The paper contains 4 chapters: 1. the organizational culture - an authors vision concerning this definition and this main variables; 2. the competence on the organisational level as the objective of this culture development; the process of learning and skills capitalisation in order to fulfil...

Most of the international commercial transactions consist of merchandise and capital flows. The fluidization of these flows implies special financing techniques or the use of some payment instruments adequate to the purpose: minimum risk, time and cost. The payment sources or instruments can...