Proposal for a COUNCIL DIRECTIVE amending Council Directives 77/780/EEC and 89/646/EEC in the field of credit institutions, Council Directives 73/239/EEC and 92/49/EEC in the field of non-life insurance, Council Directives 79/267/EEC and 92/96/EEC in the field of life assurance, and Council Directive 93/22/EEC in the field of investment firms in order to reinforce prudential supervision.