The higher energy consumption, the increasing of the price for primary energy sources and the continuous worldwide debates for carbon emission in the atmosphere determined the reorientation to energy production from renewable sources (biomass, solar energy, wind, hydro, geothermal etc). Taking...

Every economical field is subjected to different ways of eluding the reality. In technical words this fact is known as fraud. The specialists of the insurance market define Insurance fraud as intentional misrepresentation of material facts and circumstances to an insurance company to obtain...

The purpose of this paper is to demonstrate how negative and unpleasant for insured persons is the total losses in case of vehicles’ insurance. Vehicle insurance is the most used insurance product in Romania. The insurance contracts for this type of insurance enhance different aspects. These...

Statistics from the China National Tourism Administration show that China's inbound tourism declined overall in January this year due to the global financial crisis. It is understood that affected by the global economic depression, China's inbound, outbound and domestic travel markets are all in...

Nowadays worldwide is exposed to terrorism risk. The attacks from September 11th 2001, the incidents from Madrid and London have shown us that even if one have a performant security sistems and preventention measures in place, terrorism risks can not be entirely eliminated. Worldwide economy is...

Most countries in the world are suffering from natural disasters caused by floods, earthquake, tornado and even tsunami. The developed countries have efficient techniques of covering such tragic events, but also the damages and losses are huge. A delicate problem appears when the catastrophes...

Every insurance market develops itself and sells insurance products using different strategies and distribution channels. The main role in selling insurance policies is granted to insurance brokers. In this paper we will analyze the struggling phenomenon of insurance brokerage industry in...

Internet use grew faster than any other technology in the last few years and it has a powerful impact on international commerce development. New opportunities appear for small and medium companies which use the internet to make commerce across the borders. Citizens save their time and money...

The importance and increasing role of Internet in nowadays business area are officially recognized. No matter the industry a company is operating in, the distribution channels include direct sales through Internet. Following this idea, also the insurance companies decided to sell their insurance...

The purpose of this paper is to show how important leasing is for companies and individual persons. We will analyze the leasing market, the auto market (because a great part of the leasing financing is for new vehicles) and present some real cases. Because every leasing contract involves an...