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Search Results: 1 - 10 of 1739 matches for " Alin Marius Andrie? "
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THEORIES REGARDING FINANCIAL INTERMEDIATION AND FINANCIAL INTERMEDIARIES – A SURVEY
Alin Marius ANDRIE
Annals of the Stefan cel Mare University of Suceava : Fascicle of the Faculty of Economics and Public Administration , 2009,
Abstract: In this paper we propose to make a presentation of the m ain theories on financial intermediation and financialintermediaries. Modern theory of financial intermediation examine the main functions of financial intermediation, howthe financial intermediation affect the economy as a whole and the effects of gover nment policies on financialintermediaries. We will focus on issues of function of financial intermediaries, such as reduction of transaction costs,liquidity provision, information provision, debt renegotiation.
THEORIES REGARDING THE BANKING ACTIVITY
Alin Marius ANDRIE
Scientific Annals of the Alexandru Ioan Cuza University of Iasi : Economic Sciences Series , 2008,
Abstract: The banking activity is varied and complex and thus it is difficult to define banks. The literature on the field several theories that try to explain the existence of banks in economy were developed. These theories start from certain concepts such as: monitoring commissioning, information processing, liquidity transformation, smoothing of consumption and commitment method. Understanding the role banks have in the financial systems is one of the fundamental themes in economic and financial theory. The efficiency of the process through which economies are channeled into productive activities is crucial for the economic growth and well being. Banks are a part of this process of transfer of the funds from surplus agents towards deficit agents.
A COMPARATIVE ANALYSIS OF PERFORMANCE AND SOUNDNESS INDICATORS OF THE MAIN ROMANIAN BANKS
Alin Marius ANDRIE
Scientific Annals of the Alexandru Ioan Cuza University of Iasi : Economic Sciences Series , 2009,
Abstract: The economic literature grants a great attention to bank performance analysis, expressed in terms of competition, concentration, efficiency, productivity and profitability. The main reason for this special attention is the central role of banks in financial intermediation. The efficiency and competition degree at the level of banks and other financial institution are difficult, if not even impossible to directly observe, because the information regarding the production prices (or of credit rates) are not available. In this paper we analyze the performance and soundness indicators of the main Romanian banks, compared with main banks in the Czech Republic and Hungary.
THE IMPORTANCE OF CAPITAL MARKET IN ECONOMY
Alin Marius Andrie
CES Working Papers , 2009,
Abstract: All participants in capital markets are asking how to finance investments or to invest money available. The answer to these questions depends on the situation you have: deficit or surplus capital. This article addresses issues concerning the place and role of capital market within the financial markets and in financing investments, trying to highlight the growing importance of this subsystem, shown both to economic agents and to all categories of investors.
What Role Have Banks in Financial Crises?
Alin Marius ANDRIES
Review of Economic and Business Studies (REBS) , 2009,
Abstract: Financial crises mainly manifest themselves at the level of financial institutions. Although financial crises can also be generated within non-financial institutions, the role of banking institutions in the occurrence, transmitting and solving of financial crises is a deciding one. Banks play a deciding role in the development of financial crises as financial intermediaries who contribute to the efficient transfer of funds from the abundant agent towards the deficit agents. Banks can facilitate the financial crises through the activities performed on the financial markets that can influence the interest rates, the uncertainty on the market and the price of assets, but moreover bank crises can occur that transform financial crises. This paper aims to analyze the role of banks in the emergence, the propagation, the prevention or solving financial crises.
COMPETITION IN ROMANIAN BANKING SECTOR
Andries Alin Marius,Capraru Bogdan
Annals of the University of Oradea : Economic Science , 2011,
Abstract: Recent turmoil in the global financial system has impacted severely on the banking sector with many banks suffering large losses and necessitating the need to raise additional capital privately or through their respective national governments. In our study we investigate the impact of structural reforms performed throughout the European Union (EU) accession process on competition and contestability of banking systems in Romania. The literature of the measurement of competition can be divided into two major approaches: structural and non-structural. The structural approach to the assessment of competition embraces the Structure-Conduct-Performance Hypothesis (SCP) and the Efficient Structure Hypothesis (ESH). The structural approach, as the name suggests, assesses bank competition by examining measures of market structure such as concentration ratios (the share of assets held by the top 3 or 5 institutions) or indices (e.g., the Herfindhal-Hirschman index) and supposes that higher concentration in the banking market causes less competitive bank conduct and leads to higher bank profitability. The SCP model is originally developed by Bain (1956). The second approach, ESH, developed by Demsetz (1973) and Peltzmann (1977) suggests that the superior performance of the market leaders determines the market structure, implying that higher efficiency produces both higher concentration and greater profitability. The non-structural indicators of competition are mainly based on the measures of monopoly power developed by Lerner (1934). The Lerner Index suggests the mark-up of price over marginal cost. An alternative non-structural indicator of the degree of market competition is the Panzar and Rosse (1987) H-statistic. The H-statistic measures the extent to which changes in banking costs are reflected in changes in banking revenues. In order to examine the level of competition and market power of banks in Romania for period 2003 - 2009, we estimate the non-structural indicators and compare it with the structural indicators of competition. In particular, we measure competition using Lerner index and the H-statistic, indicators what are estimated using bank-level data and are compared with a standard market structure measure of concentration like HHI and CR5. There are no other studies that measure both structural and non-structural competition indicators for Romanian banking sector. Also, our assessment contains a period of seven years including the begging of the implications of the present international financial crises on Romanian banking sector. The structural in
Impact of Financial Liberalization on Banking Sectors Performance from Central and Eastern European Countries
Alin Marius Andries, Bogdan Capraru
PLOS ONE , 2013, DOI: 10.1371/journal.pone.0059686
Abstract: In this paper we analyse the impact of financial liberalization and reforms on the banking performance in 17 countries from CEE for the period 2004–2008 using a two-stage empirical model that involves estimating bank performance in the first stage and assessing its determinants in the second one. From our analysis it results that banks from CEE countries with higher level of liberalization and openness are able to increase cost efficiency and eventually to offer cheaper services to clients. Banks from non-member EU countries are less cost efficient but experienced much higher total productivity growth level, and large sized banks are much more cost efficient than medium and small banks, while small sized banks show the highest growth in terms of productivity.
Collaboration and Virtualization in Large Information Systems Projects
Stefan Ioan NITCHI,Alin MIHAILA,Marius PODEAN
Informatica Economica Journal , 2009,
Abstract: A project is evolving through different phases from idea and conception until the experiments, implementation and maintenance. The globalization, the Internet, the Web and the mobile computing changed many human activities, and in this respect, the realization of the Information System (IS) projects. The projects are growing, the teams are geographically distributed, and the users are heterogeneous. In this respect, the realization of the large Information Technology (IT) projects needs to use collaborative technologies. The distribution of the team, the users' heterogeneity and the project complexity determines the virtualization. This paper is an overview of these aspects for large IT projects. It shortly present a general framework developed by the authors for collaborative systems in general and adapted to collaborative project management. The general considerations are illustrated on the case of a large IT project in which the authors were involved.
Bacterial superantigens and organism physiological status: a theoretical approach
Lucian Hritcu,Alin Ciobica,Marius Stefan
Analele ?tiin?ifice Ale Universit??ii Alexandru Ioan Cuza din Ia?i,Sectiunea II A : Genetica si Biologie Moleculara , 2009,
Abstract: : The present review was undertaken in order to present the bacterial superantigens influences on the organism physiological status. In recent years, a great deal of a new knowledge about a group of microbial proteins known as superantigens has been generated. These molecules have elicited tremendous interest because they interact with the immune system in a nonconventional manner and can potentially trigger diseases such as toxic shock, food poisoning, and autoimmunity. Moreover, evidence from clinical observations, animal models of disease, and studies with cell lines indicate an intimate association between bacteria (and bacterial products) and the pathophysiology of many nervous disorders. In summary, knowing the immunological and biological effects of superantigens will help to discern the mechanism of pathogenesis of a number of diseases linked to microbial infections and will offer new possibilities for the development of novel and effective therapeutic strategies.
Geological and hydrogeochemical research, tools for karst management in the north of the Cara Gorges (Banat Mountains, Romania)
Cristian Mihai Munteanu,Marius Vlaicu,Constantin Marin,Alin Tudorache
Travaux de l'Institut de Speologie Emile Racovitza , 2010,
Abstract: The karst geosystems functioning frequently implies very quick mass and energy transfers, which make them highly sensitive to any natural or anthropogenic disturbance. Therefore, the groundwater resources, threatened by agricultural and industrial pollution, should be carefully exploited, taking into account the intrinsic vulnerability of the region. This paper aims to present the results of the geological, geomorphological and hydrogeochemical studies carried out in the Banat Mountains (Romania), in order to widely assess and map the vulnerability of the most exposed karst aquifers. Following the principles of the EPIK method and using GIS, we were able to delineate upon degree 4 vulnerability classes (low, moderate, high, very high). Moreover, each unit has been assigned to a specific protection framework, comprising suitable management solutions, designed for environmental managers.
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