<s>[INST] The next text is a question of a member of the European parliament:"Seen until recently as a niche activity, alternative online finance, which includes equity crowdfunding (crowdfunding based on the issuance of share or bonds) and peer-to-peer (person-to-person) lending, became a very important and often-used financing source for SMEs, start-ups and many other business projects in Europe. Alternative online finance conducted on financial trading platforms outside the traditional banking system grew in Europe from EUR1.21billion in 2013 to EUR2.9billion in 2014. In Romania, alternative finance is yet another market in its early stage, despite the fact that websites dedicated to crowdfunding report higher success rates for campaigns. Also, there are local projects that initiate campaigns directly on well-established websites, such as indiegogo.com.  What are the Commission’s recommendations regarding financing under these circumstances, given that without being able to attract resources, economic activity is seriously impaired?"
Analyze carefully the text and assign it to the most relevant policy area among those listed below. Do not explain your answer and return only a number.
Policy area numbers: 1 = Macroeconomics
2 = Civil Rights, Minority Issues and Civil Liberties
3 = Health
4 = Agriculture and Fisheries
5 = Labour, employment and pensions
6 = Education
7 = Environment
8 = Energy
9 = Immigration
10 = Transportation
12 = Law and Crime
13 = Social welfare
14 = Regional and Urban issues and Planning
15 = Banking, finance and domestic commerce issues
16 = Defence
17 = Space, science, technology, and communications issues
18 = Foreign trade
19 = International affairs and foreign aid
20 = Governance and government
21 = Public Lands, Water Management and Territorial Issues
23 = Culture and media
[/INST]. Answer = [15]. </s>
Seen until recently as a niche activity, alternative online finance, which includes equity crowdfunding (crowdfunding based on the issuance of share or bonds) and peer-to-peer (person-to-person) lending, became a very important and often-used financing source for SMEs, start-ups and many other business projects in Europe. Alternative online finance conducted on financial trading platforms outside the traditional banking system grew in Europe from EUR1.21billion in 2013 to EUR2.9billion in 2014. In Romania, alternative finance is yet another market in its early stage, despite the fact that websites dedicated to crowdfunding report higher success rates for campaigns. Also, there are local projects that initiate campaigns directly on well-established websites, such as indiegogo.com.  What are the Commission’s recommendations regarding financing under these circumstances, given that without being able to attract resources, economic activity is seriously impaired?