The harmonisation game



Life & Pensions

How do you reconcile your dual responsibilities as a supervisor of insurance companies and pension funds, and as a regulator within the finance ministry, and are you under pressure to change?

Ricardo Lozano

It's true that we are a regulator and a supervisor at the same time. Perhaps Spain is now out of fashion with respect to this situation. Aside from Spain, most supervisors in Europe and the rest of the world are independent of finance ministries. The standards proposed by the

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