The European Commission, DG V, has published an invitation to tender for the completion of a study describing and analysing structural changes in the financial sector, their impact at the human resource level, and the trade-union response to these changes in the past and present. The financial services have not escaped the economic and social transformations which are affecting most sectors of activity in the European Union. Indeed, the financial sector is at the very heart of current changes which continue to gather speed. Three main factors have brought about these changes: - Globalization of markets and services; - Deregulation of national financial structures; - Increasing tendency towards disintermediation which has modified the role of banks. Furthermore, new financial products have appeared in recent years, thanks to ever more sophisticated information technologies. The financial services environment has also been modified as a result of factors such as disinflation, competition, etc. None of these factors may be considered in isolation in so far as their convergence is at the base of the changes the sector is experiencing. The impact of these factors has not produced the same effects in all Member States. All bank, insurance and other financial services are, however, undergoing considerable changes whose effects will be felt in their human resource management policies. The structural changes affecting the sector have greatly modified, both quantitatively and qualitatively, the working environment of the men and women who work therein: jobs in financial services are changing, new jobs are appearing, recruitment and training policies are developing. The present study will comprise two parts. The first part involves identifying and analysing the changes in the working environment of what can globally be called "industry and financial services". This will include: - The structural changes affecting financial services in the following fields: . Deregulation policies; . Information and communication technologies; . Globalization and internationalization; . Mergers and takeovers; . Cultural changes (in the sense of "company culture") in banking and finance; . Proposed market and financial products; - The impact of the structural changes on employment: . Employment (quantitative and qualitative aspects) data available according to sex; . Restructuring of the work and workstations; . Flexibility; . Training and job prospects; . New strategies regarding human resources in the financial services; . Criteria determining whether the job is occupied by a woman or a man. This list is not exhaustive. It is for the selected tenderer to propose, within the context of his methodology, other factors which he deems relevant, if necessary. The second part of the study will involve analysing, in detail, negotiations conducted in response to the structural changes identified in the first part, both in terms of salary and working conditions. It is advisable to examine, in this context, the possible specific contribution of women to these structural changes. The tender documents must be requested in writing from: European Commission DG V - Employment, Industrial Relations and Social Affairs Mr. Claude Gaspart Unit V/B/5 - Adaptation to industrial change 200 rue de la Loi (J27 3/105) B-1049 Brussels Tel. +32-2-2966177; Fax +32-2-2969771 Tenders should be sent to the same address.