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The paper refers to the impact of the Basel 2 Agreement on the development of small and medium enterprises (SME). There are presented the methods for estimating the rating (standard, basic inter and advanced rating). It is also presented the experience of some countries like Italy, Germany,...
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In the last decades, the financial instruments developed very quickly, the world economy becoming "a paper economy … opportunities, but also brings new risks. The financial supervisory authorities passed from the regulation and deregulation process … again to the re-regulation process in the intent to insure the stability in the financial markets and a development without …
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