Transhumanism Between Human Enhancement and Technological Innovation

Transhumanism introduces from its very beginning a paradigm shift about concepts like human nature, progress and human future. An overview of its ideology reveals a strong belief in the idea of human enhancement through technologically means. The theory of technological singularity, which is more or less a radicalisation of the transhumanist discourse, foresees a radical evolutionary change through artificial intelligence. The boundaries between intelligent machines and human beings will be blurred. The consequence is the upcoming of a post-biological and posthuman future when intelligent technology becomes autonomous and constantly self-improving. Considering these predictions, I will investigate here the way in which the idea of human enhancement modifies our understanding of technological innovation. I will argue that such change goes in at least two directions. On the one hand, innovation is seen as something that will inevitably lead towards intelligent machines and human enhancement. On the other hand, there is a direction such as “Singularity University,” where innovation is called to pragmatically solving human challenges. Yet there is a unifying spirit which holds together the two directions and I think it is the same transhumanist idea

THE ANALYSIS OF THE CORRELATION BETWEEN THE LEVEL OF THE BANK FEES FOR CARDS AND THE NUMBER OF ACTIVE CARDS, CONDUCTED WITH THE HELP OF THE „PEARSON†COEFFICIENT

The evolution of human society in all areas, and especially the economic field,required the banking offer to adapt to new requirements, which called for the modernization andthe development of the services provided by the bank to its customers, but also becoming close tothem. The goal we set with this article is to examine in terms of methodology the correlation between thenumber of active cards and the fees level with PEARSON coefficient. It is study the level of feespracticed by Raiffeisen Bank is/ is not greatly influenced (depend or doesn’t depend) by the numberof active cards, meaning there are other factors influencing the fees levels.transactions, active cards, cards, Pearson coefficient.

COMPARATIVE STUDY ON THE EVOLUTION OF LOANS ANDDEPOSITS BETWEEN THE ROMANIAN BANK FOR DEVELOPMENT (BRD) - GROUPE SOCIETE GENERALE AND THE ROMANIAN BANKING SYSTEM

Traditionally, banking consists in attracting deposits or other repayable fundsfrom the population and in granting loans. This paper aims to analyze the attracted depositsand the loans granted by BRD - Groupe Societe Generale in relation to the Romanianbanking system, as well as analyze the evolution of deposits and loans in terms of the interestrate for the whole banking system with the help of the Pearson‘s correlation coefficient for theperiod 2006-2010.banking system; analyze; deposits; loans; correlation coefficient.

ANALYSIS ON THE ROMANIAN BANKING LEGISLATION AND THE BANKS PROBABILITY OF DEFAULT

This paper examining the perception on the judicial system and the lawenforcement associated to the banks’ probability to default. Credit institutions mustcontinuously update and undertake a satisfactory legal analysis, which is to confirm thepossibility of signing collateral contracts in all relevant jurisdictions. If necessary theanalysis must be updated in order to assure, at any moment, the enforcing of those contracts.probability to default, legal analysis, collateral contracts, jurisdictions

THE ASSESSMENT PROCEDURE OF THE OPERATIONAL RISK EVENTS

A credit institution must establish a management framework of the operational risk.This framework must cover the appetite and tolerance to the operational risk of a credit institution,in accordance with the management policies of this risk, including the measure and method inwhich the operational risk is transferred outside the credit institution.The management framework of the operational risk should include policies and processes for theidentification, assessment, monitoring and control/diminishing of the operational risk.operational risk, frequency and validation, risk levels, monitor, indicators.

STUDY OF CORRELATION BETWEEN AVERAGE INTEREST RATE AND NON-PERFORMING LOANS IN THE ROMANIAN BANKING SYSTEM DURING 2006- FEBRUARY 2010

This paper aims to examine the correlation between average interest rate and non-performing loans in the Romanian banking system during 2006-February 2010. We based our approach on the Pearson correlation coefficient and we realized an empirical study, which demonstrates how these relevant banking elements are connected. Also, the result of this research suggests that there are other indirect channels which affect the non-performing loans.Pearson correlation coeficient, Non-performing loans, Average interest rate, Credit-risk provisions

KEEPING AND ENCOURAGING NEW BUSINESS

The key for keeping and encouraging new businesses consists in giving a variousnumber of facilities. The paper tries to explain the way the firms choose their businesses locations,the use of new technology in the production process and the methods of gaining and keepingcustomers.business; strategy; encouraging businesses; communication methods

MEASURING MODEL FOR BAD LOANS IN BANKS. THE DEFAULT PROBABILITY MODEL.

The banking sectors of the transition countries have progressed remarkably in the last 20 years. In fact, banking in most transition countries has largely shaken off the traumas of the transition eraAt the start of the 21st century banks in these countries look very much like banks elsewhere. That is, they are by no means problem free but they are struggling with the same issues as banks in other emerging market countries during the financial crises conditions. The institutional environment differs considerably among the countries. The goal we set with this article is to examine in terms of methodology the most important assessment criteria of a measuring model for bad loans.assessment criteria, "Default" model, collateral, Basel II Accord

AN ANALYSIS OF THE SEPA CARDS FRAMEWORK (SINGLE EURO PAYMENTS AREA) ADOPTION IN ROMANIA

The study examines the actual status and the future application of Single Euro Payments Area SEPA Cards Framework, based on Romanian experience. The paper highlights the fact that there is no national card scheme in Romania and that the local cards marketSingle Euro Payments Area (SEPA) Cards Framework SCF, National card scheme, Challenges of the SCF implementation in Romania