The impact of the bank credits on the sustainable development of the real sector in the Republic of Moldova

The reformation and consolidation of the credit system is one of the factors that can stimulate national economic growth. In this context, the presentation is emphasizing the problems and proposals referring to the consolidation and sustainable development of the real sector through the bank credits. As well, it remarks the possibilities of decentralization of the national credit system, through the diversification of the types of credit institutions and financial products, both in urban and rural areas that could cover the financial necessities of all branches and spheres of the national economy.bank credits, real sector, interest rate, sustainable development, bad credits, volume of credits

BANKING INNOVATIONS RISK – PROFITABILITY RELATIONSHIP IN THE BANKING SYSTEM OF THE REPUBLIC OF MOLDOVA

The level of information technologies development in modern banks represents an essential factor in maintenance and consolidation of the position on the market. In this respect all Moldovan banks develop risk management policies with regard to banking IT’s and e-products and services, which they consider as the main part of banking innovations at the moment. The purpose of this article is to analyze each innovation (Information Security Services, Business Systems Controls, Business Continuity Management, IT Outsourcing, Information Systems Governance, IT Performance, Project Risk Management, IT Internal Audit) in terms of risks and benefits when these risks are managed properly.banking system, risk, information technologies

EXTERNAL DEBT IMPLICATIONS ON THE DEVELOPMENT OF NATIONAL ECONOMY

The external debt of the Republic of Moldova is increasing constantly. Excessive external debt has been a big problem for both developing and developed countries during the years. Developing countries face this problem more often as they need to borrow to finance their objectives and strengthen the economic growth. It is very important for our country to determine the optimal level of indebtedness that the economy can bear. That is why the external debt should be contracted in strict accordance with the needs of the economy, and borrowed loans should consider the country’s reimbursement capacities to avoid the liquidity or solvency crisis. The scope of this paper is to give a prompt and correct overview of the importance of external debt management and its impact on the economic growth of the country. In the research process, the deduction, based on general theoretical information on the structure, management, external debt and indebtedness assessment, the economic influence policies were used and then passed on to practical analysis using specific indicators

The impact of international financial crisis on foreign direct investments flow in the Republic of Moldova

During the last years the Republic of Moldova becomes to be more and more integrated to the international investments market. The investment flows in the Republic of Moldova is taking the form of foreign direct investments. The international flows of FDI are decreasing in 2008 due to the effects of international financial crisis, in comparison with the period 2004 – 2007 when it was resisted an increasing trend. In the same time, the purpose of the present article is to present the trends and particularities of FDI in the Republic of Moldova.foreign direct investments, international investment market, investment climate, investment process, investment flows, joint venture enterprises, offer and demand of FDI

THE CLIENTS’ DEGREE OF CREDIBILITY AND TRUSTABILITY IN THE BANKING SECTOR OF THE REPUBLIC OF MOLDOVA UNDER THE CONDITIONS OF THE BANK FAILURES

The number of banks which face problems (besides the three banks that have become bankrupt) has increased making the clients to worry about their money held in banks. The main is that not all the banking sector is facing instability; some banks register good results and have a competitive and stable position on the market. With all these, due to the bad rumours, people lost credibility and loyalty. The created bad reputation of the banking sector should be broken by implementing new and more suitable policies, new strategies oriented towards clients’ satisfaction and realization. The banks’ main mission is to make people to believe in them as usually

EXTERNAL DEBT IMPLICATIONS ON THE DEVELOPMENT OF NATIONAL ECONOMY

Abstract: The external debt of the Republic of Moldova is increasing constantly. Excessive external debt has been a big problem for both developing and developed countries during the years. Developing countries face this problem more often as they need to borrow to finance their objectives and strengthen the economic growth. It is very important for our country to determine the optimal level of indebtedness that the economy can bear. That is why the external debt should be contracted in strict accordance with the needs of the economy, and borrowed loans should consider the country’s reimbursement capacities to avoid the liquidity or solvency crisis. The scope of this paper is to give a prompt and correct overview of the importance of external debt management and its impact on the economic growth of the country. In the research process, the deduction, based on general theoretical information on the structure, management, external debt and indebtedness assessment, the economic influence policies were used and then passed on to practical analysis using specific indicator

THREATS TO MACROECONOMIC STABILITY UNDER THE IMPACT OF INTERNATIONAL CAPITAL MOVEMENT

Abstract: One of the most interesting issues that provoke controversial disputes is the impact of financial flows on the evolution of the states as a whole and economic growth of developing economies. The process of capital movement between countries cannot be stopped and it must be managed efficiently in order to obtain economic benefits and minimize the risks related to macroeconomic stability. The purpose of this study is to identify and analyze the effects of capital inflows on the macroeconomic stability of the Republic of Moldova. The research was based on the following methods: analysis and synthesis, induction and deduction, graphical and tabular methods, methods inherent in economic disciplines – observation, reasoning, comparison, classification, grouping; systemic methods and static analysis. As a result of the research, it is concluded that imprudently regulated capital inflows, in spite of their obvious advantages, could pose a serious threat to macroeconomic stability and external competitiveness, generating overheating of the economy, if their volume exceeds its ability to absorb them. However, the analysis depicts that remittances inflows have positively influenced so far, the economic development of the Republic of Moldov