The financial crisis gave an impetus to finding “weaknesses” in financial institutions. One such tool is the stress-testing. This method is intended to identify through modeling “hypothetical” or “historical” scenarios, the most losses, in the execution of a script. In the simulation...

The economic crisis has stopped the Romanians consumerism momentum. The perspective of job loss, changes in exchange rate or the inflation made many people to be extremely cautious when contract a loan for fear they can not repay it. In this paper we intend a retrospective analysis of housing...

The use of the GPS system opens the way for a new generation of information systems using geospatial information. The geoinformation provided by the GPS system could be used in various applications, such as: positioning and monitoring the behavior of the objects static or in movement,...

In detail knowledge of clients that banks enter in business relations with is a way of increasing the efficiency of banks’ investment portfolio. This is because banks so manage to attract new clients more easily and also keep the existing ones into their portfolios, through identifying their...

The banks have an important role in economy. There is any bank without a risky activity. The goal of this paper is to show that the external auditors have an important role to play in monitoring banks’ risks, and that they are in compliance with supervisory practice. Also, the risk of bank...

In this article we intend to present a comparative approach between three recognized international methodologies for risk management: RISKMAN, Project Management Institute Methodology-PMBoK and Project Risk Analysis and Management Guide (produced by Association for Project Management).

Credit institutions supervising mission by state authorities is mostly assimilated with systemic risk prevention. In present, the mission is orientated on analyzing the risk profile of the credit institutions, the mechanism and existing systems as management tools providing to bank rules the...

The future of business depends, in a determinant way, on the manner in which the companies have the risk under control. In businesses, risk management entails organized activity to manage uncertainty and threats and involves people following procedures and using tools in order to ensure...

Managementul riscurilor reprezinta procesul de implementare si actualizare a unor metode si instrumente de minimizare a riscurilor asociate sistemului informational al unui organizatii, precum Politicile de Securitate Informationala, procedurile si practicile formalizate asociate acesteia,...