Unemployment represents a phenomenon frequently met in the economy of any state. This paper presents the unemployment evolution in Romania in order to observe its evolution and the category of people affected by unemployment, from the sex point of view. The statement that women are more affected...

Solvency II represents a great challenge for the European Insurance Market, in the laborious approach of creating a unitary framework, based on uniform supervising standards, adjusted to the complex risks which the financial system meets. Domestic models of determining the capital demands offer...

The integration of Romania in the European Union has determined serious implicationson economy and on the national banking system that had to cope with the pressure of a competitive market having higher and higher demands from customers who ask for much more complex products and banking...

The role of the bank branches will evolve differently in the coming years. The European banks predict that the number of with councilors will increase significantly. However the sales volume performed by branches will decrease while a part of these sales are taken by alternative channels. As a...

Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition imposement. Banks being aware of the quality problems also lead to the appearance and requirement of some area working standards. Standards...

The construction of a united Europe represents the ideal of the Europeans and not only. Such ideals require both responsabilities and risks. Unfortunately, the issue of the European construction is more approached from a political and economical point of view. The cultural dimension of the...

At present, consumers focus on meeting their higher needs, as opposed to previously meeting the base ones. However this trend is not among priorities for the Romanian consumer. He/she uses almost 43% of the total consumption expenditures for the purchase of food, being restricted in his/her...

At European level, the Europe 2020 Strategy was adopted in order to to shift from the current economy to a new economy. The new economy is based on smart, sustainable economic growth and it supports social inclusion. The present paper aims to present the targets and the most important indicators...

The changes occurred over time in the population have effects on the economy, especially the reductions in the birth rate which may lead to disturbances in the population structure. The relationship between the economic growth and the birth rate in Romania is analysed over an 11-year period, in...

The effects of the economic crisis appeared in the services sector registering a wide spread. The services sector has been entirely affected by the crisis, but especially the field of tourism had a significant decline in 2008 and 2009. The following period offered a surprise regarding the return...