Această lucrare scoate în evidenţă importanţa procesului de analiză şi soluţionare corespunzătoare a reclamaţiilor primite de către băncile comerciale de la clienţi. Reclamaţiile clienţilor trebuie privite pozitiv. Ele reprezintă vocea clientului, transmiţând un mesaj cu...

The liberalisation of capital flows makes in the Romanian economy vulnerable to the important and presumably unstable capitals.

The turbulences on the international financial markets are rather connected to the downfall of the American mortgage market than to the generalised insolvency of the debtors.

The paper refers to the impact of the Basel 2 Agreement on the development of small and medium enterprises (SME). There are presented the methods for estimating the rating (standard, basic inter and advanced rating). It is also presented the experience of some countries like Italy, Germany,...