FACULTY OF FINANCE, INSURANCE, BANKING AND STOCK EXCHANGE (FABBV) Within Bucharest University of Economic Studies SIF BANAT-CRIŞANA ASOCIAIA ROMÂN DE FINANE-BNCI – RoFIBA (Romanian Association of Finance and Banking – RoFIBA) CENTRUL DE CERCETRI FINANCIAR-MONETARE – CEFIMO (Centre of Financial and Monetary Research – CEFIMO) International Finance and Banking Conference FI BA 2015 (XIII th Edition) Bucharest, Romania www.fin.ase.ro/FIBA2015 FACULTY OF FINANCE, INSURANCE, BANKING AND STOCK EXCHANGE