Bank failure is the result of a defective management in banking leading the bank to a stage of bankruptcy, which means that the insolvent bank is going to be closed by the banking authority. In general, the banking sector is viewed as more vulnerable to contagion than other industries since...

In the financial decision-making there could occur wrong perceptions over some essential aspects such as risk or profitability. The illusions associated to the indebtedness decisions have some particularities, caused especially by the insufficient financial knowledge of some debtors. Sometimes,...

This paper aims to highlight the benefits and the importance of investments in economic growth of a country. Global crisis creates impediments in obtaining these investments, which structure was divided into financial investments and real investments. Among the many causes that have helped...

In the paper there are presented the main negative effects of the world crisis revealed by the analysis performed in SMEs, there are references to some approaches at the international level, and there are formulated some solutions to combat the crisis and relaunch the SME sector in Romania.

Romanian Abstract: În fundamentarea deciziilor financiare pot surveni percepţii eronate asupra unor aspecte esenţiale precum riscul sau profitabilitatea. Iluziile asociate deciziilor asupra îndatorării au unele particularităţi, cauzate în special de cunoştinţele financiare precare ale...

Romanian Abstract: Acest studiu analizează bunăstarea financiară și determinanții acesteia, inclusiv alfabetizarea financiară, abordând principalii factori care conduc la nivelul scăzut de incluziune financiară și interdependența dintre dezvoltarea sistemului financiar și educația...

The recent financial crisis has brought new legislation in order to increase transparency in the banking sector. In Romania, as well as in the whole European Cummunity, the new legislation adresses, primarily, the protection of credit consumers. In compliance with EU Directive 2008/48/EC, the...

The recent financial crisis has brought new legislation in order to increase transparency in the banking sector. In Romania, as well as in the whole European Cummunity, the new legislation adresses, primarily, the protection of credit consumers. In compliance with EU Directive 2008/48/EC, the...

The scope of this article is to underline the overall economic impact of Single Euro Payments Area adoption upon the major players in the payments industry. Our study is structured on chapters that present the implications of SEPA on the banking industry, the project’s consequences in respect...

Monetary policy is one of the most sensitive problems in the modern financial systems. Money production of central banks and commercial banks generates a lot of problems in the prices mechanism, structure of production and is the major source of error in entrepreneurial decision. This paper...