期刊名称：Petroleum-Gas University of Ploiesti Bulletin : Economic Sciences Series
印刷版ISSN：2284-8576
电子版ISSN：2247-8582
出版年度：2011
期号：2
页码：59-70
出版社：Petroleum-Gas University of Ploiesti
摘要：Important transformations in the banking sector recorded in the last twenty five years have been caused by the rapid development of financial markets, marked by the emergence of new financial products, innovative technologies, and geographical and sectoral integration. In the banking sector, financial innovation is manifested in new products (subprime mortgages), services (internet banking) or new tools for processing information (credit scoring), the aim being to reduce costs and risks and to better meet users. Regarding their indirect involvement in capital markets, banks play an important role intermediating transactions for their clients, participating as intermediaries for new issues (initial public offerings IPOs) or secondary offerings, having the role of depository banks or actively participating in the dynamic process of financial innovation
