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protectia consumatorului ofre et demande convertibility international security delinquency ventes monnaie government departments negociants relatii economice internationale rata dobanzii couts de capital deficit conturi nationale clientela activite bancaire internationale contract of carriage affaires goods financement de l'entreprise regulations concurrence foreign enterprises ressources budgetaires capital inflow acorduri de plati aflux de capital accords internationaux merchandising business financing pays developpes budgetary resources actifs delivery of goods capital costs transport international dezvoltarea turismului droit compare balanta de plati saracie calitatea vietii decision making commercial credit regional accounts public borrowing internationalizare efficacite financement a long terme international borrowing commodities exchange depozite bancare Bibliografie fisa disciplina Treasury contracting advertising systeme monetaire international marche financier counterpart 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