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chomage societe mere protection du consommateur credit sale economic behaviour Union europeenne international monetary system prets accords de paiement invesstisement directs relatii comerciale planification financiere deducere fiscala commercial banks studii de caz conclusion de contrats imprumuturi internationale liquidite amortissement probabilite ressources financieres inevestissements circulation monetaire tolls firm governed by commercial law criza monetara intreprinderi electronic banking faible revenu reglementari international liquidity monetary crisis contribuabili credit institution achat monetary reserves persoane fizice investment guarantees politica afacerilor organisations patronales tests contrat d'assurance employers' organizations consumatori risc private sector financial situation autofinancement duration liquidity reinvestitii aspecte economice modeles economiques imprumuturi bancare importations liberalisation of the market credit revenu circulatie monetara 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