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Search Results: 1 - 10 of 499 matches for " Adela Socol "
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Characteristics of Managing Operational Banking Risk
Leonardo Badea,Adela Socol
Theoretical and Applied Economics , 2008,
Abstract: The objective of this paper is to provide a global perspective of the operational risk from a banking societies’ viewpoint. We describe the main regulations and settlements in the field and examine the various approaches of the operational banking risk. The paper presents the need of banks to managing operational risk. We study comparatively for a banking society the capital charge for covering the operational risk under the basic indicator approach and under the standardized approach. We present a case study of implementing current capital requirements at the level of a Romanian banking society. From the theoretical approach and from the description of quantifying of operational banking risk, the results of this study insist on the importance of measuring of operational banking risk and identifies major issues that need to be considered to improve the managing operational banking risk.
STUDY OF CORRELATION BETWEEN AVERAGE INTEREST RATE AND NON-PERFORMING LOANS IN THE ROMANIAN BANKING SYSTEM DURING 2006- FEBRUARY 2010
Socol Adela,Iuga Iulia
Annals of the University of Oradea : Economic Science , 2010,
Abstract: This paper aims to examine the correlation between average interest rate and non-performing loans in the Romanian banking system during 2006-February 2010. We based our approach on the Pearson correlation coefficient and we realized an empirical study, which demonstrates how these relevant banking elements are connected. Also, the result of this research suggests that there are other indirect channels which affect the non-performing loans.
MEASURING MODEL FOR BAD LOANS IN BANKS. THE DEFAULT PROBABILITY MODEL.
IUGA IULIA,SOCOL ADELA
Annals of the University of Oradea : Economic Science , 2010,
Abstract: The banking sectors of the transition countries have progressed remarkably in the last 20 years. In fact, banking in most transition countries has largely shaken off the traumas of the transition eraAt the start of the 21st century banks in these countries look very much like banks elsewhere. That is, they are by no means problem free but they are struggling with the same issues as banks in other emerging market countries during the financial crises conditions. The institutional environment differs considerably among the countries. The goal we set with this article is to examine in terms of methodology the most important assessment criteria of a measuring model for bad loans.
OPERATIONAL ASSETS BOOKKEEPING IN CREDIT INSTITUTIONS
Zaharia (Chiru) Rodica,Socol Adela
Annals of the University of Oradea : Economic Science , 2010,
Abstract: Through this work I wanted to present the structure and the emphasis on the key accounts operations on operating assets, mentioning that only the most important accounts or those by which accounting operations may be more widespread have been given. Operational assets are those parts of balance with which the credit institution normally operates and by which, along with the operating liabilities, the basic credit institution activity is accomplished. Operational assets are revenue-generating operations in the credit institutions, with their help the bank resources are used in different interest-bearing assets to maximize the profit and to reduce the risk margin, mainly aimed at reducing losses. By both the theoretical approach and by describing the aspects of the operating assets, the survey presents with particular importance of these revenue-generating operations in the credit institutions, and identifies major issues to be taken into account by the credit institution in order to use various resources interest-bearing assets to optimize profit margins and to reduce risk, having as main objective to reduce losses.
AN ANALYSIS OF THE SEPA CARDS FRAMEWORK (SINGLE EURO PAYMENTS AREA) ADOPTION IN ROMANIA
Socol Adela,Briciu Sorin,Iuga Iulia
Annals of the University of Oradea : Economic Science , 2009,
Abstract: The study examines the actual status and the future application of Single Euro Payments Area SEPA Cards Framework, based on Romanian experience. The paper highlights the fact that there is no national card scheme in Romania and that the local cards market
Adopting the Euro: Costs or Benefits?
Cristian Socol,Aura Socol
Theoretical and Applied Economics , 2007,
Abstract: This paper evaluates the present estate of euro implementation in Monetary and Economic Union (EMU). The Romanian admittance in EU at January 2007 increases interest to study the transmission and coordination mechanisms, related to mix common monetary policy - different fiscal policy across the countries in the euro area. Our study focuses on Euro Zone using the Optimum Currency Area Theory and empirical evidences. The controversies beetwen economists regarding the construction process of EMU remain large. The paper evaluates the costs and benefits of adopting the euro and the main effects of Romanian integration in European Monetary Union. What are the consequences of implementing the "tye hands" strategy for Romanian financial authorities? Can Romania solve the potential conflict between real and nominal convergence relating the European integration? What is the best strategy for Romania with the aim to obtain a faster real convergence with the European Union countries? Can Romania maximize the benefits to adopting euro in 2014? Is the European Union a Optimum Currency Area?
The European Model: Economic Growth, Convergence and Cohesion
Cristian Socol,Aura Socol
Theoretical and Applied Economics , 2006,
Abstract: The european model is confronted with a potential crise. Economic convergence concerns the gaps in living standards between countries: are they closing or widening, and at what speed? Are relatively poor economies to remain poor for many generations? Are the rich countries of next century to be the same as relatively rich countries of nowadays? Is the degree of income inequality across economies increasing or falling over time? Posing these questions, motivating convergence debate, immediately raises the problem of the variable/variables that need to be considered. In our study, prior to providing answers to these questions, basic definitions concerning convergence in European model are followed by an overview of specific features, achievements and hurdles countries have had to overcome on their way from centrally planned towards market economy. After that, a summary of Solow-Swan model of economic growth is offered. Concept of convergence emerges here as a natural implication of the model. The distinctions between Solow-Swan model and endogenous growth model are stated. Finally, some measures of macroeconomic policy for sustainable growth are presented and interpreted in connection with real macroeconomic situation of the Romanian economy.
RECENT APPROACHES IN THE OPTIMUM CURRENCY AREAS THEORY
AURA SOCOL,CRISTIAN SOCOL
Challenges of the Knowledge Society , 2011,
Abstract: This study is dealing with the endogenous characteristic of the OCA criteria, starting from the idea that a higherconformity of the business cycles will result in a better timing of the economic cycles and, thus, in getting closerto the quality of an optimum currency area. Thus, if the classical theory is focused on a static approach of theproblem, the new theories assert that these conditions are dynamic, and they cannot be positively affected evenby the establishment of the Economic and Monetary Union. The consequences are overwhelming, as theendogenous approach shows that a monetary union can be achieved even if all the conditions mentioned inMundell’s optimum currency areas theory are not met, showing that some of them may also be met subsequentto the unification. Thus, a country joining a monetary union, althogh it does not meet the criteria for an optimumcurrency area, will ex post lead to the increase of the integration and business cycle correlation degree.
Proposal for the implementation of a fiscal rule system for Romania. Estimate for the reaction of the fiscal rule system to the output’s shocks
Cristian SOCOL
Theoretical and Applied Economics , 2012,
Abstract: This paper provides arguments for the need to improve the fiscal rule proposed by the European Commission within the Fiscal Compact, considering the implementation of an augmented growth-based balance rule optimum for Romania. The first part of the paper presents the proposal for the implementation of an integrated system of fiscal rules in Romania. In the second part of this paper, we can find simulations for the reaction of the fiscal rule system proposed for the shocks occurring in the economic growth, these estimates being made by the help of the specialists from the National Forecast Commission
Quantitative vs. Qualitative in the Romanian Fiscal Adjustment
Cristian SOCOL
Theoretical and Applied Economics , 2012,
Abstract: As it encountered a fiscal event (budget liquidity crisis) in 2009, Romania should have proceeded to one of the most ambitious fiscal correction in the last 30 years in EU. Nevertheless, the absence of vision regarding the increase in quality of the fiscal adjustment is obvious. The fiscal correction made until now has rather been a quantitative one, falling within certain strictly numerical targets. In this paper, we present a series of signals arguing for the necessity to increase the fiscal quality. Moreover, we propose a few immunization mechanisms of the Romanian economy against the contagion of the current uncertainty in the Euro area or against the future crises.
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