Stochastic Dynamic Model on the Consumption – Saving Decision for Adjusting Products and Services Supply According with Consumers' Attainability

The recent crisis and turbulences have significantly changed the consumers’ behavior, especially through its access possibility and satisfaction, but also the new dynamic flexible adjustment of the supply of goods and services. The access possibility and consumer satisfaction should be analyzed in a broader context of corporate responsibility, including financial institutions. This contribution gives an answer to the current situation in Romania as an emerging country, strongly affected by the global crisis. Empowering producers and harmonize their interests with the interests of consumers really require a significant revision of the quantitative models used to study long-term consumption-saving behavior, with a new model, adapted to the current conditions in Romania in the post-crisis context.