StatusThe thesis was presented on the 12 November, 2004
Approved by NCAA on the 27 January, 2005
Abstract– 0.40 Mb / in romanian
In the dissertational research the author made an analysis of the functioning of the banking system in the Republic of Moldova. On the basis of that analysis were determined the major problems and were proposed the factors that are the priority direction of the improvement of the banking risks management.
While identifying the problems and formulating in the dissertation the factors of the banking risks management was analyzed the interaction of the three categories of the participants in the financial market of the Republic of Moldova – individuals as major long-term depositors of the commercial banks; commercial banks as a central section of the financial system, and borrowers that are using the credit resources of the commercial banks.
The impact of the risks on the participants of the financial market of the country determines the short-term of the crediting by the commercial banks of the real sector, which is a major force that restrains the development of the economy of the Republic of Moldova. In the purpose of improving the banking system, in the framework of the deposit’s policy the new category – management of the investment risks of the individuals was introduced.
In the dissertation were described the methodological aspects of the banking risks management; were established the features of the functioning of the banking system of the Republic of Moldova; were researched the separate approaches of the credit risks management, of the risks of unbalanced liquidity, of the risks of the implementation of new bank services on the examples of several commercial banks of the Republic of Moldova; was analyzed the economical and legislative basis of the management of the banking risks and was determined the level of their correlation with the economical situation in the country, and there were proposed the major directions of their improvement.
The improvement of the banking system due to the factors of management of the investments
risks of individuals and credit risks of the commercial banks that are proposed in the dissertational
research are aimed to increase the discipline of the participants of the financial market in the
Republic of Moldova. The effective management of the investment risks of the individuals will
allow to attract the long-term deposits from the public to the banking system, and a qualified
management of the credit risks will help to increase the volume and maturity of crediting the real
sector of the economy of the Republic of Moldova by the commercial banks, and that is the priority
direction of the activity of the State.
Under consideration  :