Cercetări financiare și monetare

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    Instrumente noi pentru asigurarea securiății
    (Artifex, 2019) Perciun, Rodica; Turetchi, Tatiana
    Financial crises have far-reaching negative effects on the national economies of the countries where they occur, more than that, due to the increasing interdependencies caused by the globalization process, they even tend to contaminate other economies, thus affecting the financial security at global level. For these reasons, the efforts of the national banking supervisory authorities have been supplemented in an increasingly pronounced way in recent years by actions to improve the regulatory framework of the international banking activity. In this article, the author sets out his own vision regarding the new tools that will ensure the financial security of the state.
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    SMEs lending in conditions of crisis in banking system
    (”Independenţa Economică”, 2016) Panfil, Cristina; Iliadi, Gheorghe
    Small and Medium Enterprises have a particularly important role, as it influences on solving economic, social, technical- scientific problems and many others. Development of SMEs sector leads to prosperity increase, living standards rise and growth of competitiveness - which are significant matters for both developing and industrialized countries.Restraints with SMEs lending will strain economic path. In case of exaggerate restraints, SMEs which have at the sole of their activities credits will be in trouble, as the interest rates are high, it is difficult to contract loans and it is tough to keep up with the loan reimbursement schedule. For banks lending to SMES is a consistent and weighty source of business activity. They make double effort to keep crediting at the same level during crisis. Therefore, banking sector is also interested in reducing the negative influence of base rate rise and other banking regulations regarding crediting that have bad influence. As a rule these regulations have a tendency to tighten the lending activity, as crediting terms are tougher. The goal of this paper is to analyse all the problems SMEs face during contracting credits and to give possible ways for an efficient entrepreneurship growth.
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    Speculative bubbles and financial crises
    (,,Victor Slăvescu” Centre For Financial And Monetary Research, 2014) Feteniuc, Valentina; Luchian, Ivan; Gherbovet, Sergiu
    The speculative bubble can be defined as the trade in high volumes at prices that are considerably at variance with intrinsic values of certain assets. The burst of speculative bubble can cause financial crisis in specific form created by situation of investment process dysfunction, when investors looking for investment refuges and refuse usual investment opportunities. This phenomenon can be a substantial basis of liquidity crisis and general financial crisis. Therefore is very important for regulation authorities to take in to account the possibility of this type of crisis to elaborate specific measures to prevent and reduce the consequences.
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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.