The social responsibility and the deontology of the banking profession under the conditions of the global financial crisis

The modern economies under the impact of the globalisation of the markets have created the possibility for the divers investors to constitute some portfolios of various financial assets (shares, bonds, treasury bonds, derived instruments, other valuable bonds) from the point of view of the structure, size and dimension of the companies where investments have been made, as well as on the extremely diverse geographical area. This diversification has had the support of the considerable development of the technical instrument of the transactions and the informational technology, in a general tendency of convergence of the markets. In the conditions of the internationalisation of the businesses and of the bank loans, the banks seen from the perspective of the business are subject to some great international risks, and when they are involved in acquisitions and mergers with other entities, the financial risks have a tendency to aggregate. At the same time, under the incidence of some economic, political, social and financial phenomena of great importance, the problem of the loan risk is marked by new tendencies. Thus, if the rules of the game are followed, the banks become the real supplier not only of cash, but also of stability and trust, while if the rules are not followed, the banks not only that they are obliged to reduce the cash in the system, but also to contribute to the generalisation of the uncertainty, to the reduction of the investments, contributing to the deepening of the recession.