13. To increase the intensity of surveillance and severity of corrective actions, including penalties and restrictions against banking and non-banking financial institutions, especially for managers within those institutions, in case of breach of laws and regulations. 14. To institutionally strengthen the insurance sector and consumer protection in insurance by creating the National guarantee fund in the insurance field. 15. To attract subsidiaries and branches of well-known financial companies to Moldova. 16. To implement the best international practices in the field of money laundering and fight against financing of terrorism and establish operational partnerships with EU institutions and other countries. 17. To modernise the capital market infrastructure and enhance the access to investments in corporate and state securities. 18. To consider the possibility of implementing the mechanism for continuous trading on the regulated capital market. 19. To provide real-time access to stock quotes related to securities traded on regulated capital market. 20. To improve the legal framework in order to stimulate transactions in securities, including transactions with state securities. 21. To strengthen the legal and institutional framework of the National Bank of Moldova and the National Commission of Financial Market in order to implement surveillance activities in the field. 22. To strengthen the independence and operational duties of the National Bank of Moldova and the National Commission of Financial Market in its decisions making. 23. To provide necessary support for developing codes of corporate conduct for various financial market segments. 24. To develop the non-banking system and expand the financing instruments for SMEs. 25. To promote policy instruments for circulating cash money reduction. D. Tax policies and tax and customs efficient management 1. To streamline, systematise and harmonize tax and customs legislation through the development and adoption of new legislation (Tax Code and Customs Code), to ensure predictability, transparency, safety, fairness and clarity of taxation and customs policies. 2. To institutionalise the process of drafting and coordination of medium-term budgetary framework and draw up the national budget based on macroeconomic 19