Evolution of digital marketing

The people who receive the information and buy products/services migrate, nowadays, from traditional to on-line media, a greater number of them is accessing the desired news from specialized sites and from mobile devices, anywhere and anytime. The fast adopting of new technologies affects – and transform – manufacturing, distribution and consume, but to optimize on-line channels is necessary to act objectively, and to found the decisions on performance key indicators. In the process of adapting to these market changes, the marketers have the opportunity to reach a different audience through on-line and mobile instruments. This approach based on real data, facilitated by web analysis, helps companies to focus the efforts and to have success with the new offer versions.digital marketing, blog, mobile marketing, interactive television

SURPASSING THE CRISIS AND RESUMING THE ECONOMIC GROWTH – MAIN OBJECTIVE OF THE MONETARY POLICY PROMOTED BY THE NATIONAL BANK OF ROMANIA

In 2008, the global financial crisis has generated a feeling of distrust from investors and significantly increased their risk aversion. The size of current account deficit, the relatively high external financing needs and the dependence of the banks on it, the high ratio between loans in foreign currency and deposits in foreign currency made of the Romanian economy, a risky destination for investors. In these conditions, since the end of 2008 and throughout 2009, the government's economic program was focused on reducing the external deficit in both public and private sector, on minimizing the effects of recession, on avoiding a crisis of the exchange rate and on cooling the inflationary pressures.monetary policy, exchange rate, external financing, budget deficit

ORGANIC PRODUCTS - A CHANCE TO MAKE THE AGRICULTURE OF ROMANIA IN THE EUROPEAN UNION AND A SOLUTION TO ECONOMIC CRISIS

Sustainable development is development that combines the present requirements without compromising the ability of future generations to meet their own needs. Sustainability is therefore characterized by three main aspects often in conflict: the economic aspect (effectiveness), the social (equity) and environmental (pollution, degradation). In the agricultural sector link between efficiency, equity and environment is very necessary. Economic performance in agriculture depends primarily on availability and quality of natural resources. Environmental damage may adversely affect agricultural productivity and income, which in turn may be pressure on economic and social structure in rural communities. Thus, in the current economic crisis, the experts recommended as solutions three main directions of interest: tourism, investments in renewable energy and organic farming.organic agriculture, comparative advantages, economic performances

THE POLITICS OF THE NATIONAL BANK OF ROMANIA TO DEAL WITH CREDITING RISK

Economia de piaþã presupune existenþa unui sistem bancar care sã asigure mobilizarea tuturor disponibilitãþilor monetare ale economiei ºi orientarea lor temporarã în desfãºurarea de activitãþi economice eficiente. O laturã semnificativã a performanþei bancare este dimensionarea riscurilor, în scopul reducerii lor. În condiþiile în care managementul bancar este defectuos iar riscurile nu sunt luate în considerare se poate ajunge la reducerea rentabilitãþii ºi, în final, chiar la faliment. Aceasta pentru cã acordând credite bãncile îºi asumã riscuri care sunt determinate fie de calitatea îndoielnicã a debitorului (apare insolvabilitatea acestuia), fie sunt datorate evoluþiei economice generale (care se manifestã în cazul bãncilor sub forma riscurilor dobânzilor ºi cursurilor de schimb), fie de structura financiarã a bãnci (manifestatã printr-o expunere mare, îndeosebi prin finanþarea creditelor pe termene lungi din depozite pe termene scurte sau la vedere). Riscul bancar poate fi provocat de cauze interne bãncii sau externe acesteia, generate fiind de mediul concurenþial. În literatura de specialitate, metodologia utilizatã în managementul riscului presupune dezvoltarea pe mai multe etape: identificarea ºi analiza riscului; eliminarea ºi controlul riscului; evaluarea ºi asumarea riscului; finanþarea riscului prin acoperire (debitarea rezervelor generale sau specifice) sau prin transfer, ceea ce presupune asigurarea societãþii bancare. Pentru bãncile care acþioneazã în România, riscurile operaþionale sunt mai pregnante, datoritã mediului economic ostil în care lucreazã, dar ºi specificului sistemului bancar românesc, aflat încã în faza de creºtere ºi adaptare la rigorile concurenþiale ale economiei de piaþã. Lucrarea va încerca sã surprindã implicaþiile riscului de credit asupra activitãþii bãncilor, având în vedere importanþa ºi rolul acestuia în asigurarea creºterii rentabilitãþii unei bãnci.crizã, risc bancar, împrumuturi neperformante, supraveghere bancarã, gestionarea riscului de credit

THE POLICY OF THE EXCHANGE RATE PROMOTED BY NATIONAL BANK OF ROMANIA AND ITS IMPLICATIONS UPON THE FINANCIAL STABILITY

The more profound world economic crisis has strongly marked the evolution of the Romanian financial system. The size of current account deficit, the relatively high external financing needs and the dependence of the banks on it, the high ratio between loans in foreign currency and deposits in foreign currency made of the Romanian economy, a risky destination for investors. In these conditions, since the end of 2008 and throughout 2009, the government's economic program was focused on reducing the external deficit in both public and private sector, on minimizing the effects of recession, on avoiding a crisis of the exchange rate and on cooling the inflationary pressures.monetary policy, exchange rate, external financing, budget deficit

ON-LINE COMMUNICATION BY SOCIALIZATION SITES

Socialization online sites have become important landmarks for people all around the world and of all ages, especially for youth. Users of such services can socialize with people they know or with unknown, people located in the vicinity or at different distances, even on different continents. In other words, social online sites help people to interact with others of their kind, to know people who have the same passions as they have. The access to such sites is free and the members can build profiles (which include data on name, age, hobbies or favorite books and movies) and can share photos, music or videos with the others. A friend is, in the language of the socialization sites, any user who has a link to his/her profile page. Users can send messages or can leave comments on other profiles. In some cases, people who meet on such sites decide to meet also in the real life.internet, on-line, socialization sites, privacy

Evolution of digital marketing

The people who receive the information and buy products/services migrate, nowadays, from traditional to on-line media, a greater number of them is accessing the desired news from specialized sites and from mobile devices, anywhere and anytime. The fast adopting of new technologies affects – and transform – manufacturing, distribution and consume, but to optimize on-line channels is necessary to act objectively, and to found the decisions on performance key indicators. In the process of adapting to these market changes, the marketers have the opportunity to reach a different audience through on-line and mobile instruments. This approach based on real data, facilitated by web analysis, helps companies to focus the efforts and to have success with the new offer versions

POLITICA DE CURS PROMOVATĂ DE BNR ÎN CONTEXT EUROPEAN

The pragmatic approach of Romania’s process of integration in European Union presupposes the achievement of objectives and priorities provided by the National Program of Romania’s Accession to European Union, not only as premises of integration, but especially as national desiderata. According to objectives as regards the European Integration, NRB acted according to Romania’s efforts concerning the institutional, structural and operational adjustment of Romania’s economy to communitary requirements. The National Bank of Romania has continued to pay a special attention to the banking system reform and also to the acceleration process of financial integration, in accordance with the norms and principles lying at the basis of European policies. As regards the rate policy promoted, the Romanian National Bank has in view some factors to lead to the strengthening of ROL, that is to the raising of commercial transactions both in export and in import, closely followed by the raise of financial transactions. In the opinion of NRB Governor, all these measures will ensure a stability of the national currency, more exactly a real appreciation of ROL flow

POSIBILITĂŢI DE INTEGRARE A FORŢEI DE MUNCĂ ÎN CONTEXTUL DEZVOLTĂRII ECONOMICE EUROPENE

L’adhésion de la Roumanie à l’Union Européenne représente une opportunité d’appartenance à unbloc fort dynamique. La Roumanie ne peut s’avérer un membre viable, actif de l’UE sans obtenir des succèsdans ses efforts de dynamiser l’économie.Bien que la migration ait des effets positifs immédiats sur l’économie roumaine, vu la diminution de lapression sur le marché du travail et la dynamisation du chômage, à l’avenir proche, cette tendance peut être encontradiction avec la capacité de l’économie roumaine d’assurer des emplois, en la privant ainsi de resourcespour son propre développement.De cette perspective, l’interdépendance entre les impératifs de développement de la Roumanie, lemarché intérieur du travail et le raccordement, par immigration, aux marchés internationaux du travail, devraitconstituer un sujet de méditation pour la classe politique roumaine