Author: Anca Mitu

Introduction. In a time full of financial convulsions with deep repercussions on the world wide economies, crediting is one of the easiest and serious options in finding alternative solutions for economic recovery. Using Crediting as a tool for economic recovery must be supported by all decision-factors, but not in any circumstances. The perspective of economic development in the European Union also requires the observance of medium and long-term desiderates such as coagulated ones in the concept of sustainable development.

Aim of the study. This paper aims to highlight that the way in which crediting derives and its effects on sustainable development represents one of the followed ways in any market economy in order to obtain the desired effects, not only economic, but also social and environmental.
Keywords: development, credits, regulating, surveillance, financial market.

Introduction.Management of financial policies is a public issue and important to public policies in general and for the financial field in particular. Managing information which compose the sets of financial policies and the information generated by the application in reality of financial policies is an important component of management in the financial sector. The design of specific procedures on sub-domains of the financial sector is influenced by the level of optimization of strategic decisions in the financial field. The combination of direct control measures, regulations, from top to bottom with indirect measures influencing financial environment and the behaviour of those targeted in their quality of taxpayers or consumers is necessary but insufficient to ensure the operation of financial mechanisms.

Aim of the study. The article aims to make a brief analysis of the fact that to ensure proper functionality of the budgetary and monetary mechanisms such decisional measures require a scientific substantiation in the context of interdependence of our economy and society to the European Community.
Keywords: information, financial policy, monetary policy, budgetary execution, budget fund, financial crisis
JEL Classification: E5, E6, H6

Introduction. After the collapse of communism, Central and Eastern European countries experienced fundamental macroeconomic reforms aimed at moving from centralized to market-centered economy, where privatization of state-owned credit institutions with foreign capital has had an important role. Since the early 1990s, banks with majority or part foreign capital, as well as branches of foreign banks, have penetrated the banking markets of the countries in transition into a market economy, becoming major players as a result of financial globalization. By imposing on the banking markets of countries in transition to a market economy, foreign-owned banks have come to hold up to 90 percent in some countries in the banking market.

Aim of the study. The paper analyzes the benefits and costs of the presence of banks with a majority or part foreign capital and branches of foreign banks in Central and Eastern European countries – Poland, Hungary, Croatia, Bulgaria and Romania, with the theoretical arguments of recent researches and empirical evidence quantified in official reports.
Keywords: foreign banks, bank assets, asset profitability, capital profitability
JEL Classification: G20, F3