Probleme şi perspective de dezvoltare a gestiunii bancare în situaţii de criză

Crisis management in the banking sector is a set of system management activities, which is a comprehensive, systemic in nature and aimed at preventing or eliminating adverse banking phenomena of business through the use of the capacity of management, development and implementation of specific strategic programs that address the temporary difficulties, to preserve and increase its market positions in all circumstances, while relying mainly on its own resources. For the successful practice of crisis management are often used analytical methods, which consist of studying the financial situation of the bank by qualified specialists, involving the top management of banks and their key departments. The aim of this study is to identify problems in the risk management system and develop recommendations to improve the efficiency of the organizational structure of the bank

Abordarea integrată a sistemelor de monitorizare a riscurilor bancare

The study of essentially banking risks was the basis to note that the risk is the historical category that requires understanding when making a decision in a certain situation in the presence of an alternative, which does not give confidence in obtaining a positive result after the implementation of the decision. Maintenance of a banking institution, must be put to a number of principles: awareness of risk-taking, handling, consistency, comparability of the level of exposure to the level of profitability of operations and its financial capacity of the bank, management efficiency, time-based operations and benchmarks banking strategy, accounting risk transfer opportunities

BASIS FOR THE DEVELOPMENT OF THE LIQUIDITY OF THE GOVERNMENT SECURITIES MARKET IN THE REPUBLIC OF MOLDOVA

The unilateral structure of the domestic financial market, monopolized by banking institutions,requires a major reconfiguration by returning to representative positions of the capital market. Thisrestructuring can be initiated by increasing investors' interest in the government securities market, givingit some quality elements, but also by creating a trading system that would increase the liquidity of allsecurities on the capital market. Increasing the quality of the GS market would allow the government on theone hand, to diversify its funding sources and manage its most important market risks more effectively, andon the other hand the financial sector would create opportunities for it to correlate and synchronize thedevelopment of the GS market with other segments of the capital market. In order to identify prerequisitesfor the development of the GS market in the RM, using the methods of research analysis, synthesis anddeduction, we initially sought to identify the characteristics that define a market of government securitiesas a qualitative one. A comparative analysis of the historical evolution of government securities markets,which can be considered representative for the Republic of Moldova, can provide the necessary experiencefor the improvement of the liquidity level of the domestic government securities market. The results of thisresearch have identified several possible actions, the implementation of which could lead to an increase inthe quality of the domestic GS market

IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES

The impact of the financial crisis has demonstrated the fragility of the banking sector and the need to implement new technologies that would allow not only insurance against the most important credit risk - credit risk, but development of lending segment. In such conditions, transfer of credit risk is an efficient and actual way to diversify the banks exposure for credit risk by the presence of those who are willing to take on some of this risk. Taking of credit risk can be achieved through credit derivatives, securitization and sale of loans, being selected the most advantageous technique for the bank. The current situation of the national banking sector requires solving the problem of bad loans, which, unfortunately, are increasing, by implementing new techniques for credit risk management according with EU directives

Low financial inclusion as an educational gaps result: the Republic of Moldova case

Financial inclusion has a significant role in increasing the quality of life of citizens, as it represents the model of access to financial products and services in order to meet their development needs in a sustainable and responsible way. In this article, we are aiming to analyse the educational deficiencies of the Republic of Moldova, resulting in low financial inclusion of the population, as well as to provide certain solutions to increase the level of economic education of the population at different stages of the educational process. The opportunity to study this subject refers to the need to implement various solutions in order to ensure an acceptable level of financial inclusion, which primarily involves the participation of educational institutions in the formation of financial skills and financial literacy. In order to study the subject approached in the article, there were used the following research methods: analysis, synthesis, induction, deduction, comparison, etc. The research results include the selection from the literature of the concepts on financial inclusion, financial education and their importance for the economic development, research on this subject based on the analysis of the education system in the Republic of Moldova and the formulation of the most relevant research findings, resulting in recommendations for actions needed to be implemented actions needed to be implemented in the emerging countries, such as the Republic of Moldova in order to increase the level of financial inclusion

MONETARY POLICY FORCE EFFECT BY MEANS OF BANKS MONEY CREATION

In the context of modern economy, banks play an essential role for sustainable growth, by ensuring economy with financial resources and driving impulses of monetary policy to economy. Monetary authorities influence significantly the bank's ability to fulfill this role. Thus, to achieve macroeconomic objectives, there is promoted particular monetary policy and are implemented various practical regulations for banks. In this article, we want to identify the existing relationship between monetary policy followed by the authorities and the ability of banks to create money with its impact on various practical regulations

IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES

Abstract: The impact of the financial crisis has demonstrated the fragility of the banking sector and the need to implement new technologies that would allow not only insurance against the most important credit risk - credit risk, but development of lending segment. In such conditions, transfer of credit risk is an efficient and actual way to diversify the banks exposure for credit risk by the presence of those who are willing to take on some of this risk. Taking of credit risk can be achieved through credit derivatives, securitization and sale of loans, being selected the most advantageous technique for the bank. The current situation of the national banking sector requires solving the problem of bad loans, which, unfortunately, are increasing, by implementing new techniques for credit risk management according with EU directives