Browsing by Author "Tudose, Maricica"

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    FINANCIAL EDUCATION, STRATEGIC ACTIVITY IN THE DEVELOPMENT OF THE LIFE INSURANCE INDUSTRY
    (Print-Caro, 2023-03-15) Tudose, Maricica
    The notion of financial education should be implemented as a strategic activity at the level of each country, given that “a low level of financial education is one of the main barriers to a country’s economic development”. Considering that both Romania and the Republic of Moldova occupy unfavorable places in the ranking regarding financial inclusion, financial intermediation and financial education level, we can say that a fierce need for financial education at the level of each country is necessary. If we relate internationally, the level of financial education relates to one in three people and in Western Europe we meet the most financially educated people, an aspect highlighted in the well-being of economic life in these countries. The efforts of the insurance industry, in addition to the other financial markets, to increase the degree of financial education are permanent actions and require countless campaigns, courses and projects in this regard, on various topics such as car insurance, life and health insurance, housing insurance, etc. In other words, for a sustainable financial education, a path of continuous and sustainable action is needed.
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    LEGAL FEATURES OF CONTRACTS CONCLUDED BY ELECTRONIC MEANS
    (CEP USM, 2024-11-07) Tudose, Maricica
    Electronic commercial transactions have been particularly widespread in the business environment, which has led to an acceleration in the widespread adoption of computers, making them indispensable tools in all commercial operations. Concomitantly with the evolution of electronic transactions, the Internet has also marked a scale of evolution, without which, economic agents would not have been able to develop this industry of trading by electronic means. However, the effective implementation of these technological tools has also encountered legislative barriers and ambiguity regarding the legal recognition of electronic transactions. In this respect, a reconsideration of the legal framework has been necessary to ensure a smooth integration of new technologies into commercial practices and to strengthen confidence in their legal effects. In relation to the conclusion of a contract by electronic means, it can be defined as “an agreement of wills between two or more persons to create, modify or terminate a legal relationship, expressed in electronic form”, capturing “on the one hand, the proximate genus, represented by the contract as an agreement to create, modify or terminate a legal relationship, and on the other hand, the specific difference, a difference which consists in the (electronic) form of expression of the concordant wills”. The scope of contracts in electronic form is limited to those contracts materialized in the form of documents in electronic form. All other situations in which the will of a contracting party is expressed by means of an electronic data-processing tool are covered by electronic commerce.