Participants of the World Assembly of Youth "European Youth Dialogue" (23-28 August 2002, Brijuni Islands, Croatia) had adopted the "Declaration on Youth as a Global Banking & Financial Resource" which had truly recognized Civil Society as a brand new LABOUR & CAPITAL MARKET, with Youth as its real key vehicle and the utmost ever-renewable resource of Sustainable Development as such. Youth Banking Concept is therefore deeply rooted in a new form of contemporary social differentiation (state-governmental, private business and civil society sectors), based upon new division of labour and related to new forms of capital ("intelligent capital", intellectual property rights, etc) that are emerging and taking affordable shape on a day-to-day basis.

Civil Society is usually called a "non-for-profit sector", which usually leads us to a wrong conclusion that there is no profit, gain or surplus value in this segment of society - that it is not productive, efficient or effective part of economic human life in general. But, the only difference between co called profit and non-for-profit sectors is that in the later net income after taxation has to be reinvested into related programs and projects according to related laws - it can not be taken out of production process (in broader sense Development) and spent in any known and usual private-consuming practices. Strategically speaking from the points of view of contemporary New Labour and New Capital, Civil Society is the "third pillar" of any reasonable Sustainable socio-economic Development, and it deserves to develop its own, distinctive and specific, banking and financial standards and practices through its own, brand new organizations and institutions.

As other "two pillars" (state-governmental and private business sectors) are overly developed in relation to the "third pillar" (Civil Society), the very process of gaining its real self-sustainability will take longer time than usually projected for other commercial "projects". It is of utmost importance to notice that Civil Society sector, mainly manned with young people, does not have any real chance of development without strategic long-term partnership with other two sectors, and that this "two pillars" will forever be in their present unstable and non-secure condition without the full development of their "third" counterpart. Being the unforeseeable, ever-renewable and unavoidable development resource, it is the utmost strategic socio-economic interest of other two sectors to develop it fully so as to become really productive, operational, efficient and effective in any possible sense (models of that support on global level is a question of the broader tripartite inter-sector consensus,.so we propose this to be elaborated through BWI (UN, WB, WTO, ILO and other) e.g. State Youth Bonds, various legal-framework adaptations (tax deductions for Direct Youth Investment, etc) on both national and international levels.

The very concept of "Civil Banking" is based on new methodologies for the integral quantification of newly added values ("Permanent Monitoring System") and the technology of "Direct Youth Investment" (DYI). DYI is based on dismediated & unlimited cross-border/two-way communication of Youth with international institutions and organizations (and vice versa), as well as on direct national-to-national/regional-to-regional/local-to-local relations, through Global Youth Banking and Financial Network (GYBFN), represented by the World Youth Bank and the network of regional and national Youth Banks and other WYBN belonging institutions. Civil Banking should represent the core fundament of the real contemporary Participatory Democracy concept because of its "sustainable middle-class development" socio-economic strategy as a key vehicle for the integral Decent Sustainable Development for all.