The credit risk is one of the most dangerous category of banking risks because it covers a wide range of products and services. In the last years we were the witnesses to an intensification of the negative impact of this kind of risk at the international level. In the transition economies, the...

Nowadays, the importance of the SME field becomes more and more a real basis for establishing and developing a modern, dynamic knowledge�based economy. The experience of the European Union clearly demonstrates that the SME sector can make a substantial contribution to Gross Domestic...