The aim of this paper is to analyze the process of integration and competition in European financial markets. We explore the obstacles or barriers which hinder this process, as well as the main drivers and initiatives which have been implemented to move financial integration forward. According...

This study analyses the time, sectorial and spatial pattern of the process of accumulation of human capital in Spain during the period 1964-98. The results show the generalized nature of the improvements as the basic feature. The increase that has taken place in each sector proves much more...