Facultatea de Ştiinţe Economice / Faculty of Economic Sciences

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    PARTICULARITĂȚILE EVIDENȚEI ȘI AUDITULUI SISTEMELOR ELECTRONICE PRIVIND TRANSFERURILE BANCARE DE RESURSE
    (CEP USM, 2022) Ştahovschi, Ada; Doncean, Marilena
    International cooperation, population mobility and ensuring the activity of international economic agents have highlighted the need to transmit information at the international level. Due to the implementation of electronic technologies, all step-by-step operations become computerized and banks only need to purchase these software programs to create the infrastructure and train staff after which electronic systems will be introduced in most of the bank's services and products. Accumulation of funds for the bank itself is an activity that involves expenses, when transferring them can be obtained in higher volumes. With the help of an electronic payment system it is quite possible to offer banking services, which in the current conditions would provide an additional and secure flow of income.
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    THE ANALYSIS OF THE DYNAMIC EVOLUTION OF REMITTANCES IN MOLDOVA AND ITS ROLE IN FORMATION OF MONEY SUPPLY
    (CEP USM, 2016) Nirean, Elena; Corețchi, Boris
    Remittances are one of the most studied aspects of migration in Moldova and have an important role in boosting domestic demand, but their high level and low investments are factors that determine a high degree of vulnerability of the economy. The current reduction in remittances in terms of investment failure will immediately affect consumption and GDP growth, which already is observed. Moreover, remittances lead to currency depreciation, conditioning more expensive exports from Moldova. The first signs of decreasing remit tances have led to currency depreciation. So remittances influence monetary policy as a result of growth of money supply, increased demand and intensifying inflationary risks. The national economy remains dependent on remittances from citizens working abr oad and this dependence starts to wear on an even more alarming feature because remittances volume is declining due to the effects of regional-economic and financial crisis. This means that the national economy is facing major problems and to solve them is necessary to lead urgent and sustainable measures.