EVALUATING THE FINANCIER BANKING RISK

Commercial banks that were formed in Romania after the 1989’s are societies based on stocks and have an universal feature meaning they manage all the products and banking services for all the fields and levels of the branches, sectors and segments of the national economy. There are no narrow specialized banks, at least not in this transition period. For example, before World War II the specialization has gone so far in banking sector that there were particularly organized banks only for loans on mortgage.Banking risks represent a source of unexpected expenses, therefore it is compulsory for a bank to have a proper and an adequate management in order to establish the incomes. This paper presents the importance of the awareness upon a strategic role and a good handling of the banking risks both in dealing with traditional products and services, as well as with new and modern ones.banking; commercial; expense; financier; management; risk

SPECIFIC FEATURES OF THE ORGANISATIONAL CULTURE OF THE LOCAL GOVERNMENT

The system of local government is presently undergoing a deep reforming process which aims at objectives of paramount importance, the achievement of which depends, more than ever, on substantial changes brought to the values and behaviour patterns specific of the organisational culture. Therefore the organisational culture is a concept to be more and more present, these days, in the field of concern of institutions active in the public service of the local government of Romania. These organisations and institutions have a lot to recoup when it comes to creating new modern values and organisational routines meeting the European public service standards and to promoting competence, transparency, responsibility and efficiency of the administration system.organisational culture, local government, institutional management, public service

OPEN EDUCATIONAL RESOURCES MANAGEMENT (OERM)

Network communication and Internet have expanded the way in which education can be delivered to the learners of today. Today's networking technologies provide a valuable opportunity to the practice of learning techniques. Educators are discovering that computer networks and multibased educational tools are facilitating learning and enhancing social interaction. Network based telecommunications can offer enormous instructional opportunities, and the educators will need to adapt current lesson plan to incorporate this new medium into all their classes.management, educational resources

Evaluating the financiery banking risk

Commercial banks that were formed in Romania after the 1989’s are societies based on stocks and have an universal feature meaning they manage all the products and banking services for all the fields and levels of the branches, sectors and segments of the national economy. There are no narrow specialized banks, at least not in this transition period. For example, before World War II the specialization has gone so far in banking sector that there were particularly organized banks only for loans on mortgage.Banking risks represent a source of unexpected expenses, therefore it is compulsory for a bank to have a proper and an adequate management in order to establish the incomes. This paper presents the importance of the awareness upon a strategic role and a good handling of the banking risks both in dealing with traditional products and services, as well as with new and modern ones.  

Evaluating the financiery banking risk

Commercial banks that were formed in Romania after the 1989’s are societies based on stocks and have an universal feature meaning they manage all the products and banking services for all the fields and levels of the branches, sectors and segments of the national economy. There are no narrow specialized banks, at least not in this transition period. For example, before World War II the specialization has gone so far in banking sector that there were particularly organized banks only for loans on mortgage. Banking risks represent a source of unexpected expenses, therefore it is compulsory for a bank to have a proper and an adequate management in order to establish the incomes. This paper presents the importance of the awareness upon a strategic role and a good handling of the banking risks both in dealing with traditional products and services, as well as with new and modern ones