From all the risks which can affect a bank, many authors consider that one of the most important is the credit risk. This risk of default of loans granted, when not properly managed, can affect the activity of commercial banks. Credit risk presents related features to the customer activity and...

Managers take decisions which, by their application, can generate effects and consequences on their members, on the organization and on society. Ethical standards can lead to benefits for different managers, depending on their attitude towards them. Ethical standards are active filters, which...

The main instruments of the market open to the general public are the producers with their markets and their products, the distributors with their companies and their stores and the consumers that buy the products. We can state, with few exceptions, that the instruments of this market are used...

The energy agenda of the European Union, developed by the European Commission, is based on three pillars – creating a competitive European energy market, creating a sustainable energy market and assuring energy safety. These three pillars represent the foundation on which the European Union is...

Market communication is, of course, a substantial part of the marketing function. Communication is also such as sales, advertising, and sales promotion. Communication is also an integral part of the Interactive Marketing Function. What employees say, how they say it, how they behave, how service...

Local administrations are searching for new ways to efficiently deliver services and to develop and maintain the infrastructure that allows economic development. Increasingly, they are turning to public-private partnerships to do so. PPPs covers a wide range of partnerships arrangements, such...

The Global Competitiveness Report, the State of Responsible Competitiveness and the Global Corruption Barometer elaborate annually a countries ranking that emphasize the progress or regress of each country. Using this reports the paper try to make a clusters analysis of world country by...

When saying “tourism” people use to think at good times, at leisure, lake of work. Is “tourism” just a way of spending free time? I doubt. Because the main economic sector in the world economy is desalinated for rich peoples, rich countries. It seams hopeless to discuss the tourism...

Information and Communication Technologies (ICTs) continue to be a major driver of economic and social modernization. Europe is among the world leaders in the development of the digital economy, but there are few problems, like e-inclusion and e-accessibility. Digital convergence is now a...

The problem of population as we are used to call it belongs to different areas of interest for scientists of different fields for quite some time. The never ending growth of population has turned global. Threats generated by the population's evolution for economic, social or eco systems can be...