Attestation committee
Accreditation committee
Expert committee
Dispositions, instructions
Normative acts
Scientific councils
Scientific advisers
Doctoral students
Postdoctoral students
CNAA logo

 română | русский | english

CNAA / Theses / 2007 / May /

Theory and Practice of Economic Units Assessment under Actual Banking Requirements

Author: Natalia Băncilă
Degree:doctor habilitat of economics
Speciality: 08.00.10 - Finance; Monetary Economics; Credit
Scientific consultant: Anatol Caraganciu
doctor habilitat, professor, Academy of Economic Studies of Moldova
Scientific council:


The thesis was presented on the 19 May, 2007
Approved by NCAA on the 20 September, 2007


Adobe PDF document0.67 Mb / in romanian


CZU 336.71:334.7 ( 043.2)

Adobe PDF document 1.62 Mb / in romanian
302 pages


Value, appraisal, standards, credit policy, evaluation methods, credit mechanism, share capital, credit, evaluator, economic agent, real estate market, market of evaluation services, estimation, depreciated cost, cash flow, credit risk, credit portfolio, commercial bank assets, bank management, evaluation process, evaluation activity, investment capital, net assets.


The aim and mission of this thesis is determined by the necessity of research and development of theoretical, practica land methodological aspects of assessments in banking activity, in the view of permanent improvement and enlarging the area of application.

For these reasons, the notion of assessment was developed and studied thoroughly, the principles and fundamentals of assessment were categorized. Along with this, were studied the organizational environment of assessment, national and international experience as to developing and utilizing assessment standards and possibilities of their adjusting to economic conditions of the Republic of Moldova.

In this thesis was established the place and designated the role of the assessment process of economic units in the activity of commercial banks and the impact of crediting policy on them.

The paper deals with the problem of correct utilization of assessment methods in the process of determining the value of guarantees. Such problems as: creditworthiness of agents , for financial reporting, selecting financial indicators for the model of function „scor” for determining the risk of bankruptcy, the risk of creating and for working out the system-diagnostic expert of financial situation of an enterprise were high-lighted. This paper was aimed on researching the assessments and crediting activity of commercial banks in the Republic of Moldova.

Practical value of this paper is ascertained by conclusions, proposals, methodical recommendations and an expert system that can be applied to developing assessment activity in banking system of Moldova, in the branches of national economy, in didactic courses of teaching in economic high schools and assessment organizations.