The purpose of this paper is to highlight the level of European financial integration, based on the academic literature analyzing a comprehensive set of indicators and methodologies. We structured our research on sections that present a theoretical approach of the instruments that will be used...

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...

This paper studies the particularities of portfolio selection on the Romanian stock market using the risk-return maximization criteria introduced by Harry Markowitz (1952). We used daily prices for the 36 most liquid companies traded on Bucharest Stock Exchange during January 2010 – March 2012...

Making a credit decision is limited to a reasoned agreement or refusal. The key words in making the credit analysis are "customer knowledge". The substantiation of the credit decision refers to both a quantitative analysis and a qualitative analysis of a company in order to identify the key...

Market economy is characterized at a time, among others, by the existence of twopartners, so that one has some money, a certain amount of capital, and one needs money. The first has money and wants to capitalize on them as possible, and the second wants to enter into possession of a capital base...

The achievement of a project of investments in agriculture, through the utilization of the financial instrument European Fund for Agriculture and Rural Development means the calculation and the analysis of some obligatory indicators. These indicators of the economical efficiency of investments...