Browsing by Author "Filip, Angela"

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    Problemele actuale ale gestiunii calității produselor bancare
    (INCE, 2022) Luchian, Ivan; Filip, Angela
    The notion of quality of a product expressed by its ability to satisfy a certain consumer’s need seems to be extremely explored in the specialized literature. But the current reality tends to introduce essential changes both in the conceptual bases of this notion, as well as quality management technologies by banking service providers, which determines the topicality of performed research. Within the study were studied publications from different sources regarding new development trends of banking marketing, as well as normative acts of international and national level in the banking field. The purpose of this paper is to present the current summary of quality management issue of banking products. As a result of research, first of all, it can be presented a certain confrontation of new marketing concepts in the field of quality management of banking services with new prudential regulations of banking activity. Modern marketing reviews the attitude of banking service provider through the prism of quality management system, customer relations management system and unwanted customer concept. On the other hand, prudential regulations is oriented in four directions: maintaining healthy financial situation of banking institution, compliance with customer standards in order to prevent money laundering and terrorist financing, technological regulations, respecting consumers' rights on banking market. Both areas contain important contradictions. Modern banking management has the task to generate constructive solutions for the issue of forming, maintaining and developing the relations of banking institutions with their customers. Noțiunea de calitate a unui produs exprimată prin capacitatea sa de a satisface o anumită nevoie a consumatorului pare a fi extrem de explorată în literatura de specialitate. Dar realitatea actuală tinde să introducă schimbări esențiale atât în bazele conceptuale ale acestei noțiuni, cât și în tehnologiile de management al calității de către furnizorii de servicii bancare, care determină actualitatea cercetărilor efectuate. În cadrul studiului au fost studiate publicațiile din diferite surse privind noile tendințe de dezvoltare a marketingului bancar, precum și actele normative la nivel internațional și național în domeniul bancar. Scopul lucrării este de a prezenta rezumatul actual al problemei managementului calității produselor bancare. În urma cercetării, în primul rând, se poate prezenta o anumită confruntare a noilor concepte de marketing în domeniul managementului calității serviciilor bancare cu noile reglementări prudențiale ale activității bancare. Marketingul modern revizuiește atitudinea prestatorului de servicii bancare prin prisma sistemului de management al calității, al sistemului de management al relațiilor cu clienții și al conceptului de client nedorit. Pe de altă parte, reglementările prudențiale sunt orientate în patru direcții: menținerea unei situații financiare sănătoase a instituției bancare, respectarea normelor clienților pentru a preveni spălarea banilor și finanțarea terorismului, reglementările tehnologice, respectarea drepturilor consumatorilor pe piața bancară. Ambele domenii conțin contradicții importante. Managementul bancar modern are sarcina de a genera soluții constructive pentru problema formării, menținerii și dezvoltării relațiilor instituțiilor bancare cu clienții lor.
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    Tendințele actuale ale activitatii investitionale în Republica Moldova
    (INCE, 2022) Luchian, Ivan; Filip, Angela
    At the moment, the investment process in the Republic of Moldova is taking place under the conditions of an unfavorable market situation both at the international and national level. The main purpose of the study was to determine the basic trends of the development of the investment process in the Republic of Moldova. For this, official databases and reports of authorized public institutions were examined. In the same way, the opinions of experts in the given field were studied. The study was conducted on the basic aspects of investment activity: investment in fixed assets, foreign investment, capital market investment opportunities, and investment in free economic zones. During the pandemic crisis, the investment activity in the Republic of Moldova decreased, and currently an important relaunch of the investment activity and a continuation of the attraction of foreign investments can be observed. But until now, an important problem remains the qualitative orientation of the investment activity; the placements in the country's productive sectors remain at an insufficient level. The capital market in the Republic of Moldova continues to have an underdeveloped character. In addition to this, under the conditions of the crisis, its development continued, with the main segment remaining the state securities market. One of the elements of the investment policy of the Republic of Moldova is to ensure the continuity and development of the activity of free economic zones, the liquidation of which is foreseen by the Association Agreement between the European Union and the Republic of Moldova.