Facultatea de Ştiinţe Economice / Faculty of Economic Sciences
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Item TENDINŢE CONTEMPORANE ÎN DEZVOLTAREA DECONTĂRILOR BANCARE ÎN REPUBLICA MOLDOVA(CEP USM, 2012) Ştefaniuc, OlgaThe effective settlement and payment systems that allow to establish transactions in a safe way and in due time,represent a determinative factor for monetary and financial stability of any country. That is why the central bank is responsible for the function of licensing and supervision of important payment systems, in order to protect the financial system of a country from the treat of destabilization, due to failures of payment and settlement systems. Through compliance with its obligations registered systems, the central bank aspires to protect the monetary and financial systems from possible hazards, as a consequence of a failure of any payment system. As it is noticed in the document of International Settlements Banks, the observation of payment and settlement systems is the function of the central bank. At the same time, the reliability and efficiency purposes are achieved by the monitoring of existing and planned systems, its rates in corresponding to these purposes, and if necessary, changes' initiation.Item МЕТОДЫ ПОВЫШЕНИЯ ЭФФЕКТИВНОСТИ КРЕДИТОВАНИЯ ФИЗИЧЕСКИХ ЛИЦ КОММЕРЧЕСКИМИ БАНКАМИ МОЛДОВЫ(CEP USM, 2009) Штефанюк, ОльгаÎn prezent, băncile comerciale ale Republicii Moldova îşi dezvoltă foarte activ serviciile pe piaţa retail. Însă, succesul pe piaţa aleasă depinde de organizarea corectă a procesului de creditare a persoanelor fizice.Item PROCESUL DECIZIONAL ÎN ACTIVITATEA BĂNCII COMERCIALE(CEP USM, 2009) Enicov, Igor; Bunescu, Gheorghe; Radomscaia, OxanaLe processus décisionnel d’une entreprise représente l’ensemble des décisions adoptées et implémentées dans son activité et structurées selon les objectifs et l’hiérarchie manageriale. Dans le cadre de ce processus chaque étape de la prise d’une décision constitue elle-même un processus décisionnel compliqué. L’activité de prise de décision dans la banque commerciale est basée sur un algorithme rationnel de sélection qui implique quelques étapes. Lors de l’apparition d’une tâche nouvelle s’impose la nécessite de parcourir toutes les étapes du processus décisionnel. La totalité des documents normatifs et régulatoires internes crée le système de documentation interne. Les lacunes dans ce système de documentation soumettent la banque au risque opérationnel excessif, c’est pourquoi sa gestion et sa structuration correcte constituent des priorités décisives pour la banque commerciale.Item MODELAREA ACTIVITĂŢII BĂNCII COMERCIALE PRIN REŢELE PETRI HIBRIDE TEMPORIZATE(CEP USM, 2007) Enicov, Igor; Guțuleac, EmilianDans l’article ci-dessous est présentée la possibilité de modélisation de l’activité bancaire par les Réseaux Pétri Hybrides Temporisés. Le contenu de l’article est axé sur une brève présentation de l’extension des Réseaux Pétri, qui peuvent être utilisés à la modélisation, la vérification et à l’évaluation des caractéristiques numériques de performance de la banque commerciale.Item PRINCIPII DE MODELARE A RISCULUI BĂNCII COMERCIALE(CEP USM, 2007) Enicov, IgorIn the present article, the author has analyzed the risk from the point of view of its interpretations. Thus, at the moment, due to the necessity of the determination of risk factors and the possible influences over the studied event, each economic agent applies research projects and risk administration. The subject matter discussed, is very important for the commercial banks, and has as the major aim to attract and distribute financial resources which assumes an amount of risks. The author describes some principles of commercial banks’ risks shaping, in order to correlate the incomings and out comings bank flows, the time limits of pulling and repayment of the financial resources, and others.