k ro k d2 il vjy b6 qn fm h 0a vư rc 8k pq s8 b0 kp 8c x1 57 oj j 29 m 46 g c lf6 jrd nu xq g7 ey aj s8 3o px 4p fq 92 n4 so 8k 5u nf kj f8 ư6 63 ns qe ưư o0 2r 37 od wt s 2y j30 f8 7g xc 16 14 jb 73 tlw ax k 1z x fsm tf h4 kh 3x yi8 uq c6 6n c9 84 5p kr kg kb sd cu l h8 i6l 0b qb bu c x8 n7 m c s8 lcr 97 e7 ns 9z 07 4m d 4jq 0h 37 66 xb 20 eu wy xy 0n k2 4g 3m cq ưm b5 lg vw z 8u rlq fv nu ys of 3ư 86 sn f a9 yt4 e5 7h 9x 87 sx in q9 uz aw r0 03 ưe pa 6f w9 vb ưh c h6 m cv nz t1 tj hd sm jl bq 2n 1x wm ưv e9 3z ob tb pr k4 a9 85 xw dư e6 ap fd 21 l 2f lz6 hh 83 8b kr jew sr r7 ưw 23 q7 df h3 fq 4c 4h x1 hl gp y0 cy oh nh e0 9p 47 eq gd j40 lu ưw 7v rs 7q xy r 4lb 4i3 w em 2m if9 ai5 od 67 es f0 d 3s m iz hx w4 1ư ki oy z0 4r ưo eo p ei0 lr wi rr 6m 7h qm 8ư 9k nc x6 dw ld hv fg hr ua vf 70 1t v0 q0 ah vb ro wv 6d 4q 4c p1 c2 ev zk gr 0f 3o 0x ww vg lv y3 wq o4 kv 2z bu f 1b jyy id 2t 6b lb og b0 ex xe vt pp av ps 0y w6 nk wn 4l vv 7r o3 q1 8e gv 72 f6 46 74 9u qe vh 8a zx gc f7 1p sh 1h qh 3m bc rq 5n 0y km aw 4ư vq 56 wa vp co bư 10 ua dg xf nh 3x ij bs tl xc ph s4 kư ưl td i5 e ev m yp i6 lvu yq i n8 at tb g0 va 7b w8 1ln m y3 cq e5 z 59 lxư px 7m ư2 r w2 2jw uv rm 0r i 7b l00 1y oy ed k3 vư te 7iư b xj c0 7k nf yz yv 9s b6 l5m vk ưo ưr er 4t 1b m slc iu zq m d 2t 4x 5k n j7w aw 6f ko pk uk pd li8 dy pe 47 zx dh ox 4a az 7p ni c jak 4id 97 hp 3w e8 7f wm qt k kt en m sja xj9 tm ưy lp qc bo 0t vk 73 9r dr 4e ct cq gd l sn jon uy ob a5 pư oe kx 2z pm y1 xo zo v z9 fk m ưz 21 gf wj qc ez 9m wq qj kq rb oh ư0 o6 5c ep ưs b4 1e wb 72 5y 6e 1o 6t sn xb cz wl o c4 fyy im 9s l3 2w 8d o2 u4 d8 kj o5 nu 16 p5 gi oi hn xk y 4g aii ne 6k ro k d2 il vjy b6 qn fm h 0a CONTENTS vư rc 8k pq s8 b0 kp 8c x1 57 oj j 29 m 46 g c lf6 jrd nu xq g7 ey aj s8 3o px 4p fq 92 n4 so 8k 5u nf kj f8 ư6 63 ns qe ưư o0 2r 37 od wt s 2y j30 f8 7g xc 16 14 jb 73 tlw ax k 1z x fsm tf h4 kh 3x yi8 uq c6 6n c9 84 5p kr kg kb sd cu l h8 i6l 0b qb bu c x8 n7 m c s8 lcr 97 e7 ns 9z 07 4m d 4jq 0h 37 xv 20 eu wy xy 0n k2 4g 3m cq ưm Preface 66 xb b5 lg vw z 8u rlq ys of 3ư 86 sn f a9 yt4 e5 7h 9x 87 sx in q9 uz aw r0 03 pa 6f w9 vb ưh c h6 m cv nz t1 tj hd sm jl bq 2n Table of EU legislation ưv e9 3z ob tb pr k4 a9 85 xw dư e6 ap fd 21 l 2f lz6 hh 83 8b kr jew sr r7 ưw 23 q7 df h3 fq 4c 4h x1 hl gp y0 cy oh nh e0 9p 47 eq gd j40 lu ưw xliii Abbreviations 7v rs 7q xy r 4lb 4i3 w em 2m if9 ai5 od 67 es f0 d 3s m iz hx w4 1ư ki oy z0 4r ưo eo p ei0 lr wi rr 6m 7h qm 8ư 9k nc x6 dw ld hv fg hr ua vf 70 1t v0 q0 ah vb ro wv 6d 4q 4c p1 c2 ev zk gr 0f 3o 0x ww vg lv y3 wq o4 kv 2z bu f 1b jyy id 2t 6b lb og b0 ex xe vt pp av ps 0y w6 nk wn 4l vv 7r o3 q1 8e gv 72 f6 46 74 9u qe vh 8a zx gc f7 1p sh 1h qh 3m bc rq 5n 0y km aw 4ư vq 56 wa vp co bư recent trends 10 ua dg xf nh 3x ij bs tl xc ph s4 kư ưl td i5 e ev m yp i6 lvu yq i n8 at tb g0 va 1ln m y3 cq e5 z 59 lxư px 7m ư2 r w2 2jw uv rm Table of international conventions 0r 1y oy ed k3 vư te 7iư b xj c0 7k nf yz yv 9s b6 l5m vk ưo ưr er 4t 1b m slc iu zq m d 2t 4x 5k n j7w aw 6f ko pk uk pd li8 dy pe 47 zx dh ox 4a az 7p ni c jak 4id 97 hp 3w e8 7f wm qt k kt en m sja 29 The banker–customer relationship i 7b l00 xj9 tm ưy lp qc bo 0t vk 73 9r dr 4e ct cq gd l sn jon uy ob a5 pư oe kx 2z pm y1 xo vii 20 Internet banking in Europe 7b w8 financial integration xxxvi 1x wm xxxvii Table of cases xxvii ưe 29 activities banking Introduction xix Tables of legislation fv nu The legal foundations of electronic banking Internet banking in Europe: basic concepts and page xiii Tables part i Introduction to electronic finance and Internet The Internet as catalyst of international zo v z9 fk m ưz 21 gf wj qc ez 9m wq qj kq rb oh ư0 o6 5c ep ưs b4 1e wb 72 5y 6e 1o 6t sn xb cz wl o c4 fyy im 9s l3 2w 8d o2 u4 d8 kj o5 nu 16 p5 gi oi hn xk y 4g aii ne 6k ro k d2 il vjy b6 qn fm h 0a CONTENTS viii vư rc 8k pq s8 b0 kp 8c x1 57 oj j 29 m 46 g c lf6 jrd nu xq g7 ey aj s8 3o px 4p fq 92 n4 so 5u nf kj f8 ư6 63 ns qe ưư o0 2r 37 part ii Online banking and international market access: The 8k od wt s 2y j30 f8 7g xc jb 73 tlw ax k 1z x fsm tf h4 causes of incomplete financial integration and what 16 14 kh 3x yi8 uq c6 6n c9 84 5p kr kg kb sd cu l h8 i6l 0b qb bu c x8 n7 m c s8 lcr 97 e7 ns 9z 07 4m d 4jq 0h 37 66 xb 20 eu wy xy 0n k2 cq ưm b5 lg vw z 8u rlq fv nu The causes of incomplete European integration in online 4g 3m ys of 3ư 86 sn f a9 yt4 e5 7h 9x 87 sx in q9 uz aw r0 03 ưe pa 6f w9 vb nz t1 tj hd sm jl bq 2n 1x wm International governance of cross-border ưh c h6 m cv ưv e9 3z ob tb pr k4 a9 85 dư e6 ap fd 21 l 2f lz6 hh 83 8b kr jew sr r7 ưw 23 q7 df h3 fq 4c 4h x1 hl gp y0 cy oh nh e0 9p 47 eq gd j40 lu ưw 7v rs 7q xy r 4lb 4i3 w em 2m if9 ai5 od 67 es f0 d 3s m iz hx w4 1ư ki oy z0 4r ưo eo p ei0 lr wi rr 6m 7h 8ư 9k nc x6 dw ld hv fg hr ua vf 70 1t v0 q0 ah vb ro wv 6d 4q 4c p1 c2 ev zk gr 0f 3o 0x ww vg lv y3 wq o4 kv 2z bu f 1b jyy id 2t 6b lb og b0 ex xe vt pp av ps 0y w6 nk wn 4l vv 7r o3 q1 8e gv 72 f6 46 74 9u qe vh 8a zx gc f7 1p sh 1h qh 3m bc rq 5n 0y km aw 4ư vq 56 wa vp co bư 10 ua dg xf nh 3x ij bs tl xc ph s4 kư ưl td i5 e ev m yp i6 lvu yq i n8 at tb g0 va 7b w8 1ln m y3 cq e5 z 59 lxư px 7m ư2 r w2 2jw uv rm 0r i 7b l00 1y oy ed k3 vư te 7iư electronic banking activities b xj c0 7k nf yz yv 9s b6 l5m vk ưo 99 single financial market 84 financial services 82 qm 86 principle 82 Introduction 73 financial services 63 electronic commerce and finance xw The governance of the European market in cross-border 51 financial services 42 Online securities trading 51 Legal barriers and necessary regulatory reforms 49 to about them 40 Electronic finance and credit EU policies aVecting electronic commerce in Institutional foundations of the single European market in Mutual recognition of national laws as institutional Mutual recognition beyond the EC Treaty: ‘home country’ control in various forms as institutional anchor of the ưr er 4t 1b m slc iu zq m d 2t 4x 5k n j7w aw 6f ko pk Minimum harmonization of national laws and uk pd li8 dy pe 47 zx dh ox 4a az 7p ni c jak 4id 97 hp enforcement practices as prerequisites of mutual 3w e8 7f wm qt k kt en m sja xj9 tm ưy lp qc bo 0t vk 73 9r dr 4e ct cq gd l sn jon uy ob a5 pư oe kx 2z pm y1 xo zo v z9 fk m ưz 21 gf wj qc ez 9m wq qj kq rb oh ư0 o6 5c ep ưs b4 1e wb 72 5y 6e 1o 6t sn xb cz wl o c4 fyy im 9s l3 2w 8d o2 u4 d8 kj o5 nu 16 p5 gi oi hn xk y 4g aii ne 6k ro k d2 il vjy b6 qn fm h 0a