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CHANGING THE PERSPECTIVES OF BANKING – COVID-19 PANDEMIC AND ITS EFFECTS ON THE ROMANIAN BANKING SECTOR 改变银行业的观点——COVID-19大流行及其对罗马尼亚银行业的影响
Pub Date : 2021-12-30 DOI: 10.56043/reveco-2021-0060
D. M. Sitea
In the last decade, the banking system has seen increase and decrease, progress and stagnation, resilience and acceptance, in terms of digital. It is desired to automate a growing number of banking processes and adapt customers to the new digital phenomenon. But what actually happened before and during the COVID-19 pandemic? What was the behaviour of the customers? What about the banks? Looking both from the perspective of customers and banks, this research paper presents a comprehensive scrutiny of the impact that the pandemic had. Firstly, the article refers to the general background of Romania, by comparing the financial reports of the five most profitable banks in the national system and by analyzing the situation of cashless or closing local branches. Likewise, it is pursued the strategy embraced by the banks to deal with the global health crisis. Concerning the credit risk highly encountered in 2020, the paper analyzes how it has become more substantial due to the general circumstances, but also provides an overview of the situation in Romania. Furthermore, digitalization has spread to all areas, as lockdown has limited people’s movement, so their quotidian activities needed to be carried out from home. Consequently, banks have been forced to quickly come up with a solution. In this way, e-banking has entered into a new stage. 2020 marked an unforeseen progress, something that banks dreamed of before. Finally, the paper aims to a blunt attempt into what the pandemic has brought to the Romanian banking system, making certain assumptions for the years leading up.
在过去十年中,银行系统在数字化方面经历了增长和减少,进步和停滞,弹性和接受度。人们希望将越来越多的银行流程自动化,并使客户适应新的数字现象。但在COVID-19大流行之前和期间到底发生了什么?顾客的行为如何?银行呢?从客户和银行的角度出发,本研究报告对疫情的影响进行了全面审视。首先,本文参考了罗马尼亚的一般背景,通过比较全国系统中最赚钱的五家银行的财务报告,并通过分析无现金或关闭当地分支机构的情况。同样,这也是各银行为应对全球卫生危机所采取的战略。关于2020年高度遇到的信用风险,本文分析了由于一般情况而变得更加实质性的原因,同时也概述了罗马尼亚的情况。此外,数字化已蔓延到所有地区,由于封锁限制了人们的行动,因此他们的日常活动需要在家中进行。因此,银行被迫迅速拿出解决方案。这样,电子银行就进入了一个新的阶段。2020年标志着一个不可预见的进步,这是银行以前梦寐以求的。最后,本文旨在直截了当地探讨疫情给罗马尼亚银行体系带来了什么,并对未来几年做出了某些假设。
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引用次数: 0
CORRUPTION AND THE SHADOW ECONOMY - EFFECTS ON A COUNTRY’S ECOMICAL DEVELOPMENT 腐败与影子经济——对一国经济发展的影响
Pub Date : 2021-12-30 DOI: 10.56043/reveco-2021-0048
C. David, D. Dumitrașcu
Corruption and the shadow economy represent an interesting and current topic in the field of business, because they are responsible for important economic and financial loses, for the governments and the economic and social future of one’s country. Therefore, the current paper aims to underline the concepts of corruption and shadow economy, the main types of corruption and how the shadow economy manifests itself in different economical systems as well as some methods of analysing the shadow economy size. We are presenting some interesting results of a secondary data research developed in order to understand the impact of the corruption phenomena on the economical results of certain European countries, as well as assessing the evolution of the Corruption Perception Index in the EU and its impact in the population perception of corruption, combined with pointing out how the shadow economy reduces the value of the GDP, by providing a comparative analysis of different countries.
在商业领域,腐败和影子经济是一个有趣的、当前的话题,因为它们对重要的经济和金融损失、政府和一个国家的经济和社会未来负有责任。因此,本文旨在强调腐败和影子经济的概念、腐败的主要类型、影子经济在不同经济体制中的表现以及分析影子经济规模的一些方法。为了了解腐败现象对某些欧洲国家经济结果的影响,我们将展示一些有趣的二手数据研究结果,并通过对不同国家的比较分析,评估欧盟腐败感知指数的演变及其对民众腐败感知的影响,同时指出影子经济如何降低GDP的价值。
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引用次数: 0
SIGNIFICANTS OF RAWLSIAN PRINCIPLES ASSOCIATED WITH VARIATIONS OF THE ECONOMIC INEQUALITY 与经济不平等变化相关的罗尔斯原则的意义
Pub Date : 2021-12-30 DOI: 10.56043/reveco-2021-0053
Gabriela-Mariana Ionescu
Considering economic inequality as a vulnerability, both in economic and social terms, the paper discusses, with the help of the two Rawlsian principles of difference (negative case - increase in economic inequality, positive case - decrease in economic inequality), nuances of the acceptability or unacceptability of any changes in it. The paper is structured in two sections, the context section, which presents the basic concepts and details of the difference principle in managing the growth of economic inequality, and a discussion section, which examines two aspects: a critical evaluation of the originary difference principle and a new (related) difference principle that can manage, from a social justice perspective, the decline of economic inequality in society. The last part of the paper includes results, conclusions and some future research directions.
将经济不平等视为经济和社会方面的脆弱性,本文借助罗尔斯的两个差异原则(消极情况下-经济不平等增加,积极情况下-经济不平等减少),讨论了任何变化的可接受性或不可接受性的细微差别。本文分为两个部分,上下文部分,其中介绍了管理经济不平等增长的差异原则的基本概念和细节,以及讨论部分,其中检查了两个方面:对原始差异原则和新的(相关)差异原则的批判性评估,可以从社会正义的角度来管理社会中经济不平等的下降。论文的最后一部分包括结果、结论和未来的研究方向。
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引用次数: 0
THE FORECASTING ABILITY OF A MARKET MODEL FOR SHARES ISSUED BY PETROM S.A. 一个市场模型对中国石油公司发行股票的预测能力。
Pub Date : 2021-12-30 DOI: 10.56043/reveco-2021-0057
Laura-Mădălina Iacob (Pîrșcoveanu), Cornelia-Cristina Pirscoveanu
The scope of this paper is to make an empirical analysis regarding the market model introduced by the American economist Wiliam Sharpe (1963), a research developed based on the idea of portfolio simplification. In this paper, we tested the ability to predict a market model for shares issued by Petrom S.A. company. The result shows that the market model can be used to predict the profitability of a security, the forecast errors being insignificant. The results of this paper can help the investors to decide when to invest.
本文的研究范围是对美国经济学家夏普(william Sharpe, 1963)在投资组合简化思想基础上提出的市场模型进行实证分析。在本文中,我们检验了市场模型对Petrom S.A.公司发行的股票的预测能力。结果表明,该市场模型可以用来预测证券的盈利能力,预测误差不显著。本文的研究结果可以帮助投资者决定何时投资。
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引用次数: 0
OBESITY: A NEW PARADIGM OF SUSTAINABLE CONSUMPTION? 肥胖:可持续消费的新范式?
Pub Date : 2021-12-30 DOI: 10.56043/reveco-2021-0052
Andreea Raluca Duguleana, Daniel Mihai Croitoru
The obesity pandemic is a problem of modern society. The aim of the study is to establish an operational conceptualization of human biological needs in terms of obesity and to examine the correlations between obesity and education. Using data provided by WHO between 1975-2016, we measured the evolution of overweight and obesity across 32 countries from Europe. Unsustainable consumption generates for many individuals an unhealthy lifestyle in itself, which requires a paradigm shift in terms of lifestyle. We propose the orientation towards "the pleasure of living", through sustainable consumption and substantiate over this trend.
肥胖症的流行是现代社会的一个问题。这项研究的目的是在肥胖方面建立人类生物需求的可操作概念化,并检查肥胖与教育之间的相关性。利用世界卫生组织1975年至2016年提供的数据,我们测量了欧洲32个国家超重和肥胖的演变情况。不可持续的消费本身给许多人带来了不健康的生活方式,这需要在生活方式方面进行范式转变。我们提出了“生活的乐趣”的定位,通过可持续的消费来实现这一趋势。
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引用次数: 0
EFFICIENCY OF FISCAL REVENUE COLLECTION IN ROMANIA IN THE PERIOD 2010-2019 2010-2019年罗马尼亚财政收入征收效率
Pub Date : 2021-12-30 DOI: 10.56043/reveco-2021-0045
Mariana Luminita COMAN (LINTA), Genifera Claudia Banica
In this article we aim to present the importance of fiscal revenues in the economy of a country, to elaborate an analysis of the performance of tax revenue collection in Romania in 2010-2019, identifying the factors that led to low fiscal revenue collection and the actions necessary in order to lead to increasing the collection of fiscal revenues. We expect to see a decrease in the fiscal revenue collection due to the inefficient administration, excessive bureaucracy and high tax evasion.
在本文中,我们旨在介绍财政收入在一个国家经济中的重要性,详细分析2010-2019年罗马尼亚税收征收的表现,确定导致财政收入低的因素以及增加财政收入征收所需的行动。我们预计,由于行政效率低下、官僚主义盛行和偷税漏税现象严重,财政收入将会减少。
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引用次数: 0
FINANCIAL INCLUSION IN THE REPUBLIC OF MOLDOVA: RECENT IMPACTS AND EVIDENCE 摩尔多瓦共和国的金融包容性:最近的影响和证据
Pub Date : 2021-12-30 DOI: 10.56043/reveco-2021-0061
Olesea Speian
This paper analyses the relationships between remittances and financial inclusion in the Republic of Moldova. Using a dataset are created the linear regression models, that show the interdependency of the level of the remittances and the level of financial inclusion. It is also mentioned that the level of financial education places an important role in using financial services. From the policy perspective, is suggested that the Government has to implement the National Financial Inclusion Strategies in order to elaborate an action plan that takes into account all the ways for increasing the level of financial inclusion.
本文分析了摩尔多瓦共和国汇款与普惠金融之间的关系。使用数据集创建了线性回归模型,该模型显示了汇款水平与金融包容性水平的相互依赖性。报告还提到,金融教育水平在使用金融服务方面发挥着重要作用。从政策角度来看,建议政府实施国家普惠金融战略,以制定一项行动计划,考虑到提高普惠金融水平的所有途径。
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引用次数: 0
“HYBRID COMPANIES”: SEEKING THE “SOCIAL VOCATION” IN THE RESILIENT BUSINESS “混合型公司”:在弹性企业中寻求“社会使命”
Pub Date : 2021-12-30 DOI: 10.56043/reveco-2021-0058
M. Pollifroni, G. Militaru, A. Ioana
The goal of the paper is to offer a review of the current business models, which can jointly highlight a profile, both of adherence to the concepts of “sustainable development” and of resilience to the critical variables (new and systemic), characterizing the present economic crisis also resulting from the pandemic emergency. After a brief historical reconstruction on the concept of “globalization”, the initial part of the paper tries to identify a business paradigm – the “hybrid company” – oriented towards the concept of “sustainable development”. The final part of the study offers a driver identification process of the “resilient company”, closely related to the concept of “business hybrid” (previously declined).
本文件的目的是审查目前的商业模式,这些模式可以共同突出一种概况,即坚持"可持续发展"概念和对关键变量(新的和系统的)的适应能力,这是当前经济危机的特征,也是由流行病紧急情况造成的。在对“全球化”概念进行简要的历史重构之后,本文的第一部分试图确定一种以“可持续发展”概念为导向的商业范式——“混合型公司”。研究的最后一部分提供了一个“弹性公司”的驱动因素识别过程,与“商业混合”的概念密切相关(之前被拒绝)。
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引用次数: 1
A BIBLIOMETRIC ANALYSIS FOR GLOBAL RESEARCH TRENDS ON DIGITAL ECONOMY 全球数字经济研究趋势的文献计量分析
Pub Date : 2021-12-30 DOI: 10.56043/reveco-2021-0063
S. Deaconu, Sorin-Ciprian Teiuşan
Introduced two decades ago, the digital economy concept became a subject of interest for governments and businessmen, politicians and researchers. This paper aims at highlighting the current state of research and trends on digital economy. There is no previous evidence of a global bibliometric analysis on digital economy. Therefore, we conducted a bibliometric analysis on digital economy literature, to identify area of interest and potential for future research. Through this research we aimed to answer the following questions: How many scientific papers on digital economy have been published in journals? What are the most productive journals, countries and authors on the subject of digital economy? What are the most cited papers on digital economy? What are the most frequent keywords in published documents on digital economy? The data used for the research were extracted from the Web of Science database, collections Science Citation Index Expanded, Social Sciences Citation Index, and Emerging Sources Citation Index, and the processing of collected information was done using package biblioshiny for bibliometrix from statistical R software. The results, obtained with the mentioned computer tools, answer the research questions. Research production and publication of documents on digital economy are increasing. As no bibliometric analysis on digital economy has been identified in the Web of Science database, this paper is intended to cover this gap
20年前,数字经济概念被提出,成为政府、商人、政治家和研究人员感兴趣的话题。本文旨在重点介绍数字经济的研究现状和发展趋势。关于数字经济的全球文献计量分析,目前尚无证据。因此,我们对数字经济文献进行了文献计量分析,以确定感兴趣的领域和未来研究的潜力。通过这项研究,我们旨在回答以下问题:关于数字经济的科学论文在期刊上发表了多少篇?在数字经济领域,哪些期刊、国家和作者的研究成果最高?数字经济领域被引用最多的论文有哪些?数字经济相关文献中出现频率最高的关键词是什么?研究数据提取自Web of Science数据库、《Science Citation Index Expanded》、《Social Sciences Citation Index》和《Emerging Sources Citation Index》,使用统计R软件中的打包书目(package biblioshiny for bibliometrix)对收集到的信息进行处理。使用上述计算机工具获得的结果回答了研究问题。关于数字经济的研究、生产和发表的文献越来越多。由于Web of Science数据库中尚未发现有关数字经济的文献计量分析,本文旨在弥补这一空白
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引用次数: 1
ECONOMIC GROWTH AND DEVELOPMENT, PROMOTERS OF NATIONAL WELL-BEING 经济增长和发展,促进国民福祉
Pub Date : 2021-12-30 DOI: 10.56043/reveco-2021-0047
L. Cristea, Alina Daniela Voda, D. Ungureanu
The main objective of economic development and economic growth is to implement national policies that can serve the multidimensional problems of society, but also to assess the possible effects that the implemented policies will have on the prospects of progressivity. The main purpose of this paper is to highlight the fact that the general well-being of the population is perfectly intertwined with the objectives of growth and economic development, being a timely topic to address in this research. Development does not only involve GDP growth, but also exceeds this level, towards a qualitative change in society's plans, which translates into ensuring the well-being of the population. This research aims to highlight the fact that economic development is the expansion beyond the gross domestic product, through changes that refer to people's quality of life, in the long run and in which the elements characteristic of economic growth become fundamental elements of development. In this context, this research will delineate the policies needed to ensure development, in parallel with a growing economic level, considering that not only income-based fiscal policies are needed, but also subjective population-centred policies that take into account, not only economic but also social conditions, which contribute to the quality of life. The methodology was based on the study of specialized literature, so that the research results to end with a comprehensive definition of the well-being of society. Through this qualitative research, this paper adds value to the literature, highlighting the fact that growth and development are promoters of well-being.
经济发展和经济增长的主要目标是执行能够解决社会多方面问题的国家政策,但也要评估执行的政策对累进前景可能产生的影响。本文的主要目的是强调这样一个事实,即人口的总体福祉与增长和经济发展的目标完美地交织在一起,这是本研究中需要解决的一个及时的主题。发展不仅包括国内总产值的增长,而且还要超过这一水平,以实现社会计划的质变,从而转化为确保人民的福利。这项研究的目的是强调这样一个事实,即经济发展是通过涉及人民生活质量的变化,在长期内超越国内生产总值的扩张,在这种情况下,经济增长的特征因素成为发展的基本因素。在这方面,这项研究将说明在经济水平不断提高的同时确保发展所需的政策,考虑到不仅需要以收入为基础的财政政策,而且还需要以主观的以人口为中心的政策,这些政策不仅要考虑到有助于提高生活质量的经济条件,而且还要考虑到社会条件。本研究方法是在专业文献研究的基础上,使研究成果以一个全面的社会幸福定义结束。通过这一定性研究,本文增加了文献的价值,突出了成长和发展是幸福的促进因素。
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引用次数: 0
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Revista economica
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