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Banii nu suunt rotile comertului; ei sunt uleiul care face miscarea rotilor lina si usoara..Numai atunci cand comertul nu este bine uns, vom intelege importanta unui sistem monetar sanatos. (D. ume!
UNIVERSITATEA ,,STEFAN CEL MARE SUCEAVA FACULTATEA DE STIINTE ECONOMICE SI ADMINISTRATIE PUBLICA CONTABILITATE SI INFORMATICA DE GESTIUNE
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1. Teorie 1.1 M!s! "one#!r! 1.$ Co"ponen#e%e "!sei "one#!re 1.& A're'!#e%e "one#!re 1.( Cerere! si o)er#! *e "one*!. $. S#u*iu *e +!, Din!"i+! si s#ru+#uri%e "!sei "one#!re in Ro"!ni! $-11
UNIVERSITATEA ,,STEFAN CEL MARE SUCEAVA FACULTATEA DE STIINTE ECONOMICE SI ADMINISTRATIE PUBLICA CONTABILITATE SI INFORMATICA DE GESTIUNE
Pi!#! "one#!r! repre,in#! se'"en#u% pe #er"en s+ur# !% pie#ii )in!n+i!re. Ai+i se .or in#!%ni +re*i#e si p%!s!"en#e ! +!ror s+!*en#! es#e su/ un !n. Pro/%e"! *e)inirii "one*ei ! )os# *in#o#*e!un! *i)i+i%! si +on#ro.ers!#!. A+e!s#! *eo!re+e "one*! ! )os# in re!%i#!#e re+ep#!#! *e o!"eni +! un ins#ru"en# "u%#i*i"ension!%. R!spunsu% #r!*i#ion!% %! o !s#)e% *e in#re/!re ! )os# !+e%! +! "one*! es#e /unu% +!re sp!r'e #ro+u% si #r!ns)or"! *e+i un s+0i"/ *ire+# in#r1un s+0i"/ in*ire+#, +u *ou! )!,! .!n,!re! si +u"p!r!re!. Mone*! es#e, in prin+ip!%, o +!#e'orie "!+roe+ono"i+!, %! +!re #o#i !'en#ii e+ono"i+i *in#r1o #!r! se r!por#e!,! +! %! un *!#. E! +ons#! *in #o# +ee! +e po!#e in*ep%ini si, in )!p#, in*ep%ines#e )un+#ii%e *e "!sur!re ! !+#i.i#!#i%or e+ono"i+e si *e "i2%o+ire ! s+0i"/u%ui. D!+! !n!%i,!" "one*! *in pun+# *e .e*ere !% )or"ei )i,i+e *e pre,en#!re, se o/ser.! +! e.o%u#i! sis#e"e%or "one#!re ! +on*us %! !p!ri#i! su++esi.! ! #rei )or"e *e "one*! "e#!%i+!, "one*! *e 0!r#ie si "one*! s+rip#ur!%!. E%e +oe3is#! in propor#ii *i)eri#e *e %! o perio!*! %! !%#! si *e %! o #!r! %! !%#!. Pri.i#! +! s#o+, "!s! "one#!r! +ons#! *in #o#!%i#!#e! ins#ru"en#e%or /!nes#i *e +!re *ispun !'en#ii e+ono"i+i non)in!n+i!ri *in#r1o e+ono"ie n!#ion!%! %! un "o"en# *!#, *es#in!#e !+0i,i#ion!rii *e /unuri "!#eri!%e si ser.i+ii, !+0i#!rii *!#orii%or, +ons#i#uirii e+ono"ii%or in .e*ere! in.es#i#ii%or si ! !%#or p%!s!"en#e. C! )%u3, !+e!s#! repre,in#! "!s! "e*ie *e /!ni +!re )un+#ione!,! in#r1o !nu"i#! perio!*! *e #i"p 4#ri"es#ru, !n5. Pen#ru e3e"p%i)i+!re .oi pre,en#! s+0e"! 'ener!%! ! e.i*en#ei *isponi/i%i#!#i%or "one#!re si +.!si"one#!re !s! +u" se pre,in#! in #!ri *e,.o%#!#e +u e+ono"ie *e pi!#!
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UNIVERSITATEA ,,STEFAN CEL MARE SUCEAVA FACULTATEA DE STIINTE ECONOMICE SI ADMINISTRATIE PUBLICA CONTABILITATE SI INFORMATICA DE GESTIUNE 1. Disponi/i%i#!#i "one#!re A. Bi%e#e in +ir+u%!#ie6 B. Mone*! *i.i,ion!r! in +ir+u%!#ie6 C. Depo,i#e %! .e*ere. 1 Con#uri !%e p!r#i+u%!ri%or si in#reprin*eri%or %! B!n+! Cen#r!%! 1 Depo,i#e in /!n+i6 1 Depo,i#e in +on#uri pos#!%e6 1 Depo,i#e *e )on*uri p!r#i+u%!re %! Te,!ur. $. Disponi/i%i#!#i +.!si"one#!re A. Con#uri pe %i/re#e in /!n+i6 B. Con#uri1 e+ono"ii1 %o+uin#e1 /!n+i6 C. Depo,i#e %! #er"en %! Te,!ur6 D. Bonuri pe #er"en %! Te,!ur6 E. Depo,i#e in .!%u#! !%e re,i*en#i%or. 1.$. Co"ponen#e%e "!sei "one#!re Pen#ru +! )un+#ii%e si )!+i%i#!#i%e "one*ei s! )ie e3er+i#!#e +u su++es es#e ne+es!r +! !+e!s#! s! e3is#e in#r1un "inu# .o%u" si in#r1o s#ru+#ur! !nu"e. Pro/%e"e%e re)eri#o!re %! r!por#u% *e "!ri"e *in#re !+#i.i#!#i%e e+ono"i+o1 so+i!%e si +!n#i#!#e! *e "one*! in so+ie#!#e sun# !/or*!#e si !n!%i,!#e, "!i in#!i, +u +on+ep#e%e *e "!s! "one#!r! si *e .i#e,! *e ro#!#ie ! "one*ei. Marimea fluxurilor monetare dintr-o tara , in#r1un !n e+ono"i+, repre,in#! pro*usu% *in#re "!ri"e! "e*ie ! s#o+u%ui *e /!ni, in %o+u% si #i"pu% !r!#!#e, si .i#e,! *e ro#!#ie ! /!ni%or 4nu"!ru% ro#!#ii%or e)e+#u!#e5. M!s! "one#!r! e3is#en#! %! un "o"en# *!# %! !'en#ii e+ono"i+i 4+! s#o+5, +! si +e! )o%osi#! in#r1un ori,on# *e #i"p 4+! )%u35 se "!so!r! prin lichiditatea monetara, !+e!s#! se e3pri"! in "!ri"i !/so%u#e si in "!ri"i re%!#i.e. Rata lichiditatii, *e pi%*!, +ons#! in r!por#u% in#re ni.e%u% "e*iu !nu!% !% "!sei "one#!re si ni.e%u% #r!n,!+#ii%or e+ono"i+e "i2%o+i#e *e "one*!. In#ensi#!#e! u#i%i,!rii "one*ei es#e "!sur!#! prin viteza de circulatie a monedei. A+e!s#! se e3pri"! prin#r1un r!por# +!re e.i*en#i!,! r!pi*i#!#e! s!u in+e#ine!%! #r!n,!+#ii%or, +! si .i#e,! +u +!re +ir+u%! .eni#uri%e. A+es# r!por# es#e in.ersu% r!#ei %i+0i*i#!#ii.
UNIVERSITATEA ,,STEFAN CEL MARE SUCEAVA FACULTATEA DE STIINTE ECONOMICE SI ADMINISTRATIE PUBLICA CONTABILITATE SI INFORMATICA DE GESTIUNE De1! %un'u% #i"pu%ui s1!u +on#ur!# *ou! +o"ponen#e !%e "!sei "one#!re +o"ponen#e +!re se *eose/es+ +!%i#!#i. in#re e%e 1 *ispo,i#ii /!nes#i propriu1,ise 4 /!ni '0e!#!, /!ni %i+0i,i5. A+e!s#! *isponi/i%i#!#e +ons#!u *in !+e%e ins#ru"en#e "one#!re +!r!+#eri,!#e prin %i+0i*i#!#e per)e+#!. Inse!"n! +! e%e sun# in "!sur! s! s#in'! i"e*i!# o *!#orie s!u s! "i2%o+e!s+! *ire+# o #r!n,!+#ie +o"er+i!%! )!r! +! *e#in!#oru% %or s! +0e%#ui!s+! #i"p si )!r! *i"inu!re! resurse%or s!%e /!nes#i. A+es#e ins#ru"en#e se +!r!+#eri,e!,! prin %i+0i*i#!#e per)e+#! s!u %i+0i*i#!#e prin e3+e%en#!. 1 *isponi/i%i#!#i se"i"one#!re 4 7 !pro!pe /!ni75. A+es#e *isponi/i%i#!#i sun# )or"!#e *in !+e%e ins#ru"en#e "one#!re +!re ne+esi#! un! s!u "!i "u%#e oper!#ii pen#ru +! posesoru% %or s! !2un'! %! /!ni %i+0i,i. A+e!s#! presupune +onsu" *e #i"p pen#ru e)e+#u!re! oper!#ii%or )!r! ! e3is#! ris+u% *i"inu!rii +!n#i#!#ii *e "one*! *e#inu#! *e e%. 1.& A're'!#e%e "one#!re An!%i,! "!sei "one#!re se re!%i,e!,! +u !2u#oru% +on+ep#u%ui *e !'re'!# "one#!r. A+es# !'re'!# "one#!r *ese"ne!,! o p!r#e +ons#i#u#i+! ! "!sei si se"i"one#!re. Cri#eriu% *e *ep!r#!2!re si *e in+%u*ere ! ins#ru"en#e%or *e p%!#! in !'re'!#e%e "one#!re i% +ons#i#uie +!p!+i#!#e! %or *e ! !si'ur! %i+0i*i#!#e! /!ne!s+!, *e ! !2un'e %! /!ni %i+0i,i. Pri"u% !'re'!# "one#!r es#e si"/o%i,!# +u %i#er! M1 Es#e )or"!# *in ur"!#o!re%e e%e"en#e 1 nu"er!ru% in +ir+u%!#ie 4/!ni *e 0!r#ie si "one*! *i.i,ion!r!5 1 +on#uri%e /!n+!re oper!/i%e prin +er+uri !p!r#in!n* re,i*en#i%or non)in!n+i!ri 1 +e+uri%e %! pur#!#or s!u *e +!%!#orie M! repre,in#! "!s! "one#!r! in sens "!i %!r', +uprin,!n* in p%us )!#! *e e%e"en#e%e *e %! M1 ur"!#o!re%e - *epo,i#e%e s!u *epuneri%e *e e+ono"ii %! .e*ere !)%!#e in +on#uri%e /!n+!re neoper!/i%e s!u prin +e+uri6 1 *epuneri%e pe #i"p s+ur# %! /!n+i in#r!#e in 'es#iune! !+es#or!. Di)eren#! *in#re M$ si M1 no#!#! +u "$ repre,in#! *isponi/i%i#!#i !%e re,i*en#i%or non)in!n+i!ri 'es#ion!#e *e or'!ni,!#ii%e )in!n+i!r1 /!n+!re. A+e!s#! *i)eren#r! "!i po!#e )i nu"i#! "!s! se"i"one#!r!. M" +uprin*e in p%us )!#! *e M$ %i+0i*i#!#i pe #i"p s+ur# +!re nu po# )i in+!*r!#e in "!s! se"i"one#!r! 4"$5 . Di)eren#! *in#re M&1M$ es#e "& si es#e )or"!#! *in ur"!#o!re%e +o"ponen#e - *epuneri%e pe #er"en %i"i#!# si /onuri%e *e e+ono"ii 1 *epuneri%e si #i#%uri%e *e +o"er# in "one*e s#r!ine +on.er#i/i%e 1 /onuri%e *e #e,!ur si +er#i)i+!#e%e *e su/s+riere i"pru"u#!#e *e s#!#, pre+u" si /onuri%e ne'o+i!/i%e 8
UNIVERSITATEA ,,STEFAN CEL MARE SUCEAVA FACULTATEA DE STIINTE ECONOMICE SI ADMINISTRATIE PUBLICA CONTABILITATE SI INFORMATICA DE GESTIUNE Co"ponen#e%e "$ si "& %u!#e i"preun!, !*i+! M&1M1 )or"e!,! e+ono"ii%e %i+0i*e *epuse pe #er"en s+ur#. A% p!#ru%e! !'re'!# # +uprin*e pe %!n'! +e%e in+%use in M& e+ono"ii%e +on#r!+#u!%e *epuse pe #er"en si *i)eri#e !%#e p%!s!"en#e si #i#%uri ne'o+i!/i%e +! si #i#%uri *e .!%o!re e"ise *e !'en#ii non/!n+!ri. Nu"!ru% !'re'!#e%or "one#!re +! si *enu"ire! +o"ponen#e%eor %or nu sun# !+e%e!si in #o!#e #!ri%e. Din#re #o!#e ins#ru"en#e%e pie#ei "one#!re +e%e "!i i"por#!n#e sun# !. Bi%e#e%e *e #re,orerie repre,in#! o )or"! ! in*!#or!rii s#!#u%ui pe #er"en s+ur#, respe+#i. o +o"ponen#! ! *!#oriei in#erne. A+es#e! sun# ins#ru"en#e +u +!r!+#er popu%!r, )iin* !+0i,i#ion!#e in "o"en#u% e"isiunii !#!# *e !'en#ii e+ono"i+i, +!# si *e popu%!#ie. Dup! e"isiune, !+es#e #i#%uri sun# in#ens +o"er+i!%i,!#e pe pi!#! se+un*!r!. /. Ti#%uri%e +o"er+i!%e sun# ins#ru"en#e pe #er"en s+ur#, repre,en#!n* pro"isiune! )!+u#! *e o )ir"!, +!re ur"!res#e !#r!'ere! *e )on*uri ne+es!re !+#i.i#!#ii +o#i*iene, r!"/urs!/i%e %! o !nu"i#! s+!*en#!. +. Ce+uri%e 4!++ep#!ri%e /!n+!re5 reper,in#! un ins+ris /!n+!r e"is *e o )ir"! +e se o/%i'! s! p%!#e!s+! o !nu"i#! su"! %! s+!*en#! si es#e #ri"is unei /!n+i spre !++ep#!re. *. Cer#i)i+!#e%e *e *epo,i# ne'o+i!/i%e repre,in#! ins+risuri e"ise *e /!n+i%e +o"er+i!%e pen#ru ! !#es#! e3is#en#! )on*uri%or in *epo,i#e. Prin !+es#e #i#%uri se s#ipu%e!,! +! *eponen#ii .or pri"i !nu!% *o/!n,i *e o !nu"i#! "!ri"e, i!r %! "!#uri#!#e! *epo,i#u%ui, !+es#or! %i se .! res#i#ui su"! ini#i!%!. B!n+i%e r!s+u"p!r! une%e +er#i)i+!#e in!in#e "!#uri#!#e. Din "o#i.u% ne'o+ierii !+es#or #i#%uri, e%e se nu"es+ +er#i)i+!#e *e *epo,i# ne'o+i!/i%e. e. Euro*o%!rii *ese"ne!,! *epo,i#e %! #er"en, e3pri"!#e in *o%!ri, e)e+#u!#e %! /!n+i s#r!ine s!u %! )i%i!%e !%e /!n+i%or !"eri+!ne *in s#r!in!#!#e. ). A+or*uri%e *e r!s+u"p!r!re repre,in#! #i#%uri +!re !#es#! i"pru"u#uri%e pe #er"en s+ur# 4uneori nu"!i $( *e ore5, !+or*!#e !'en#i%or e+ono"i+i, 'u.ernu%ui s!u !%#or en#i#!#i e+ono"i+e, *e +!#re /!n+i%e +o"er+i!%e s!u !%#e insi#u#ii )in!n+i!re. In +on+%u,ie, pi!#! "one#!r! es#e o pi!#! spe+i)i+! in +!re !+#ione!,! +! pe ori+e !%#! pi!#!, +erere! si o)er#!. Ai+i ins! opere!,! +erere! si o)er#! *e "one*! +!re *e#er"in! "!s! "one#!r!.