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diverse


Brother at brotherhood, buy at trade

Averea omului nu se afla in lazi, ci in felul in care sties a o foloseasca.

The wealth of a man can't be found in cases, but in the way he knows how to use it.

Imbogatiti-va fiind harnici, economi si cinstiti!

Get rich by being diligent, economic and honest!

Uneori daca dai bani cu imprumut iti faci un dusman secret; refuza-l si vei avea un dusman pe fata.

Sometimes if you lend money you're making a secret enemy; refuse him and you will have an obvious enemy.

Nu cheltui acolo unde poti economisi, darn u economisi acolo unde trebuie sa cheltuiesti.

Don't spend where you can save, but don't save where you have to spend.

Banii sunt o informatie in miscare.

Money represent a moving information

Trebuie sa cream o teorie a valorii bazata pe cunoastere pt a inlocui teoria lui Marx despre valoarea bazata pe munca.

We have to create a theory of value based on knowledge for replacing the theory of Marx about the value based on work.

Informatia este esenta problemei. Ea poate descuia usa tezaurului numit success. Ea ne influenteaza modul de apreciere a realitatii si hotararile pe care le luam.

Information is the essence of the problem. It can unlock the door of the treasury named success. It can influence our way of appreciation the reality and the decisions we make.



































B. Tablitele de lut gasite stau marturie ca mai inainte inca de legiferarea lasata de Hammurabi, templele din Bablon aveau o activitate ce poate fi asemanata cu aceea a instituiilor bancare moderne. Bogatii imobiliare si mobiliare, pamanturi, cirezi, ateliere, unelte, sclavi, depozite de cereale,stocuri de lingouri din metale pretioase erau accumulate de asezamintele inchinate zeilor. Aceste avutii nu conteneau sa fie sporite atat prin munca sclavilor, cat si prin imprumuturi purtatoare de dobanzi mari, conditiile tranzactiilor fiind précis stabilite prin inscrisuri.

S-au gasit dovezi convingatoare ca operatiunile de credit erau frecvente si ca templele din Babilon tineau evidente contrabile amanuntie. Pe inscrisuri de lut se mentionau prevederi ce prefigureaza cadrul juridic modern bancar, precum ipoteca sau girul unor personae considerate solvabile, urmarirea fortata in caz de neplata





The clay boards found represent the testimonial that before, yet from the legislation left from Hammurabi, the temples of Babylon had an activity that can be similar with the one of the bank modern institutions. Immobile and mobile richness, lands, herds, workshops, tools, slaves, cereals deposit, amounts of bars made of precious metals were accumulated by the establishments for worshipping the gods. These belongings weren't supposed to increase through the work of the slaves, but by lends with big interests, the conditions of the transactions being established in writing.

There were found convincing proofs about the fact that credit operations were frequent and that the temples of Babylon were keeping detailed account evidences. On clay inscriptions were mentioned forecasts which prefigure the modern bank law frame, as bond or endorsement of some people considered solvent, the forced pursue if no paying.
























245. Translate into English

Creditele in valuta raman forma perfecta de finantare pt societatile commerciale din Romania. Dobanda mult mai mica decat a celor contractate in lei, chiar daca se tine cont de evolutia ratei de schimb leu/dolar, le face mult mai attractive. Mai ales in cazul in care se achizitioneaza utilaje din strainatate, plata acstora, prin imprumuturi bancare in lei si transformarea in valuta nu este utilizata. Comparativ cu depozitele in valuta ale rezidentilor, volumul creditelor in dolari este mai mare in toata perioada analizata.

Evolutia comparative a economiilor populatiei depuse in bacni comerciale cu volumul creditelor contractate de agentii economici in perioada octombrie 1997 - noiembrie 1998 evidentiaza lipsa de interes pt acest tip de finan

tare.

The credits in currency remain the perfect form of financing for the commercial societies in Romania. The smaller interest than the contracted in "lei" ones, even though it matters the evolution of the exchange rate leu/dollar, makes them more attractive. Especially in the case where foreign equipments are acquired, the payment for these through bank lend in "lei" and their transformation in currency is not used. In comparison with currency deposit of the residents, the volume of the dollar credits is bigger than in the analyzed period.

The comparative evolution of the population's savings deposited in commercial banks with the volume of the credits contracted by economic agents in October 1997-November 1998 accentuates the lack of interest for this type of financing.





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