<s>[INST] The next text is a question of a member of the European parliament:"On 29 May 2020 the European Banking Authority published the Guidelines on Loan Origination and Monitoring.These guidelines introduce new information requirements and drivers for the assessment of creditworthiness, underlining the importance of environmental, social and governance (ESG) factors and insisting on the development and strengthening of prospective cash flow assessment tools.In view of the economic repercussions that may arise from the COVID-19 emergency, it is essential to adopt new guidelines on credit granting and monitoring methods that have a proactive approach to preventing the generation of non-performing loans (NPLs).However, the need to create favourable conditions for the recovery of the real economy remains pressing. This also translates into ensuring the sustainability of bureaucratic requirements for SMEs seeking financing.1.Does the Commission consider that the information requirements for SMEs contained in the new guidelines respect the principle of proportionality according to the criteria of size and nature of the companies that intend to access new credit?2.Does it not believe that it would be more appropriate to delay the implementation date, which has been set to 30 June 2021, considering that, optimistically, economic recovery could be glimpsed in small and medium-sized enterprises around the middle of next year?"
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>
On 29 May 2020 the European Banking Authority published the Guidelines on Loan Origination and Monitoring.These guidelines introduce new information requirements and drivers for the assessment of creditworthiness, underlining the importance of environmental, social and governance (ESG) factors and insisting on the development and strengthening of prospective cash flow assessment tools.In view of the economic repercussions that may arise from the COVID-19 emergency, it is essential to adopt new guidelines on credit granting and monitoring methods that have a proactive approach to preventing the generation of non-performing loans (NPLs).However, the need to create favourable conditions for the recovery of the real economy remains pressing. This also translates into ensuring the sustainability of bureaucratic requirements for SMEs seeking financing.1.Does the Commission consider that the information requirements for SMEs contained in the new guidelines respect the principle of proportionality according to the criteria of size and nature of the companies that intend to access new credit?2.Does it not believe that it would be more appropriate to delay the implementation date, which has been set to 30 June 2021, considering that, optimistically, economic recovery could be glimpsed in small and medium-sized enterprises around the middle of next year?