Facultatea de Ştiinţe Economice / Faculty of Economic Sciences

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    ROLUL CREDITULUI BANCAR ÎN FINANŢAREA ÎNTREPRINDERILOR AUTOHTONE
    (CEP USM, 2010) Gherjavca, Svetlana
    The capital physically, in the form of means of production, cannot be poured from one branch into others. This process is carried out usually in the form of movement of the monetary capital. Therefore, the credit in market economy is necessary, first of all, as an elastic mechanism of a modulation of the capital from one branch into others and equalizing the rate of return. The credit resolves the contradiction between the necessity of free transition of the capital from one branch of manufacture into others and fixedness of the industrial capital in a certain natural form. It also allows overcoming the limitation of the individual capital. At the same time the credit is necessary for continuity maintenance of the circulation of funds of the operating enterprises, service of the realization process of the industrial goods, especially important in the conditions of formation of market relations.
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    ABORDĂRI TEORETICE MODERNE ALE GESTIUNII CALITĂŢII PORTOFOLIULUI DE CREDITE AL BĂNCII COMERCIALE
    (CEP USM, 2016) Lisniic, Victoria
    Prin gestiunea calităţii portofoliului de credite se înţelege realizarea în totalitate a deciziilor financiar-economice orientate spre obţinerea unui raport optim dintre indicatorii de performanţă a portofoliului de credite. În cazul în care volumul creditelor de calitate joasă creşte,se reduce volumul activelor productive şi, repsectiv, se reduce profitabilitatea activităţii de creditare a băncii. În caz de extremă o astfel de situaţie poate conduce la falimentul băncii. La etapa actuală ,evaluarea calităţii portofoliului de credite bancare devine o parte componentă importantă a managementului bancar.