EMERGING RISKS IN BANK CREDIT ACTIVITY IN TERMS OF FINANCIAL BANKING MARKETING

"Whether you know it or not, we all practice marketing. The difference arises between those who do it by ear and those who turn it into a successful career”.1 The role of marketing in the financial-banking sphere resides in identifying and meeting the criteria of the most profitable market segments, determining and assessing present and future needs of these particular clients, establishing the activities’ objectives of development and prepare plans for their achievement, promote various products and services to accomplish the marketing forecast. The present paper aims at identifying the main risks arising in bank lending activity in terms of financial banking marketing, in order to find the best ways of addressing them.financial-banking marketing, credit risk, credit policy, financial risk.

A new modal-based damage location indicator

Vibration-based damage detection techniques use the change in modal data as an indicator to assess damages in the structure. Knowing the structural dynamic characteristics of the healthy and damaged structure, the estimation of the damage location and severity is possible by solving an inverse problem. This paper presents a mathematical expression relating damage location and depth to the frequency shifts of the bending vibration modes. This expression permits the extraction of a series of coefficients that characterize each damage location and are independent of the damage severity. The vector aggregating these coefficients for a given location constitutes a Damage Location Indicator (DLI) that unambiguously characterizes the position of a geometrical discontinuity in the beam. A set of vectors typifying all locations along the beam may be used as patters opposable to the damage signature found by measurements. The similarity between the signature and one of the patterns indicates the location of damage

The Prospects of the Volunteer Movement in the Izmail Region, in the Context of European Traditions

Today volunteering as a form of social activity of citizens recognized the significant social phenomenon. Every year volunteering is becoming increasingly popular. For young people volunteering is a way of acquiring new knowledge, skills development and social activity, formation of moral values and manifestations of active citizenship. To date, the positive characteristics of volunteering consider the opportunity to acquire new professional quality, expand the circle of communication and to realize themselves in the social sphere. The purpose of writing the article is a brief analysis of the formation and development of the volunteer movement at the regional level, some facts of the volunteer movement in the context of European traditions

Epidemiology of periodic limb movement disorder

Nicolae Testemitanu State University of Medicine and Pharmacy, Chisinau, Republic of Moldova, The 6th International Medical Congress for Students and Young Doctors, May 12-14, 2016Introduction: Periodic limb movement disorder (PLMD) is characterized by periodic episodes of repetitive and highly stereotyped limb movements that occur during sleep, affecting the lower limbs, lasting 0,5 to 5 seconds and the pause between the episodes is about 20-40 seconds. Purpose of the study is studying the scientific literature about the prevalence of periodic limb movement disorder in different disorders. Materials and methods: There were studied about 50 articles about the prevalence of periodic limb movement disorder. Disscussion results: Periodic limb movement disorder is frecquently encountered among sleep disorders. Its prevalence is about 3,9% to 6% in general population. The prevalence in persons of age upper than 60 is 34%. In children periodic limb movements prevalence is 7,7%. In patients with sleep obstructive apnea, periodic limb movemets prevalence is about 4-5%. In patients with insomnia periodic limb movement disorder is encountered in about 1 to 15 % of all patients. Conclusions: Periodic limb movement disorder is a disorder with a high prevalence in general population. An appropriate clinical approach is still discussed. PLMD is frecquent encountered in different pathologies and this finding may give a solution in finding a proper clinical approach

Some epigenetic aspects of spermatogenesis dysfunctions

Contemporary society faces a relatively high frequency of spermatogenesis dysfunctions. The factors that cause these dysfunctions can affect the structure of DNA, as well as lead to various epigenetic changes. The main epigenetic mechanisms of gene function regulation are DNA methylation, histone changes, and chromatin remodeling. Currently, research on sperm epigenome has a a direction of perspective

Modern Models of Social Protection of Families of "Risk Groups" - the Roma National Minority: Regional Experience

In the article, the author discovers modern models of social work on providing social protection of families of "risk groups" - the Roma national minority, because integration into the Ukrainian society of this category of the population today is a socially significant issue

Problema sănătății și sanocreatologia

În articol sunt prezentate date privind amenințările existenței societății contemporane cauzate de starea alarmantă a sănătății populației: rata înaltă a morbidității și mortalității populației; întinerirea bolilor cronice; vectorul ascendent al morbidității bolilor noninvazive (cardiovasculare, oncologice, endocrine, mintale etc.); degradarea biologică precoce a speciei Homo sapiens; etc. Sunt aduse dovezi referitor la unica cale de soluționare a problemei sănătății prin crearea, menținerea și fortifi carea dirijată a sănătății – obiective primordiale ale direcției noi în biomedicină – sanocreatologia, precum și prezentate succint bazele științifi ce ale acesteia