The relevance of the study is associated with the problem of introducing a risk-based approach in the quality management systems (QMS) of organizations from various sectors according to the requirements of ISO 9001:2015. It hereby offers a new feature of risk classification based on their application in management systems concerning various aspects of organizations activity, in particular, risk in QMS (quality risk). The authors’ definition of the term “quality risk” is presented, and the concept of the “risk-based approach in QMS” is clarified. Methodical approaches to the choice of the complexity of the risk-based approach
depending on the QMS maturity in an organization and the factors of its environment are developed and tested in 46 organizations from various industries.

Enhanced annuities are non-deferred annuities that, by considering risk factors of the insured person in addition to their age, can provide a greater periodic pay-out than that of standard annuities. Given current demographic trends and the associated longevity risk, enhanced annuities, widely introduced in the United Kingdom, can become an important market niche in countries where their sale levels are low or non-existing, as is the case of Spain. In this work, we describe some key aspects of enhanced annuities. A quantitative analysis is also carried out. To do so, we focus on determining the pay-outs to be received, based on the consideration of a mortality table fitted to the annuitant’s life expectancy. Finally, the main drivers of and barriers to the demand and supply of this product are exposed, considering the particular situation of Spain.

In this work, the Galician fiscal balance for the 2011-2013 period is estimated, using the SICOP as the database for allocating expenditure and carrying out a comparison with the results obtained from the System of Territorialised Public Accounts. As the main innovation. and differing from different works published so far for Galicia, the result of the fiscal balance is presented according to the following logic. Firstly, the “basic fiscal balance” is prepared, where only the territorialised expenditure in Galicia is taken into account and which is materialised in transfers from the Central Administration to the Autonomous
Community, expenditure on goods and services, personnel and real investment. Subsequently, the result of the “extended fiscal balance” is indicated, where financial and social protection expenditure is added.

In 2007, the Azucarera company successfully launched a new sugar container in order to improve product differentiation. Twelve years after launching the new product, the aim is to analyze the evaluation of the attributes of the packaging that add value to it, the intention to buy and the willingness to pay a premium for the new packaging compared to the orixinal one. Based on the expertise obtained after the launch of the product, this study analyzes, in addition to the consumer's point of view, the manufacturer of the container, the distributor and the company that produces sugar. The results reveal that the consumer is not only predisposed to buy the new package but is willing to pay price premium over the traditional package in addition to significantly assessing the main dimensions of the package such as ease of use, tightness and hygiene.

In this paper we analyse the impact that cultural identity and political autonomy have on the ability of European regions to develop the sector of creative and cultural industries. Firstly, we have compiled a collection of existing literature on key factors to explain the agglomeration of these industries. Secondly, we introduce our hypotheses about the effect of regional identity on creative and cultural industries. Next, we consider four econometric models that relate these concepts in the case of European regions. Finally, we expose the main conclusions of the work that can be summed up as the existence of a positive impact of regional identity on the development of creative and cultural industries in the European regions.

This research presents a proposal for a study of governance from the perspective presented in the Integrated Maritime Policy (IMP) of the European Union, which seeks to provide coherence to the problems in the maritime sector through the coordination of all stakeholders in the maritime sector. The objective of this research is to identify the barriers and the problems that occur when a Member State tries to implement the Integrated Maritime Policy in the governmental organization of marine spaces. The challenge is to achieve ‘blue governance’ i.e.the activation of a network of cooperation between the different stakeholders of the port sectors so as to be able to integrate the different regional, national, European and international levels with the purpose of establishing a structured, systematic collaboration framework