Cercetări financiare și monetare

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Author: search.filters.author.Perciun, RodicaSubject: search.filters.subject.stabilitate financiara

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    Sistemele de avertizare timpurie şi stress-testele – tehnici complementare de estimare a stabilităţii financiare sistemice
    (INCE, 2015) Balan, Mariana; Perciun, Iulia; Perciun, Rodica
    Stabilitatea şi creşterea economică durabilă depinde, în mare măsură, de nivelul de evoluţie a economiei naţionale şi de stabilitatea sistemului financiar naţional. Stabilitatea financiară sistemică reprezintă o componentă esenţială în activitatea autorităţilor monetare, pentru menţinerea şi dezvoltarea continuă a sectorului bancar, considerat principalul responsabil de procesul de alocare eficientă a resurselor în economie. Monitorizarea eficientă este posibilă doar în condiţiile existenţei unor abilităţi de sinteză, analiză şi prognoză pentru interpretarea corectă a consecinţelor evoluţiei negative a unor factori micro- şi macroeconomici ce pot provoca: fluctuaţii nefavorabile ale principalilor indicatori economici, creşterea inflaţiei şi vulnerabilitatea sistemului bancar. Pentru a atinge acest obiectiv, autorităţile menţionate trebuie să posede un şir de tehnici de măsurare a stabilităţii financiare, de aceea, prin cercetare a fost realizată o sinteză succintă despre două tehnici importante pentru estimarea stabilităţii financiare sistemice.
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    Monitorizarea stabilității financiare a Republicii Moldova
    (INCE, 2016) Perciun, Rodica
    În acest articol, prin aplicarea metodei calitative, vom face analiza unor indicatori mai specifici, care caracterizează dezechilibrele, in scopul argumentării științifice a capacității acestora de a reflecta stabilitatea financiară sistemică, precum și identificarea particularităților economiei naționale și în vederea stabilirii valorilor – prag specifice, care pot semnala avertizarea crizei in Republica Moldova.
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    Financial stability management in the Republic of Moldova: achievements and perspectives
    (INCE, 2017) Perciun, Rodica; Diaconasu, Delia-Elena; Iacobuta, Andreea-Oana
    The article represents a research of the main shortcomings in the institutional and regulatory framework related to financial stability as well as the actions taken by the national authorities competent for their liquidation. The research reflected in the article is current due to the events of the autumn of 2014, which subsequently resulted in the liquidation of three commercial banks and a macroeconomic instability that still persists. These phenomena have once again demonstrated that financial stability needs to be ensured and monitored by concrete authorities and with a high degree of independence, responsibility and accountability. The purpose of this paper is to highlight the shortcomings in this field as well as the actions taken by the national authorities to overcome them. The scientific methods used are: system approach, analysis and synthesis, induction and deduction, logical analysis, critical analysis of materials, etc. The main results achieved following the investigations resulted in the analysis of the institutional and normative framework related to the financial stability in the Republic of Moldova in order to liquidate their deficiencies.
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    Sistemele de rating şi indicele agregat de stabilitate financiară – tehnici de măsurare a stabilităţii financiare sistemice
    (INCE, 2015) Perciun, Rodica; Balan, Mariana; Perciun, Iulia
    Sistemele de rating şi indicele agregat de stabilitate financiară reprezintă, alături de sistemele de avertizare timpurie şi de stress-test, metode cantitative prin care se măsoară stabilitatea unui sistem financiar. Fiecare dintre aceste tehnici prezintă avantaje şi dezavantaje legate de capacitatea de a furniza informaţii precise cu privire la nivelul de stabilitate. În articolul dat, vom analiza 2 tehnici de măsurare a stabilităţii financiare sistemice, redând esenţa acestora, semnificaţia, dar şi metodologia de calculare.
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    Presiunea fiscală - un element esenţial în asigurarea stabilităţii financiare a statului
    (IEFS, 2013) Perciun, Rodica; Popa, Viorica
    Fiscal policy is evolving and improving continuously according to the political, economic and social developments in the country. For its part the reorientation of fiscal policy goals causes a number of problems that need to be taken into consideration to avoid distortions in economic development. In order to remove the existing distortions are to be examined the possibilities for transforming the current fiscal policies in an efficient and stabilizing one to stimulate economic processes in Moldova. In this article the authors propose to talk about the role, essence and concept of the tax burden for ensuring the financial stability of the state.
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    Тhe management of financial stability in national strategies
    (INCE, 2017) Perciun, Rodica; Clichici, Dorina
    In this article authors provide an overview of national strategies that directly or indirectly consider the management of financial stability. The actuality of this research topic is based on several factors. Firstly, the depth of the global financial crisis that started in 2007 has shown that financial stability must be ensured and monitored by competent authorities. Secondly, the situation of the national economy has been worsened since 2015, as a result of massive dilapidation of funds and serious violations with regard to preserving the systemic financial stability of the Republic of Moldova. Under the present state the issue of ensuring financial stability becomes more significant and important. The purpose of the research is to analyze and synthesize national strategies which reflect the management of financial stability and to detect the existing gaps. The scientific methods used are the following: systemic approach, analysis and synthesis, induction and deduction, logical analysis, critical analysis, etc. The research has found that the policy of preserving the systemic financial stability is missing from the current national strategies, and there is a huge gap with regard to banking supervision and the objective of ensuring systemic financial stability.
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    2015 summing-up of banking financial sector of the Republic of Moldova
    (INCE, 2016) Perciun, Rodica; Popa, Viorica; Balan, Mariana
    Economic and political uncertainty in recent years has adversely affected the activity of Moldovan banks unfavoring the dynamics of the national economy. The 2015 year can be considered a "rigid" year for the Republic of Moldova, built by the liquidation of three financial institutions at the NBM decision (CB "Unibank" SA, CB "Banca Sociala " SA and BC "Banca de Economii" SA), and the tightening of the monetary policy. That has led to mistrust of the population in this sector, creating problems with bank loans and deteriorating of bank asset. However, commercial banks during 2015 remained sufficiently liquid and capitalized (exceptionis CB "Unibank" SA, CB "Banca Sociala" SA and BC "Banca de Economii" SA). This article aims to research the financial and banking sector from the Republic of Moldova in 2015 in terms of uncertainty. Therefore, the novelty of the article lies in the analysis of the banking sector from the Republic of Moldova under the main financial prudential indicators. The main research methods were: systemic analysis, synthesis, monographic, logic, etc. The main scientific results obtained in the article, as a conclusion of the research are the identification, analysis of the main activity of the banking sector and the proposed set of recommendations on strengthening the financial stability framework in the Republic of Moldova.