Professional Documents
Culture Documents
1. Componentele, structura i
caracteristicile sistemului bancar
2 Funciile Bancilor Centrale
3. Bncile comerciale rol, funcii,
operaiuni
The combination of the instability of banks as well as their important facilitating role in the
economy led to banking being thoroughly regulated. The amount of capital a bank is required to
hold is a function of the amount and quality of its assets. Major banks are subject to the Basel
Capital Accord promulgated by the Bank for International Settlements. In addition, banks are
usually required to purchase deposit insurance to make sure smaller investors are not wiped out
in the event of a bank failure.
Commercial bank, is the term used for a normal bank to distinguish it from an investment bank.
Investment banks "underwrite" (guarantee the sale of) stock and bond issues, trade for their own
accounts, make markets, and advise corporations on capital markets activities such as mergers
and acquisitions.
liabilities
Although both components are different as
structure and role, they are both used for
financing banking projects and both are
interconnected: the existence of owners equity
grants the reimbursement of borrowed capital.
The amount of owners equity conditions the
existence and the volume of attracted capital.
Total regulatory capital includes the sum of
tier one capital and tier two capital minus the
participation quotas in the capital of other
banks that have the authorization of the
National Bank of Moldova.
Tier one ca capital is the basic component of
total regulatory capital, which includes sum
of:
Common shares
Preferred shares with unfixed interest
Preferred non-cumulative shares with fixed
interest issued for an unlimited term
Surplus of capital and non-distributed profit
minus the incomplete amount of decrease for
losses from credits (risk fund) and financial
leasing
Tier two capital is the supplementary, auxiliary
component part of total regulatory capital and
it includes the sum of:
Cumulative and partial cumulative preferred
shares with unfixed due date
Surplus of capital regarding cumulative and
partial cumulative preferred shares
Subordinated debts minus the sum of above
mentioned terms which overcome the amount
of tier one capital.
The minimum sum subscribed and deposited
into the capital of the bank is established by the
National Bank of Moldova in the amount of
100 mln lei.
The premises of capital increase initiated by
National Bank of Moldova have been the
alignment to international standards and the
liquidation of weak banks with an insufficient
capital which could danger the viability of the
entire banking system.
These strict regulations also derive from the
major importance of equity capital and of the
functions it performs:
Equity protects depositors in case of bank
insolvability;
It absorbs the unpredictable losses and assures
the stability in case of problematic situations ,
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imobilizrile necorporale;
alte categorii de active.
Acte legislative
1. Legea cu privire la instituiile financiare, 550-XIII de la 21 iulie 1995
2. Legea cu privire la Banca Naional a Moldovei, 548-XIII de la 21 iulie 1995
3. Regulamentul cu privire la autorizarea bncilor nr.23/09-01 din 15 august 1996.
4. Regulament cu privire la deschiderea filialelor de ctre bnci nr 37/09-01 din 15/11/1996
Manuale, monografii
1. Alexandru Olteanu Management bancar, Editura Dareco Bucureti, 2003
2. Alexandru Olteanu, Florin Manuel Olteanu, Leonardo Badea Management bancar.
Caracteristici. Strategii. Studii de caz.,Editura Dareco, Bucureti,2003.
3. Alexandru Olteanu, Mdlina Antoaneta (Olteanu) Rdoi Politici i strategii naionale i
comunitare n domeniul financiar-bancar, Editura Dareco Bucureti, 2005
4.
5.
Aurelian Alexandru, Paul Berea, Bncile. Modernizarea sistemului bancar, editura Expert,
Bucureti 2003;
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