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Regulating remuneration systems: effective distribution of financial products

Oxera was commissioned by the German Insurance Association, GDV, to examine the economics of remuneration systems for financial distribution and to examine the experience of countries where specific regulations have been introduced. Oxera’s study finds that regulation of these payment systems needs to take account of specific market conditions, and to be designed to address particular issues of concern and deliver good outcomes. Wide-ranging blanket controls are unlikely to be effective, as different regulations are required for different issues. 

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