出版社：Asociatia Generala a Economistilor din Romania - AGER
摘要：The alternative of the universal bank – specialized banks in contemporary banking systems constitutes a theme for reflection in all the debates having as subject the perspective of banks, in the context of capital liberalization and the creation of financial conglomerates. The pros and cons of banking specialization or universalization are based on the effectiveness of universal banks as opposed to the expertise assigned to specialized institutions. Of the numerous answers to the tendency of banking universalization, the creating of alternative banks under the form of ethic and ecological banks stands out; this privileges other objectives and values than economic growth and effectiveness. For the Romanian banking system, the alternative of specialization is motivated through the actual characteristics and the context of European Integration.
关键词：universalization of banking; banking specialization; ethic bank; ecological bank; responsible social investment.
