In the intense competitive conditions in order to ensure the required quality of services and financial products should be done to establish a standard of services and products and ensuring its maintenance. As such, an important part of the marketing process is to determine the minimum...

The banking industry has undergone significant operational changes over the last decade, thanks to advances in information technology. The rapid diffusion on the Internet has revolutionized the delivery channels used by the financial services industry. This article examines consumers’...

The capital adequacy as a restrictive measure imposed on banks is the basic concern of bank regulators, as a banking system consisting of highly capitalized banks will overcome much easier the various risks to which it is exposed. This article refers to regulations made by the Basel II Accord as...

The leasing market in Romania is made up of thousands of businesses that meet the two conditions required by law for operators in this market, namely: inclusion of "leasing activity" in the subject of activity and social a capital of RON 50.000, more than 270 companies are active 39 and have...

Banking role in ensuring a proper functioning of the financial and monetary mechanism by facilitating performance of the cash flows in correspondence with the flows generated by the companies was the reason that bank (creditor) – company (debtor) relation was on a permanently attention of...

More and more in recent times credit institutions are replacing traditional brick and mortar agencies with technology focused on changing the behavior patterns of customers and streamlining the delivery process of their services. The main factors that promote this growing trend are the...

In this article we attempt to set a starting point for a more comprehensive analysis of systemic risk as the primary ingredient to understand financial crises and as the main rationale for financial regulation, prudential supervision and crisis management. The author try to explain why the...

Factoring, a product used in dynamic business environments worldwide, is a quick solution for the issue of working capital locked in the loan provider, ensuring a productive use of financial resources. During the economic crisis and given the very limited access to traditional financing schemes,...

The market economy refers to the implicit presence of a banking system which could ensure the mobilization of all the monetary resources of the respective economy and their temporary orientation towards the development of efficient economic activities. The financial risks originate in the...

This paper is an overview of the specialty literature as regards the non-performing credits, both globally and at the level of our country, expressing my own point of view concerning the evolution of this phenomenon. My paper shows that first of all it is necessary to make an analysis of...