Intrebari + Probleme Macroeconomie Feaa

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| By Catherine Halcomb
Catherine Halcomb
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1. Privita la modul general, piata financiara sau piata capitalului, cuprinde:

Explanation

The correct answer is the one that states that the financial market or capital market includes the set of transactions that aim to mobilize and place the available and necessary financial funds, including the regulations and institutions related to their conduct. This answer accurately describes the general concept of the financial market and its purpose, which is to facilitate the movement and allocation of financial resources. It also acknowledges the importance of regulations and institutions in ensuring the proper functioning of the market.

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Intrebari + Probleme Macroeconomie Feaa - Quiz

2. Banii:

Explanation

Banii reprezintă un mijloc de schimb general acceptat deoarece sunt utilizati ca instrument pentru a cumpăra bunuri și servicii într-o societate. Aceștia sunt acceptați de către toți participanții la schimburi comerciale și sunt recunoscuți ca având o valoare universală. Deși există diferite tipuri de bani, cum ar fi bancnotele și monedele, acestea sunt acceptate în mod general și pot fi folosite pentru a achiziționa orice alt bun sau serviciu.

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3. Banii:

Explanation

Banii reprezintă un mijloc de schimb general acceptat deoarece sunt utilizati pentru a cumpara bunuri si servicii, fiind acceptati de catre majoritatea comerciantilor si furnizorilor. Ei sunt recunoscuti ca fiind o forma de plata valabila in societate, ceea ce ii face usor de utilizat pentru efectuarea tranzactiilor. De asemenea, banii sunt sustinuti de bunuri care au o valoare intrinseca si sunt autorizati de guvern, ceea ce ii confera legitimitate si incredere.

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4. Institutia care poate acorda credit bancilor poarta denumirea de:

Explanation

The institution that can provide credit to banks is known as the central bank. The central bank is responsible for regulating the banking system, implementing monetary policy, and providing liquidity to the banking sector. It acts as a lender of last resort for commercial banks and plays a crucial role in maintaining financial stability and controlling inflation.

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5. Bancnotele din rezervele federale functioneaza astazi eficient in calitate de bani pentru ca:

Explanation

The correct answer is "toata lumea este dispusa sa le accepte in schimbul unor bunuri valorificabile". This means that everyone is willing to accept these banknotes in exchange for valuable goods. This is an important characteristic of money, as it needs to be universally accepted as a medium of exchange. Without this widespread acceptance, the banknotes would not be able to function effectively as money.

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6. Cursul valutar conventional:

Explanation

The correct answer is "este stabilit unilateral de autoritatile monetare nationale in functie de diversi factori economici, politici, sociali si institutionali, interni si externi". This means that the conventional exchange rate is determined solely by the national monetary authorities, taking into account various economic, political, social, and institutional factors, both domestic and international. This suggests that the exchange rate is not freely determined by the market or based on the precious metal content of the respective currencies.

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7. Piata capitalului pe termen scurt este o piata interbancara:

Explanation

The correct answer explains that the short-term capital market is an interbank market where banks borrow from each other to compensate for surplus and deficit of bank liquidity. It states that this market does not include discounting and rediscounting operations of credit securities, but it does include operations with financial assets with long maturities.

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8. Daca masa monetara creste prea mult, urmarea cea mai probabila va fi:

Explanation

If the money supply increases too much, the most likely consequence would be inflation. When there is an excess of money in the economy, people have more purchasing power, which leads to an increase in demand for goods and services. As demand increases, prices tend to rise, causing inflation. Therefore, it is reasonable to conclude that the most probable outcome of a significant increase in the money supply would be inflation.

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9. Operatiunile cu prima simpla „a la hausse"

Explanation

This answer states that "Operatiunile cu prima simpla 'a la hausse' ofera posibilitatea cumparatorului de a alege intre executarea sau realizarea contractului in functie de situatia existenta la termenul de scadenta." This means that operations with a simple "a la hausse" premium give the buyer the option to choose between executing or realizing the contract based on the situation at the maturity date.

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10. Care dintre urmatoarele este cel mai serios obstacol pentru obtinerea unor informatii relevante in timpul pe care politicile fiscale sau monetare il au la dispozitie pentru a avea efecte complete asupra cheltuielilor private si deciziilor de productie?

Explanation

The correct answer states that the delays in programming vary depending on the amount or lack of information available to the public. This suggests that the lack of relevant information can be a significant obstacle in obtaining relevant information during the time that fiscal or monetary policies have to have complete effects on private spending and production decisions.

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11. Care este caracteristica esentiala a unui bun utilizat ca bani?

Explanation

The essential characteristic of a good used as money is its acceptability. This means that the good must be widely accepted and recognized as a medium of exchange by the members of a society. Without acceptability, the good would not be able to fulfill its function as a medium of exchange and would not be widely used as a form of payment.

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12. Somajul frictional:

Explanation

Somajul frictional se referă la situația în care oamenii își părăsesc locul de muncă în căutarea unuia mai bine plătit. Acest tip de șomaj este rezultatul inițiativei individuale a persoanelor de a-și găsi un loc de muncă mai bun și nu este cauzat de fricțiuni între angajat și angajator sau de caracterul ciclic al activității economice.

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13. In luna martie, aprilie si mai, rata lunara a inflatiei a fost de 4%. In aceste conditii, rata inflatiei pe cele trei luni a fost de:

Explanation

The question states that the monthly inflation rate for March, April, and May was 4%. To calculate the overall inflation rate for the three months, we can simply add up the monthly rates. So, 4% + 4% + 4% = 12%. Therefore, the correct answer is 12,4%.

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14. Detinatorul de actiuni are dreptul:

Explanation

The correct answer is "De a obtine devident." This means that the shareholder has the right to receive dividends. Dividends are a portion of the company's profits that are distributed to shareholders as a form of income. This is one of the benefits of owning shares in a company, as it allows shareholders to receive a return on their investment.

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15. Principalul avantaj pe care il aveau monedele de metal asupra pieselor din metal neprelucrat era:

Explanation

The main advantage of metal coins over unprocessed metal pieces was that it was much easier to determine the quantity and quality of the metal contained in the coins.

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16. Dintre urmatoarele argumente impotriva restabilirii etalonului in aur in Statele Unite, cel mai convingator este probabil acela ca:

Explanation

The most convincing argument against restoring the gold standard in the United States is that the government could easily cancel it whenever it is politically convenient. This suggests that the gold standard would not provide a stable and reliable basis for the country's currency, as the government could manipulate or abandon it at any time. This lack of certainty would undermine confidence in the currency and make it difficult for individuals and businesses to accurately estimate future prices.

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17. Schimbari ale ratelor de impozitare sau ale cheltuielilor guvernamentale au o probabilitate mica de a reprezenta tehnici de stabilizare eficiente pentru ca:

Explanation

The explanation for the given correct answer is that the political process of approving proposed taxes or modified expenditures is often slow and prone to conflicts. This means that any changes in tax rates or government spending may take a significant amount of time to be implemented, which can hinder their effectiveness as stabilization techniques. Additionally, the conflicts and tensions that arise during the approval process can further delay or even prevent the implementation of these changes, making them inefficient for stabilization purposes.

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18. Recesiunea este cel mai bine definita ca o perioada care:

Explanation

The correct answer is "apar scaderi neintentionate in ceea ce priveste angajatii, productia si veniturile". This answer accurately defines a recession as a period characterized by unintended decreases in employment, production, and income. A recession typically involves a decline in economic activity and can have negative effects on various aspects of an economy, including employment levels, output, and people's incomes.

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19. Schimbarile de la nivelul ratelor de impozitare sau al cheltuielilor guvernamentale au o probabilitate mica de a fi niste tehnici eficiente de stabilizare pentru ca:

Explanation

The answer suggests that the slow and often conflict-ridden political process of approving proposed taxes or modified expenses makes it unlikely for changes in tax rates or government spending to be effective stabilization techniques. This implies that any attempts to adjust these factors as a means of economic stabilization would be hindered by the lengthy and contentious process of gaining approval for such changes.

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20. Modul de gandire economic previzioneaza ca daca majoritatea celor care voteaza intr-o democratie vor sa fie reduse cheltuielile guvernamentale totale:

Explanation

The correct answer suggests that it is possible that government expenses may not be reduced at all because it is not politically feasible. This means that even if the majority of voters want to reduce government spending, it may not be implemented due to political constraints or opposition.

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21. Daca un client retrage 5000 euro dintr-un cont la vedere si ii depune intr-un cont la termen cum variaza agregatele monetare?

Explanation

When a customer withdraws 5000 euros from a demand deposit account and deposits it into a term deposit account, the M1 aggregate decreases by 5000 euros because the funds are no longer immediately available for spending. However, the M2 aggregate remains unchanged because the funds are still within the overall money supply, even though they are not as liquid as before.

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22. Ce limiteaza capacitatea unei banci nereglementate de a continua sa creeze bani pe perioada nedeterminata?

Explanation

The correct answer is "abilitatea sa de a mentine increderea oamenilor in valoarea constanta a garantiilor sale" (its ability to maintain people's trust in the constant value of its guarantees). This answer suggests that the ability of an unregulated bank to continue creating money indefinitely is limited by its ability to maintain the trust of people in the value of its guarantees. If people lose confidence in the bank's guarantees, they may withdraw their money, leading to a loss of liquidity and the bank's inability to continue creating money.

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23. Care dintre urmatoarele institutii creaza banii din economia romaneasca?

Explanation

Banca Nationala a Romaniei este institutia responsabila pentru crearea banilor din economia romaneasca. Ca banca centrala a tarii, ea are puterea de a emite si controla oferta monetara, inclusiv prin stabilirea ratei dobanzii si prin gestionarea rezervelor valutare. Guvernul, bancile si firmele de brokeraj nu au puterea de a crea bani, ci doar de a efectua tranzactii cu banii deja existenti.

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24. Rata somajului reprezinta raportul procentual intre:

Explanation

The correct answer is "Populatia somera si populatia activa". The unemployment rate represents the percentage ratio between the unemployed population and the active population.

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25. Capacitatea unei banci nereglementate de a continua sa creeze bani pe perioada nedeterminata este limitata de:

Explanation

The ability of an unregulated bank to continue creating money indefinitely is limited by its ability to maintain people's trust in the constant value of its guarantees. This means that if people lose confidence in the bank's ability to honor its guarantees, they may withdraw their deposits, leading to a loss of funds for the bank and potentially causing it to fail. Therefore, the bank's ability to maintain trust is crucial in sustaining its ability to create money.

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26. Mai ales in perioadele de razboi, guvernele sunt tentate sa suplimenteze cantitatea de moneda. Aceasta masura are drept consecinte:

Explanation

In times of war, governments are often tempted to increase the quantity of money in circulation. This measure leads to the occurrence of inflation, as the increased money supply reduces the value of each individual unit of currency. This can lead to rising prices and a decrease in the purchasing power of the population. Therefore, the correct answer is the appearance of inflation.

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27. O „recesiune" poate fi cel mai bine perceputa ca:

Explanation

A recession can be best perceived as an unintentional and disruptive slowdown in the rate of economic growth. This means that during a recession, the economy experiences a period of slower growth or even contraction, which is not intentional and disrupts the normal pace of economic expansion. This definition does not mention a collapse in stock prices or a decrease in average prices, and it includes any reduction in the rate of GDP growth.

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28. Banii furnizeaza servicii pentru oameni:

Explanation

Money provides services for people both when they are spent and when they are saved. When money is spent, it is used to purchase goods and services, which directly benefits people. When money is saved, it can be used to invest or accumulate wealth, which can provide future benefits and opportunities for individuals. Therefore, money serves a purpose both when it is spent and when it is saved.

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29. Profitul potential al bancii este dat de diferenta dintre:

Explanation

The potential profit of the bank is determined by the difference between the interest rates charged on loans and the interest rates paid on customer savings accounts. This means that the bank earns money by charging higher interest rates on loans than it pays out on savings accounts. This is a common practice for banks to generate profit from the interest rate spread.

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30. Unii economisti sustin ca politica monetara este mai putin eficace in contracararea unui declin economic decat in contracararea unei expansiuni economice rapide si excesive pentru ca:

Explanation

The correct answer states that the Central Bank can increase bank reserves but cannot force banks to lend from their reserves. This suggests that even if the Central Bank implements expansionary monetary policy by increasing reserves, it does not guarantee that banks will actually lend the money to stimulate the economy during an economic decline. Therefore, the effectiveness of monetary policy in countering an economic decline is limited.

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31. In lunile ianuarie, februarie si martie, rata luanara a inflatiei a fost de 2%. In aceste conditii rata infaltiei pe cele trei luni a fost de:

Explanation

The question states that the lunar inflation rate for the months of January, February, and March was 2%. To calculate the inflation rate for the three months, we need to compound the monthly rates. The formula for compounding is (1 + r1)(1 + r2)(1 + r3) - 1, where r1, r2, and r3 are the monthly rates. Plugging in the value of 2% for each month, we get (1 + 0.02)(1 + 0.02)(1 + 0.02) - 1 = 1.02 * 1.02 * 1.02 - 1 = 1.0609 - 1 = 0.0609. Therefore, the inflation rate for the three months is 6.09%, which is closest to the given answer of 6.12%.

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32. Istoria banilor arata ca multe societati au ales metale precum cuprul, argintul si aurul ca mijloc preferat de schimb pentru ca aceste metale:

Explanation

The given answer states that metals like copper, silver, and gold were chosen as a preferred medium of exchange because they fulfilled all the mentioned conditions of being attractive, divisible, durable, transportable, and rare. This implies that these metals possessed all the necessary qualities that made them suitable for being used as a form of currency in various societies throughout history.

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33. Un dolar din noile rezerve excedentare furnizate sistemului bancar permite acestui sistem sa creeze:

Explanation

When a dollar is added to the excess reserves of the banking system, it allows the system to create more than one dollar in the form of new money. This is because of the fractional reserve banking system, where banks are only required to hold a fraction of their deposits as reserves and can lend out the rest. As a result, the initial dollar can be multiplied through the lending process, leading to the creation of more than one dollar in new money.

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34. O crestere a cererii de bani din partea populatiei sugereaza ca:

Explanation

The increase in demand for money from the population suggests that people want to hold a larger quantity of currency and maintain higher average balances in their bank accounts. This implies that people have a preference for liquidity and are seeking to have more money readily available for their financial needs.

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35. Intarzierile „sincronizate" care trebuie anticipate si controlate daca este necesar ca managementul cererii agregate sa fie o tehnica de stabilizare eficienta sunt acele intarzieri dintre:

Explanation

The correct answer is "toate variantele de mai sus" (all of the above). This means that all of the mentioned delays between the appearance of a problem and its recognition, between the recognition of the problem and the action taken to solve it, and between the action taken to solve the problem and its effects on expenditure and production decisions, need to be anticipated and controlled for effective aggregate demand management.

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36. Daca agentiile guvernului federal au permisiunea de a utiliza politica fiscala si/sau monetara pentru a asigura niveluri ridicate ale productiei si ocuparii fara a crea inflatie, ele trebuie sa fie capabile sa influenteze:

Explanation

The correct answer is "PIB-ul real si nivelul preturilor in mod independent unul de celalalt". This means that government agencies have the ability to influence both real GDP and price levels separately from each other. This suggests that they can use fiscal and/or monetary policy to stimulate economic growth and employment without causing inflation. In other words, they can increase real GDP without causing a significant increase in prices.

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37. In Statele Unite, productia si venitul real au scazut in perioada 1923-1933 cu aproximativ:

Explanation

The correct answer is 30% because the question states that both production and real income decreased in the United States from 1923 to 1933. A decrease of 30% indicates a significant decline in both production and income during that period.

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38. Un comerciant englez importa imprimante din Coreea de Sud, pentru care plateste producatorului coreean un pret de 250 USD/buc. Presupunem ca producatorul coreean asigura livrarea produselor pana la sediul importatorului, in timp ce taxa vamala pe care Marea Britanie o aplica importurilor de imprimante din Coreea de Sud este de 20%. In conditiile in care echivalentul in lire sterline a 50 USD/buc acopera cheltuielile de distributie a produsului pe piata, putem aprecia ca pretul minim la care comerciantul englez ar fi dispus sa vanda o imprimanta este egal cu echivalentul in lire sterline a:

Explanation

The correct answer is 350 USD because the merchant pays 250 USD per printer to the Korean manufacturer. However, the UK applies a 20% import tax on printers from South Korea. To cover the distribution costs of the product in the market, the equivalent of 50 USD per printer in British pounds is needed. Therefore, the minimum price at which the English merchant would be willing to sell a printer is the sum of the manufacturer's price, the import tax, and the distribution cost, which is 250 USD + 20% of 250 USD + the equivalent of 50 USD in British pounds. This equals 350 USD.

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39. In conditiile in care, in anul 2012, importurile Romaniei au fost de 9.000 mld. euro, in timp ce valoarea totala a exporturilor a fost de 7.200 mld. euro, balanta comerciala prezinta o rata de acoperire de:

Explanation

The correct answer is 80% because the trade balance is calculated by dividing the value of exports by the value of imports and then multiplying by 100. In this case, the value of exports is 7,200 billion euros and the value of imports is 9,000 billion euros. Dividing 7,200 by 9,000 and multiplying by 100 gives a trade balance of 80%.

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40. Politicile anti-inflationiste

Explanation

Anti-inflationary policies are not advantageous for governance because they limit government spending. These policies aim to decrease the purchasing power of the currency in order to control inflation. By reducing government spending, these policies restrict the funding available for government expenses. This can be seen as a disadvantage for the government as it limits their ability to finance their activities and fulfill their obligations.

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41. Cel mai bun argument pentru restabilirea etalonului in aur, in Statele Unite, este acela ca:

Explanation

The best argument for restoring the gold standard in the United States is that it would limit the government's ability to increase the quantity of money in circulation. By tying the value of the currency to a fixed amount of gold, the government would not be able to simply print more money, which can lead to inflation. This would provide stability and confidence in the currency, as its value would be backed by a tangible and limited resource.

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42. Intarzierile de programare care trebuie prevazute si controlate daca se vrea ca managementul cererii agregate sa reprezinte o tehnica de stabilizare eficace sunt intarzierile dintre:

Explanation

The correct answer is "toate variantele de mai sus" (all of the above). This means that delays in all three stages mentioned (the beginning of a problem and its recognition, the recognition of the problem and the action to solve it, and the action to solve the problem and its effects on expenditure and production decisions) need to be anticipated and controlled for effective aggregate demand management.

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43. Sa presupunem ca putem aprecia nivelul inflatiei dintr-o tara pe sama unui cos de consum format din bunuri alimentare (cu o pondere in cos de 25%), bunuri industriale (cu o pondere de 35%) si servicii. Stiind ca rata cresterii preturilor bunurilor alimentare a fost de 6%, indicele de crestere a preturilor bunurilor industriale a fost de 109% si rata de crestere a tarifelor pentru servicii a fost de 3%, calculati rata inflatiei.

Explanation

The correct answer is 5.8%. To calculate the inflation rate, we need to find the weighted average of the price increases for each category. The weight for food goods is 25%, industrial goods is 35%, and services is 40%. We multiply the price increase for each category by its respective weight and then sum them up. (6% * 0.25) + (9% * 0.35) + (3% * 0.4) = 1.5% + 3.15% + 1.2% = 5.85%. Therefore, the inflation rate is 5.8%.

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44. Operatiunile pe piata financiara primara sunt mijlocite de cele mai multe ori de catre:

Explanation

Primary financial market operations are mostly intermediated by banks. Banks play a crucial role in facilitating the buying and selling of financial instruments such as stocks, bonds, and other securities. They provide various services like underwriting, advisory, and financing to both issuers and investors in the primary market. Banks also act as intermediaries between borrowers and lenders, facilitating the flow of funds in the primary market. Therefore, banks are the main entities involved in conducting operations in the primary financial market.

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45. Echilibrul monetar reprezinta :

Explanation

Echilibrul monetar reprezintă un echilibru între cererea și oferta de monedă. Acest lucru înseamnă că cantitatea de bani cerută de către economie este egală cu cantitatea de bani oferită de către bănci și instituțiile financiare. Dacă cererea de monedă este mai mare decât oferta, poate apărea inflația, iar dacă cererea este mai mică decât oferta, poate apărea deflația. Echilibrul monetar este important pentru menținerea stabilității economice și financiare.

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46. Ati putea crea bani folosind aceleasi metode utilizate de bancile comerciale, daca ati putea:

Explanation

The correct answer is "convinge oamenii sa utilizeze banii creati de voi ca mijloc de schimb" because even if you have the ability to print money, transform metals into coins, and obtain government authorization to establish a money issuing institution, it is ultimately the acceptance and usage of the money by people that determines its value and effectiveness as a medium of exchange. Without convincing people to use the money you create, it would have no value or utility in the economy.

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47. Evolutia activitatii bursiere, reflectata de indicele de bursa, poate sa arate:

Explanation

The correct answer is "o directie ascendenta (o piata 'sub semnul taurului' sau bull market)". This is because the question is asking about the evolution of stock market activity reflected by the stock index. The term "bull market" refers to a market where prices are rising and investor confidence is high, indicating an upward direction in the market. The phrase "sub semnul taurului" translates to "under the sign of the bull," further emphasizing the idea of a bullish market trend.

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48. Inflatia permite unui numar mare de indivizi sa:

Explanation

Inflatia permite unui numar mare de indivizi sa consume mai mult decat au economisit deoarece cresterea generala a preturilor reduce puterea de cumparare a banilor. Astfel, oamenii pot cheltui mai mult pentru a achizitiona aceleasi bunuri sau servicii, chiar daca nu au economisit suficient pentru a-si permite acest lucru. Inflatia poate duce la o scadere a valorii banilor economisiti, ceea ce ii determina pe oameni sa cheltuiasca mai mult pentru a evita pierderile de valoare.

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49. Fiecare dolar adunat la rezervele totale ale sistemului comercial bancar:

Explanation

Each dollar added to the total reserves of the banking system allows banks to expand their loans by more than $1.

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50. Cei mai vechi bani din hartie erau cei emisi de banca, tipariti cu ornamente pentru a impiedica falsificarea lor si:

Explanation

The correct answer is "promiteau sa plateasca o suma anume de monede metalice la cerere". This means that the oldest paper money issued by the bank promised to pay a specific amount of metallic coins upon request. This suggests that the paper money was backed by a guarantee of being exchanged for a certain amount of metal coins, providing a sense of security and value to the currency.

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51. Functionarii Rezervei Federale, insarcinati cu responsabilitatea de a regla, la nivelul economiei, cantitatea de bani aflata in circulatie, se lovesc de o sarcina dificila:

Explanation

The answer "din toate motivele enumerate mai sus" is correct because all of the given options provide valid reasons for why the officials of the Federal Reserve face a difficult task in regulating the quantity of money in circulation. The banks and the population's behavior may counteract the initiatives of the Commercial Bank, there may be conflicting objectives expected of the Central Bank, there may not be a complete agreement on the desirable growth rate of the money supply at a given time, and there may not be a complete agreement on the means that the Central Bank should use to achieve its objectives.

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52. Guvernul federal poate functiona avand deficite foarte mari mai multi ani la rand, fara a se confrunta cu riscul falimentului, in timp ce New York-ul nu poate face acest lucru deoarece guvernul federal:

Explanation

The correct answer is that the federal government has authority over the money supply process and can create means to pay off debts. This means that the federal government can print money or issue bonds to cover its deficits, ensuring that it can continue to function without the risk of bankruptcy. On the other hand, New York does not have this authority and therefore cannot create means to pay off its debts, making it more vulnerable to the risk of bankruptcy.

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53. Expansiunea monetara transfera putere de cumparare:

Explanation

Monetary expansion transfers purchasing power from the last users of "cheap money" to the public sector and the banking system. This means that as more money is injected into the economy, the value of money decreases, leading to inflation. The last users of this cheap money, such as consumers, will experience a decrease in their purchasing power as prices rise. On the other hand, the public sector and the banking system, which have access to this newly created money, will benefit from increased funds and potentially use them for investments or other purposes.

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54. Conceptul de „cerere de bani" se refera la cantitatea de bani pe care oamenii o doresc:

Explanation

The concept of "cerere de bani" refers to the quantity of money that people want to possess or hold.

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55. Principalul avantaj pe care detinerea de bani il furnizeaza persoanelor care aleg aceasta actiune este:

Explanation

The correct answer is "flexibilitatea care insoteste lichiditatea" (the flexibility that comes with liquidity). This means that the main advantage of holding money is the ability to easily access and use it for various purposes. Money provides individuals with the flexibility to make purchases, investments, and payments whenever they need to, without any restrictions or limitations. It allows them to adapt to different situations and respond to their financial needs promptly.

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56. In anul 2011, populatia totala a unei tari era de 20 milioane locuitori, din care populatia in afara varstei de munca era de 10 milioane. Daca din populatia apta, 1 milion reunta la cautarea unui loc de munca, iar rata somajului este de 7%, atunci:

Explanation

The question states that the total population of the country in 2011 was 20 million, with 10 million of them being outside the working age. It also mentions that out of the working-age population, 1 million are actively looking for a job and the unemployment rate is 7%. To find the number of unemployed individuals, we can calculate 7% of the working-age population, which is 7% of 10 million, equal to 0.07 * 10 million = 700,000. However, since only 1 million are actively looking for a job, the number of unemployed individuals is lower, specifically 630,000.

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57. Legea lui Okun spune ca:

Explanation

The correct answer is that there is a negative relationship between the unemployment rate and the level of production. This means that as the level of production increases, the unemployment rate decreases, and vice versa. This is in line with the concept of Okun's law, which suggests that there is an inverse relationship between the two variables. When the economy is producing at a high level, there are more job opportunities available, leading to a lower unemployment rate. Conversely, when the level of production decreases, there are fewer job opportunities, resulting in a higher unemployment rate.

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58. Autorii sustin ca principala cauza a Marii crize economice a fost:

Explanation

The main cause of the Great Depression, according to the authors, was the expansion of credit throughout the 1920s accompanied by a reductionist monetary policy, which made the crisis inevitable. This suggests that the excessive lending and loose monetary policy led to an unsustainable economic bubble that eventually burst, causing the severe economic downturn.

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59. Caracterul preponderant negativ al inflatiei deriva din:

Explanation

The predominant negative character of inflation derives from the distortion of relative prices. Inflation causes prices to rise unevenly, with some goods and services experiencing larger price increases than others. This leads to a distortion in the relative prices of goods and services, which can disrupt the allocation of resources in the economy. This can result in misallocation of resources, inefficiencies, and a decrease in overall economic welfare.

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60. Expansiunea monetara:

Explanation

Expansiunea monetară se referă la creșterea cantității de bani existenți într-o economie. Această creștere a masei monetare poate duce la o creștere generalizată a prețurilor în economie, deoarece există o cantitate mai mare de bani disponibili pentru a cumpăra aceeași cantitate de bunuri și servicii. O creștere a prețurilor poate avea un impact negativ asupra puterii de cumpărare a consumatorilor și poate duce la inflație. Prin urmare, răspunsul corect este că expansiunea monetară conduce la creșterea generalizată a prețurilor.

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61. Alternativa la utilizarea banilor ca mijloc de schimb este:

Explanation

The correct answer is "barterul" because it is an alternative to using money as a medium of exchange. Barter refers to the direct exchange of goods and services without the use of money. In a barter system, individuals trade their goods or services for other goods or services of equal value. This method was commonly used before the invention of money and is still practiced in some societies or situations where money is not readily available.

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62. Politica fiscala ar putea fi deosebit de eficienta in implementarea politicii monetare in conditiile in care managerii politicilor monetare ar dori sa mareasca cheltuielile totale, dar:

Explanation

The given answer states that any or all of the options mentioned could be correct. This means that the fiscal policy could be effective in implementing monetary policy if any one or all of the following conditions are met: commercial banks want to increase the number of loans granted, the demand for money from the population has increased, or the population is willing to take on more credit. This suggests that a combination of these factors could contribute to the effectiveness of fiscal policy in implementing monetary policy.

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63. Compararea randamentului titlurilor financiare cu nivelul ratei dobanzii impune o decizie favorabila de cumparare in urmatoarele situatii:

Explanation

The correct answer states that buying financial securities is favorable when the yield level is higher than the interest rate. This means that if the expected gain from the securities is greater than the interest rate, it would be beneficial to purchase them. This suggests that investing in securities would provide a higher return compared to other options such as depositing money in a bank, where the interest rate may be lower.

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64. Un operator de bursa cumpara 500 de actiuni Antibiotice S.A. Iasi la 200 lei/bucata si vinde 700 actiuni Banca Transilvania S.A. la 500 lei/bucata, ambele pe baza de contracte cu scadenta la 6 luni. In momentul executarii contractului, cursul actiunilor Antibiotice S.A. Iasi este de 250 lei/bucata, iar al actiunilor Banca Transilvania S.A. este 400 lei/bucata. Care va fi rezultatul pe ansamblul acestor operatiuni:

Explanation

The investor bought 500 shares of Antibiotice S.A. Iasi at 200 lei per share and sold 700 shares of Banca Transilvania S.A. at 500 lei per share, both with a 6-month maturity. At the time of execution, the price of Antibiotice S.A. Iasi shares is 250 lei per share, and the price of Banca Transilvania S.A. shares is 400 lei per share. Therefore, the investor will make a profit of 95,000 lei.

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65. Conform statisticilor oficiale privind venitul si produsul national al Statelor Unite, productia si venitul real nu au reusit sa atinga din nou nivelul din 1929 dupa ce au intrat in perioada de recesiune (dupa anul 1929), decat:

Explanation

Based on the official statistics on income and national product of the United States, it took 10 years for production and real income to reach the level they were at before the recession that occurred after 1929.

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66. Cantitatea de bani oferita de autoritatile monetare:

Explanation

The correct answer is "toate variantele de mai sus sunt adevarate" because the statement implies that the quantity of money offered by monetary authorities can be equal to, greater than, or smaller than the quantity that the population wants to hold. Therefore, all the options mentioned in the question are true.

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67. O persoana care isi ia al doilea job demonstreaza astfel un nivel ridicat al cererii pentru:

Explanation

When a person takes on a second job, it demonstrates a high demand for income. This indicates that the person is seeking additional sources of income, possibly due to financial needs or goals. The focus here is on the financial aspect, rather than the value of money itself or any other factors. Therefore, the correct answer is "venit" which means income.

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68. O persoana care decide sa amane achizitia de mobila noua pentru a vedea daca preturile vor scadea demonstreaza existenta unei cereri ridicate de:

Explanation

The person who decides to postpone the purchase of new furniture to see if prices will decrease demonstrates a high demand for money. This is because they are prioritizing saving money and waiting for a better deal instead of immediately purchasing the furniture.

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69. Masa monetara totala aflata in circulatie creste atunci cand:

Explanation

When banks create new loans, they are effectively creating new money in circulation. This is because when a bank grants a loan, it creates a deposit in the borrower's account, which can then be used as a medium of exchange. As a result, the total money supply increases. On the other hand, if existing loans are being repaid at a faster rate than new loans are being granted, the total money supply would decrease. Therefore, the correct answer is that the total money supply increases when banks create new money through the granting of new loans.

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70. Daca toata productia ar fi compusa din produse realizate la comanda:

Explanation

If the entire production were composed of custom-made products, recessions would be much stronger in intensity. This is because custom-made products are usually more expensive and have a smaller market demand compared to mass-produced products. During a recession, when consumer spending decreases, the demand for custom-made products would decline even further, leading to a more severe economic downturn.

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71. Transferul prin cec al unei cereri de depunere scrisa la o banca catre o alta banca care nu dispune de rezerve excedentare confera bancii care il primeste responsabilitati suplimentare:

Explanation

When a written deposit request is transferred through a check from one bank to another bank that does not have excess reserves, the receiving bank assumes additional responsibilities. This means that the receiving bank is now responsible for managing and maintaining the excess reserves. Therefore, the correct answer is "si rezerve excedentare" (and excess reserves).

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72. Rata dobanzii pe care bancile Rezervei Federale o incaseaza de la bancile membre este denumita:

Explanation

The correct answer is "rata de discount." This term refers to the interest rate that the Federal Reserve charges member banks for loans. It is often used as a tool to control the money supply and stimulate or slow down economic activity.

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73. Detinerea de rezerve de bani:

Explanation

The correct answer suggests that holding reserves of money provides a service to those who engage in it, and the value of this service exceeds the cost paid. This implies that there are benefits or advantages to holding reserves of money, which outweigh any associated costs.

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74. Termenul „politica fiscala" inseamna:

Explanation

The term "politica fiscala" refers to the manipulation of the federal budget in an attempt to manipulate the national economy. It involves the government's actions and decisions regarding taxation, spending, and borrowing to influence economic growth, inflation, employment, and other economic indicators. This policy tool is used to stimulate or stabilize the economy by adjusting government revenue and expenditure.

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75. Marea criza din 1929-1933 a fost determinata de:

Explanation

The correct answer is "Cresterea productiei." The Great Depression of 1929-1933 was caused by a decrease in employment, an increase in the volume of credits granted, a reduction in the volume of credits granted, or an increase in production. Among these options, the most likely cause of the crisis was the decrease in production. During the Great Depression, there was a significant decline in economic activity, leading to a decrease in production levels across various industries. This decline in production resulted in widespread unemployment and a severe economic downturn.

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76. Diferentele dintre cantitatea de bani pe care populatia doreste sa o detina si cantitatea de bani pe care le-o pune la dispozitie Banca Centrala:

Explanation

Diferentele dintre cantitatea de bani pe care populatia doreste sa o detina si cantitatea de bani pe care le-o pune la dispozitie Banca Centrala incurajeaza oamenii sa isi modifice cheltuielile, economiile si deciziile de investitii astfel incat sa poata genera instabilitate economica. This means that when the population desires to hold more money than what the Central Bank provides, it can lead to changes in spending, saving, and investment decisions, which can result in economic instability.

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77. Bancilor comerciale li se permite sa creeze bani pentru ca:

Explanation

Commercial banks are allowed to create money because the public is willing to accept the bank's guarantees in exchange for other goods. This means that when people deposit money into a bank, they trust that the bank will keep their money safe and will be able to provide them with the same amount of money when they want to withdraw it. This trust allows banks to create money by lending out a portion of the deposits they receive. As long as the public continues to have faith in the bank's ability to fulfill its guarantees, the bank can continue to create money.

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78. Daca nu li se solicita prin lege bancilor sa detina rezerve egale cu un anumit procent din depozitele lor:

Explanation

If banks are not required by law to hold reserves equal to a certain percentage of their deposits, it would be more difficult for monetary authorities to control the growth of the money supply. Without reserve requirements, banks would have more freedom to lend out a larger portion of their deposits, potentially leading to excessive lending and an increase in the money supply. This would make it harder for monetary authorities to manage inflation and maintain stability in the economy.

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79. Somajul este considerat drept un esec al pietei. Pentru diminuarea sa, putem enumera urmatoarele masuri:

Explanation

The correct answer is "stimularea investitiilor, publice si private deopotriva". This is because by stimulating both public and private investments, the economy can grow and create more job opportunities, leading to a decrease in unemployment and poverty rates. This can also boost productivity and increase the overall output of goods and services in the market. By encouraging investments, the government can attract both domestic and foreign investors, which can further contribute to economic growth and development.

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80. Daca Banca Centrala cumpara obligatiuni de la populatie, atunci banca:

Explanation

When the Central Bank buys bonds from the population, it increases the money supply in the economy. This is because the Central Bank pays for the bonds by creating new money, which increases the total amount of money in circulation. Additionally, when the Central Bank buys bonds, it increases the reserves of commercial banks. This is because the money used to buy the bonds ends up in the commercial banks, increasing their reserves. Therefore, the correct answer is that it increases the money supply and the reserves of commercial banks.

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81. O politica fiscala contraciclica va produce:

Explanation

A contracyclical fiscal policy aims to stabilize the economy by adjusting government spending and taxation in the opposite direction of the business cycle. When the economy is in a downturn and the GDP is decreasing, a contracyclical fiscal policy would involve increasing government spending and reducing taxes to stimulate economic growth. This expansionary policy would lead to deficits as the government spends more than it collects in revenue. Therefore, the correct answer is "deficite atunci cand scade PIB" (deficits when the GDP decreases).

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82. Din 1931 pana in 1939, rata oficiala a somajului in Statele Unite ajungea in medie la:

Explanation

From 1931 to 1939, the official unemployment rate in the United States averaged around 19%. This means that during this period, approximately 19% of the population in the United States was unemployed on average.

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83. Lectia pe care a predat-o analiza Keynesiana dupa Marea Criza din anii 1930 a fost aceea ca:

Explanation

The correct answer is "deficitele sunt bune pentru economie". The explanation for this is that the Keynesian analysis after the Great Depression in the 1930s taught that deficits can be beneficial for the economy. According to Keynesian economics, during times of economic downturns, the government should increase its spending and run a deficit in order to stimulate economic growth and reduce unemployment. This approach is based on the belief that increased government spending can create demand and encourage businesses to invest and hire more workers, leading to economic recovery.

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84. Mecanismele monetare evolueaza in societate chiar si in lipsa asistentei sau a autorizarii guvernelor, pentru ca:

Explanation

The use of money allows people to increase their wealth through trade.

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85. Atunci cand publicul depune bani in conturile de economii in bancile comerciale:

Explanation

When the public deposits money into savings accounts in commercial banks, M1 decreases but M2 remains unchanged.

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86. Atunci cand publicul depune bani in conturile de economii in bancile comerciale:

Explanation

When the public deposits money into savings accounts in commercial banks, M1 decreases because the money is transferred from demand deposits (included in M1) to savings deposits (not included in M1). However, M2 remains unchanged because savings deposits are included in M2.

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87. Banii si venitul difera prin faptul ca banii sunt:

Explanation

The correct answer states that money is a stock at a given moment, while income is a flow over a period of time. This means that money represents the amount of wealth or resources a person has at a specific point in time, while income refers to the amount of money or resources that a person earns or receives over a certain period of time.

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88. Conform textului, principala intrebare care ii imparte pe cei care nu se pot pune de acord asupra rolului adecvat al statului in economie este:

Explanation

The main question that divides those who cannot agree on the appropriate role of the state in the economy is how well the markets function.

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89. In sistemul formelor regionale de comert liber:

Explanation

The correct answer states that in regional free trade areas, internal markets involve the free movement of goods, services, and factors of production, including capital and labor. This means that within the regional free trade area, there are no restrictions on the movement of these economic factors, allowing for greater integration and economic cooperation among member countries.

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90. Banca Centrala poate mari rezervele excedentare ale bancilor comerciale prin:

Explanation

The correct answer is "oricare din metodele enumerate mai sus" because all of the methods listed can be used by the Central Bank to increase the excess reserves of commercial banks. These methods include reducing the requirements for legal reserves, extending credits to commercial banks, and purchasing government bonds. Therefore, any of these methods can be employed by the Central Bank to increase the excess reserves of commercial banks.

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91. Falimentele pe scara larga inregistrate de bancile din Statele Unite in timpul recesiunii lungi si profunde din anii 1929-1933:

Explanation

During the Great Depression in the years 1929-1933, the widespread bankruptcies of banks in the United States forced many people to reduce their overall expenses. This is because when banks failed, people lost their savings and access to credit, making it difficult for them to afford their usual expenses. As a result, individuals had to cut back on their spending, leading to a decrease in overall consumer demand and further worsening the economic downturn.

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92. Bancile aflate sub reglementarea statului sunt limitate in capacitatea lor de a crea bani prin:

Explanation

Banks under state regulation are limited in their ability to create money by the quantity of their reserves and the reserve requirements set by the government. This means that banks must hold a certain amount of reserves, which are deposits held by the central bank, and they must meet the reserve requirements set by the government. These requirements limit the amount of money that banks can create through lending and other activities. Therefore, the correct answer is the quantity of their reserves and the reserve requirements established by the government.

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93. Modalitatea de baza prin care se realizeaza creatia monetara este:

Explanation

The correct answer is "Emiterea de moneda suplimentara de catre Banca Centrala". This means that the main way in which money creation is achieved is through the issuance of additional currency by the Central Bank. This process allows the Central Bank to increase the money supply in the economy, which can stimulate economic activity and facilitate lending by commercial banks. By issuing more currency, the Central Bank effectively expands the total amount of money in circulation, which can have an impact on inflation and interest rates.

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94. Cel mai important mijloc de schimb utilizat in prezent in Statele Unite este reprezentat de:

Explanation

The correct answer is "depozitele verificabile". This means that the most important means of exchange currently used in the United States are verifiable deposits. This suggests that electronic transactions and digital money, such as debit cards and online banking, are the primary forms of exchange in the country.

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95. Afirmatia ca autoritatile monetare nu ar face decat sa „intinda coarda" (grabind lucrurile) daca ar incerca sa anuleze recesiunea prin extinderea stocului de bani sugera ca:

Explanation

The statement suggests that commercial banks would not want to increase the level of loans to their legal capacity during a recession. This implies that commercial banks are cautious and hesitant to lend money during an economic downturn, which can further worsen the recession. Therefore, the correct answer is that commercial banks would not want to increase the level of credit to their legal capacity during a recession.

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96. Cand Banca Centrala cumpara obligatiuni, atunci:

Explanation

When the Central Bank buys bonds, it increases the money supply in the economy. This is because when the Central Bank buys bonds, it pays for them by creating new money. This increase in the money supply directly affects the M1 measure of money, which includes currency in circulation and demand deposits. Therefore, when the Central Bank buys bonds, M1 increases.

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97. Daca un client al unei banci oarecare transfera 1000 de dolari dintr-un cont de credit intr-un cont de economii:

Explanation

When a customer transfers $1000 from a credit account to a savings account in a bank, the money supply M1 remains unchanged because the total amount of money in circulation does not change. However, the money supply M2 decreases because M2 includes M1 plus certain types of savings deposits, and the transfer of funds from a credit account to a savings account reduces the amount of money in M2. Therefore, the correct answer is "M2 ramane neschimbat dar M1 scade" which translates to "M2 remains unchanged but M1 decreases".

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98. Achizitionarea de catre bancile Rezervei Federale a unor obligatiuni de stat detinute anterior de catre populatie:

Explanation

When the central bank, in this case, the Federal Reserve, purchases government bonds from the public, it increases the reserves of commercial banks. This is because when the central bank buys bonds, it pays for them by creating new money, which is then deposited into the accounts of the commercial banks. This increase in reserves allows commercial banks to lend out more money, stimulating economic activity. Therefore, the correct answer is that it increases the reserves of commercial banks.

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99. In timpul Marii Crize din anii 1930 in SUA:

Explanation

During the Great Depression in the 1930s in the USA, the volume of currency in circulation decreased. This can be inferred from the statement that "volumul de moneda aflat in circulatie a scazut", which translates to "the volume of currency in circulation decreased". This aligns with the economic conditions during the Great Depression, where there was a significant reduction in economic activity and a contraction in the money supply.

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100. Echilibrul monetar determina stabilitatea:

Explanation

Monetary equilibrium refers to a state in which the supply of money in an economy matches the demand for money. When there is monetary equilibrium, the purchasing power of money remains stable. This means that people are able to buy goods and services at a consistent rate, without experiencing significant inflation or deflation. Therefore, the stability of purchasing power is directly influenced by monetary equilibrium.

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101. Lichiditatea in sistemul bancar poate fi asigurata si de:

Explanation

The correct answer is "Rezerva minima obligatorie". The liquidity in the banking system can be ensured by the requirement of banks to maintain a minimum reserve. This reserve is a certain percentage of their deposits that banks are required to hold in cash or as deposits with the central bank. By having this reserve, banks can meet any immediate withdrawal demands from their customers and maintain stability in the banking system.

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102. Cantitatea de bani oferita populatiei de catre autoritatile monetare si sistemul bancar si cantitatea de bani reala detinuta de populatie:

Explanation

The correct answer is that the quantity of money offered to the population by monetary authorities and the banking system is always and necessarily equal to the real quantity of money held by the population. This means that the amount of money created and distributed by the authorities and banks is always matched by the amount of money held by the population.

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103. Conform manualului, capitalismul global:

Explanation

The correct answer is "este un sistem economic si politic." The passage states that global capitalism is an economic and political system.

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104. Populatia totala a unei tari este de 22.000.000 persoane,din care 2.500.000 sunt pensionari si 3.000.000 sunt copii sub 15 ani. Stiind ca 1.500.000 persoane apte de munca, nu au loc de munca, iar dintre acestia 300.000 renunta la cautarea unui loc de munca si 50.000 emigreaza atunci:

Explanation

The population of a country is 22,000,000. Out of this, 2,500,000 are pensioners and 3,000,000 are children under the age of 15. It is given that 1,500,000 working-age individuals are unemployed, out of which 300,000 give up looking for a job and 50,000 emigrate. Therefore, the number of unemployed individuals is 1,200,000. The population occupied with jobs is 15,000,000, which means that these individuals have employment. The active population, which includes both employed and unemployed individuals, is 16,500,000. The unemployment rate is calculated by dividing the number of unemployed individuals by the active population, which in this case is 1,200,000/16,500,000 = 0.069 or 6.9%.

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105. Bancile comerciale extind creditele acordate clientilor prin:

Explanation

Commercial banks extend loans to customers by using their excess reserves. When customers deposit money into their accounts, a portion of that money is held as reserves by the bank. The bank can then lend out the remaining portion of the deposited money to other customers who need loans. This allows the bank to expand its credit and provide funds to borrowers. By using their excess reserves, banks can stimulate economic activity and support the financial needs of their customers.

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106. Desi exista multe dezacorduri in randul economistilor referitor la cauzele si remediile pentru inflatie, exista un acord general asupra faptului ca:

Explanation

The given statement is a widely accepted belief among economists. It states that excessive growth in the national money supply will lead to inflation. This is because when there is an abundance of money in the economy, the purchasing power of each unit of currency decreases, leading to a general increase in prices. Inflation can have negative effects on the economy, such as eroding the value of savings and reducing consumer purchasing power. Therefore, controlling the rate of money supply growth is considered an effective way to stabilize the rate of economic growth.

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107. Care din urmatoarele intrebari este falsa?

Explanation

The correct answer is that through specialization and foreign trade, firms can achieve economies of scale because exporting production incurs additional costs. This statement implies that producing for export leads to additional expenses, which contradicts the concept of economies of scale where increased production leads to lower average costs. Therefore, this statement is false.

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108. Expansiunea creditelor determinata de Banca Centrala:

Explanation

Expansiunea creditelor determinată de Banca Centrală reduce rata dobânzii de pe piața monetară. Aceasta se întâmplă deoarece Banca Centrală furnizează lichiditate în sistemul bancar prin acordarea de împrumuturi sau cumpărarea de active financiare. Prin creșterea ofertei de bani, cererea pentru împrumuturi crește, ceea ce duce la o scădere a ratei dobânzii. Astfel, accesul la credit devine mai ieftin și mai ușor pentru bănci și consumatori, stimulând astfel investițiile și cheltuielile și contribuind la creșterea economiei reale.

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109. Tehnica fundamentala utilizata de Banca Centrala pentru a modifica rezervele excedentare ale bancilor comerciale in vederea controlului cresterii stocului de bani este:

Explanation

The correct answer is "achizitionarea sau vanzarea de obligatiuni" because the central bank can influence the excess reserves of commercial banks by buying or selling government bonds. When the central bank buys bonds, it injects money into the banking system, increasing the excess reserves of commercial banks. Conversely, when the central bank sells bonds, it absorbs money from the banking system, reducing the excess reserves of commercial banks. This allows the central bank to control the growth of the money supply and influence interest rates.

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110. Ceea ce utilizam astazi ca „mijloc de schimb" este format in intregime din:

Explanation

The correct answer is "obligatiile institutiilor de incredere". This is because the question is asking about what is used today as a "medium of exchange". Obligations of trusted institutions, such as government-issued currency or bank deposits, are commonly used as a medium of exchange in modern economies. Banknotes and articles with intrinsic value certified by the state are not as commonly used as mediums of exchange in today's economy.

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111. Un amendament constitutional care solicita un buget federal anual echilibrat:

Explanation

The correct answer suggests that a constitutional amendment requiring an annual balanced federal budget would require Congress and the president to occasionally make destabilizing decisions regarding the budget. This means that in order to maintain a balanced budget, difficult decisions may need to be made that could potentially disrupt the stability of the economy.

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112. Daca un client al unei banci oarecare are un card de credit cu care cumpara un computer cum variaza agregatele monetare?

Explanation

When a customer of a bank uses a credit card to purchase a computer, the aggregate monetary measures M1 and M2 do not change. This means that the total amount of money in circulation, as represented by M1 (which includes currency in circulation and demand deposits) and M2 (which includes M1 plus savings deposits, money market securities, and mutual funds), remains the same. The purchase of a computer using a credit card does not directly impact the money supply, as it involves a transfer of funds from the credit card issuer to the computer seller, rather than the creation or destruction of money.

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113. Politica keynesiana:

Explanation

The correct answer is "A presupus contractarea de imprumuturi si cheltuirea lor de catre guvern." This means that the Keynesian policy involved the government taking out loans and spending the borrowed money. This policy is based on the idea that increased government spending can stimulate economic growth and help overcome recessions or depressions. By borrowing and spending, the government injects more money into the economy, which can increase consumer demand and business activity. However, this approach can have negative consequences in the short term, such as increasing government debt and potentially leading to inflation.

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114. Rata solicitata a rezervelor:

Explanation

The correct answer is "functioneaza ca o constrangere asupra imprumuturilor acordate de banci." This means that the required reserve ratio acts as a constraint on the loans that banks can give out. Banks are required to keep a certain percentage of their deposits as reserves, which limits the amount of money they can lend out. This helps to ensure the stability and solvency of the banking system by preventing excessive lending and reducing the risk of bank failures.

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115. Procesele politice democratice stimuleaza politicile publice:

Explanation

Political processes stimulate public policies, which in the short term incur hidden costs borne by the unorganized and poorly informed. However, in the long term, these processes reduce hidden costs for the same group. This answer suggests that democratic political processes primarily benefit well-organized and informed interest groups in the short term.

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116. Bancile comerciale creeaza bani:

Explanation

Commercial banks create money by making loans. When a bank makes a loan, it increases the borrower's account balance, effectively creating new money. This is because the loan amount is recorded as a deposit in the borrower's account, which can then be spent or used for other purposes. This process of creating money through lending is known as fractional reserve banking, where banks are only required to hold a fraction of their deposits as reserves and can lend out the rest. Therefore, the correct answer is "facand imprumuturi".

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117. O crestere a cererii pentru garantiile la depozite oferite de bancile comerciale, in conditiile in care alte variabile raman constante, determina o crestere:

Explanation

When there is an increase in demand for deposit guarantees offered by commercial banks, it will lead to an increase in both M1 and M2 money supply. This is because the demand for deposit guarantees indicates an increase in the demand for holding money, which in turn leads to an increase in the money supply. Therefore, the correct answer is that an increase in demand for deposit guarantees leads to an increase in both M1 and M2.

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118. In „Manifestul Partidului Comunist" din 1848, Marx si Engels au descris „crizele comerciale" sau recesiunile ca pe o absurditate pentru ca:

Explanation

The correct answer suggests that Marx and Engels described "commercial crises" or recessions as absurd because they believed that the system appeared to collapse as a result of excessive production. They believed that these crises were not inherent to the capitalist system, but rather a consequence of overproduction. They argued that if production was controlled and regulated properly, these crises could be avoided.

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119. Rata dobanzii pe care Banca Centrala o vizeaza in incercarile sale de a exercita controlul asupra sistemului monetar, rata fondurilor federale, este rata dobanzii la care:

Explanation

The correct answer is "bancile comerciale imprumuta rezervele unele de la altele." This is because the federal funds rate is the interest rate at which commercial banks borrow reserves from each other. By adjusting this rate, the Central Bank can influence the overall interest rates in the economy and control the money supply.

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120. Distinctia facuta intre piata muncii nationala si cea locala are in vedere:

Explanation

The distinction made between the national and local labor market takes into account the type of traded labor services, specifically those that require high qualifications and can only be provided by individuals with higher education or those with lower qualifications that can be offered by locally available individuals, such as plumbers, auto mechanics, bricklayers, etc. This distinction is based on the level of skills and qualifications required for the labor services being traded.

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121. Managementul cererii agregate prin intermediul politicii fiscale are ca scop controlul fluctuatiilor nedorite ale productiei si venitului prin schimbarea:

Explanation

The correct answer is "cheltuielilor si taxelor de stat" because aggregate demand management through fiscal policy aims to control unwanted fluctuations in production and income by adjusting government spending and taxes. By increasing government spending or reducing taxes, aggregate demand can be stimulated, leading to increased production and income. Conversely, decreasing government spending or increasing taxes can help to reduce aggregate demand and control inflationary pressures.

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122. Inflatia reprezinta:

Explanation

Inflația reprezintă o politică deliberată a autorităților monetare. Aceasta înseamnă că autoritățile monetare, cum ar fi băncile centrale, iau măsuri pentru a crește nivelul general al prețurilor în economie. Acest lucru poate fi făcut prin măsuri precum creșterea ofertei de bani sau reducerea ratei dobânzii. Scopul unei astfel de politici poate fi de a stimula activitatea economică și de a combate deflația sau recesiunea.

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123. Hartia care promitea plata catre titular a unei cantitati specifice de moneda se numea:

Explanation

The correct answer is "bilet la banca" because it refers to a promissory note issued by a bank, which guarantees the payment of a specific amount of currency to the holder. It is a form of paper currency that can be exchanged for goods and services or deposited into a bank account.

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124. Cand Banca Centrala vinde obligatiuni, atunci:

Explanation

When the Central Bank sells bonds, the money from the sale is taken out of the economic circulation. This means that the money is removed from the economy and is no longer available for spending or investment. This action helps to reduce the money supply in the economy, which can help to control inflation and stabilize the value of the currency.

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125. Principala functie a rezervelor care sunt solicitate a fi pastrate de catre banci este aceea de:

Explanation

The main function of reserves that banks are required to keep is to limit their ability to create money.

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126. Capitalul real:

Explanation

Capitalul real se valorifica in procesul de productie. Aceasta inseamna ca capitalul real este folosit pentru a produce bunuri si servicii, generand astfel profit. Capitalul fictiv, pe de alta parte, este o valoare imaginara sau virtuala care nu poate fi utilizata pentru a produce bunuri sau servicii reale.

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127. Care dintre urmatoarele afirmatii este adevarata?

Explanation

The correct answer states that the share of export flows generated by developed countries in the total world exports is decreasing. This means that developed countries are contributing less to the overall global exports, while other countries, such as developing countries, are gaining a larger share. This could be due to various factors such as changes in global economic dynamics, shifts in production and manufacturing capabilities, and the rise of emerging markets.

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128. Conditia aplicata de catre Banca Centrala tehnicii zilnice de control a stocurilor de bani este reprezentata de:

Explanation

The correct answer is "operatiunile pe piata libera" because the Central Bank uses daily stock control techniques to monitor and regulate the liquidity in the free market. This involves monitoring the flow of money and ensuring that there is enough liquidity in the market to meet the demands of the economy. By monitoring the operations in the free market, the Central Bank can make informed decisions and take necessary actions to maintain stability in the financial system.

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129. Tururile frecvente de alegeri ii determina pe politicieni sa prefere politicile care vor produce:

Explanation

Politicians prefer policies that will produce short-term benefits and long-term costs because frequent election cycles incentivize them to prioritize immediate gains in order to appeal to voters and secure their re-election. This approach may overlook the potential long-term negative consequences of these policies, as the politicians prioritize short-term popularity over long-term sustainability.

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130. O persoana achizitioneaza 50 de obligatiuni cu o valoare nominala de 1000 lei fiecare, cu scadenta peste 3 ani. Venitul fix anual (cuponul) adus de fiecare obligatiune corespunde unei rate a dobanzii de 20%. Care este cuponul incasat de persoana respectiva in 3 ani:

Explanation

Each bond has a face value of 1000 lei and an annual fixed income (coupon) corresponding to a 20% interest rate. Therefore, the annual income from each bond is 1000 lei * 20% = 200 lei. Since the person has 50 bonds, the total annual income from all the bonds is 200 lei * 50 = 10,000 lei. Over the course of 3 years, the person will receive a total income of 10,000 lei * 3 = 30,000 lei. Therefore, the correct answer is 30,000 lei.

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131. Ce inteleg autorii prin sintagma „boom artificial si nesustenabil"?

Explanation

The authors understand the phrase "artificial and unsustainable boom" as the expansion of credit without a corresponding increase in savings, which leads to the growth of investments in non-profitable businesses.

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132. Cum variaza agregatele monetare atunci cand un client al unei banci oarecare achita un credit?

Explanation

When a customer of a bank repays a loan, both M1 and M2 decrease. M1 represents the most liquid forms of money, such as physical currency and demand deposits, while M2 includes M1 plus less liquid forms of money, such as savings accounts and time deposits. When a loan is repaid, the money that was previously in circulation is removed from both M1 and M2, leading to a decrease in both aggregates.

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133. Cantitatea de bani oferita populatiei de catre autoritatile monetare si sistemul bancar si cantitatea de rezerve monetare ceruta de populatie:

Explanation

The correct answer is "este posibil sa difere in mod substantial." This means that the amount of money offered to the population by monetary authorities and the banking system and the amount of monetary reserves demanded by the population may differ significantly. This suggests that the two quantities are not necessarily equal and can vary greatly.

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134. Daca presedintele Statelor Unite ar avea autoritatea legala de a modifica ratele de impozitare in cadrul anumitor limite sau de a initia previziuni de cheltuieli aprobate anterior de catre Congres ori de cate ori el sau consilierii lui ar ajunge la concluzia ca cererea agregata este neadecvata, politica fiscala ar deveni:

Explanation

not-available-via-ai

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135. Recesiunile se produc atunci cand:

Explanation

not-available-via-ai

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136. În conditiile in care rata naturala a somajului este de 6,2%, iar PIB creat in economie reprezinta doar 96,8% din venitul national potential, conform legii lui Okun, rata estimata a somajului este de:

Explanation

According to Okun's law, there is a negative relationship between the percentage deviation of real GDP from its potential level and the percentage change in the unemployment rate. In this case, if the actual GDP represents only 96.8% of the potential national income, it suggests a negative deviation from the potential level. As a result, the estimated unemployment rate would be higher than the natural rate of unemployment. Therefore, the correct answer is 7.8%.

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137. Politicile economice de stat reflecta foarte clar:

Explanation

The correct answer is "interesele celor aflati la putere" because politicile economice de stat reflecta de obicei interesele si prioritatile guvernului sau ale celor care detin puterea politica. Aceste politici sunt adesea formulate pentru a promova sau proteja interesele si pozitia politica a celor aflati la putere, in loc sa reflecte interesul public sau interesele majoritatii.

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138. Modalitatea de baza prin care oferta de bani creste este prin:

Explanation

The correct answer is "o crestere de ansamblu a volumului imprumuturilor acordate de bancile comerciale" which means an overall increase in the volume of loans granted by commercial banks. This is the basic way in which the money supply increases. When commercial banks grant more loans, they create new money in the form of bank deposits. This increases the overall supply of money in the economy.

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139. Banca Centrala poate mari rezervele excedentare ale bancilor comerciale prin:

Explanation

The correct answer is "diminuarea creditelor pentru bancile comerciale" because by reducing the loans provided to commercial banks, the Central Bank can increase the excess reserves held by these banks. This action effectively decreases the amount of money in circulation and helps to control inflation. By reducing credit, the Central Bank restricts the availability of funds for lending, which encourages banks to hold more reserves instead.

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140. Politica anti-inflationista presupune:

Explanation

Politica anti-inflationista presupune abandonarea expansiunii monetare. Aceasta înseamnă că guvernul nu va mai injecta bani în economie prin măsuri precum reducerea ratei dobânzii sau creșterea cheltuielilor guvernamentale. Scopul este de a controla inflația, care poate apărea atunci când oferta de bani în economie este prea mare. Prin abandonarea expansiunii monetare, guvernul încearcă să limiteze creșterea prețurilor și să mențină stabilitatea economică.

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141. In perioada electorala se va opta pentru:

Explanation

During the electoral period, contractionary policies will be chosen because they immediately reduce inflation and stimulate production.

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142. Realitatea atesta existenta unei neconcordante permanente intre structura cererii si ofertei de munca. Aceasta poate fi explicata pe baza:

Explanation

The existence of a permanent mismatch between the structure of labor demand and supply can be explained by the ongoing process of economic restructuring. This refers to the continuous changes and adjustments in the economy, such as technological advancements, globalization, and shifts in industries. These changes often lead to shifts in the demand for certain skills and occupations, creating imbalances in the labor market. As a result, there may be a persistent mismatch between the skills and qualifications of job seekers and the requirements of available job opportunities.

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Privita la modul general, piata financiara sau piata capitalului,...
Banii:
Banii:
Institutia care poate acorda credit bancilor poarta denumirea de:
Bancnotele din rezervele federale functioneaza astazi eficient in...
Cursul valutar conventional:
Piata capitalului pe termen scurt este o piata interbancara:
Daca masa monetara creste prea mult, urmarea cea mai probabila va fi:
Operatiunile cu prima simpla „a la hausse"
Care dintre urmatoarele este cel mai serios obstacol pentru obtinerea...
Care este caracteristica esentiala a unui bun utilizat ca bani?
Somajul frictional:
In luna martie, aprilie si mai, rata lunara a inflatiei a fost de 4%....
Detinatorul de actiuni are dreptul:
Principalul avantaj pe care il aveau monedele de metal asupra pieselor...
Dintre urmatoarele argumente impotriva restabilirii etalonului in aur...
Schimbari ale ratelor de impozitare sau ale cheltuielilor...
Recesiunea este cel mai bine definita ca o perioada care:
Schimbarile de la nivelul ratelor de impozitare sau al cheltuielilor...
Modul de gandire economic previzioneaza ca daca majoritatea celor care...
Daca un client retrage 5000 euro dintr-un cont la vedere si ii depune...
Ce limiteaza capacitatea unei banci nereglementate de a continua sa...
Care dintre urmatoarele institutii creaza banii din economia...
Rata somajului reprezinta raportul procentual intre:
Capacitatea unei banci nereglementate de a continua sa creeze bani pe...
Mai ales in perioadele de razboi, guvernele sunt tentate sa...
O „recesiune" poate fi cel mai bine perceputa ca:
Banii furnizeaza servicii pentru oameni:
Profitul potential al bancii este dat de diferenta dintre:
Unii economisti sustin ca politica monetara este mai putin eficace in...
In lunile ianuarie, februarie si martie, rata luanara a inflatiei a...
Istoria banilor arata ca multe societati au ales metale precum cuprul,...
Un dolar din noile rezerve excedentare furnizate sistemului bancar...
O crestere a cererii de bani din partea populatiei sugereaza ca:
Intarzierile „sincronizate" care trebuie anticipate si...
Daca agentiile guvernului federal au permisiunea de a utiliza politica...
In Statele Unite, productia si venitul real au scazut in perioada...
Un comerciant englez importa imprimante din Coreea de Sud, pentru care...
In conditiile in care, in anul 2012, importurile Romaniei au fost de...
Politicile anti-inflationiste
Cel mai bun argument pentru restabilirea etalonului in aur, in Statele...
Intarzierile de programare care trebuie prevazute si controlate daca...
Sa presupunem ca putem aprecia nivelul inflatiei dintr-o tara pe sama...
Operatiunile pe piata financiara primara sunt mijlocite de cele mai...
Echilibrul monetar reprezinta :
Ati putea crea bani folosind aceleasi metode utilizate de bancile...
Evolutia activitatii bursiere, reflectata de indicele de bursa, poate...
Inflatia permite unui numar mare de indivizi sa:
Fiecare dolar adunat la rezervele totale ale sistemului comercial...
Cei mai vechi bani din hartie erau cei emisi de banca, tipariti cu...
Functionarii Rezervei Federale, insarcinati cu responsabilitatea de a...
Guvernul federal poate functiona avand deficite foarte mari mai multi...
Expansiunea monetara transfera putere de cumparare:
Conceptul de „cerere de bani" se refera la cantitatea de bani pe...
Principalul avantaj pe care detinerea de bani il furnizeaza...
In anul 2011, populatia totala a unei tari era de 20 milioane...
Legea lui Okun spune ca:
Autorii sustin ca principala cauza a Marii crize economice a fost:
Caracterul preponderant negativ al inflatiei deriva din:
Expansiunea monetara:
Alternativa la utilizarea banilor ca mijloc de schimb este:
Politica fiscala ar putea fi deosebit de eficienta in implementarea...
Compararea randamentului titlurilor financiare cu nivelul ratei...
Un operator de bursa cumpara 500 de actiuni Antibiotice S.A. Iasi la...
Conform statisticilor oficiale privind venitul si produsul national al...
Cantitatea de bani oferita de autoritatile monetare:
O persoana care isi ia al doilea job demonstreaza astfel un nivel...
O persoana care decide sa amane achizitia de mobila noua pentru a...
Masa monetara totala aflata in circulatie creste atunci cand:
Daca toata productia ar fi compusa din produse realizate la comanda:
Transferul prin cec al unei cereri de depunere scrisa la o banca catre...
Rata dobanzii pe care bancile Rezervei Federale o incaseaza de la...
Detinerea de rezerve de bani:
Termenul „politica fiscala" inseamna:
Marea criza din 1929-1933 a fost determinata de:
Diferentele dintre cantitatea de bani pe care populatia doreste sa o...
Bancilor comerciale li se permite sa creeze bani pentru ca:
Daca nu li se solicita prin lege bancilor sa detina rezerve egale cu...
Somajul este considerat drept un esec al pietei. Pentru diminuarea sa,...
Daca Banca Centrala cumpara obligatiuni de la populatie, atunci banca:
O politica fiscala contraciclica va produce:
Din 1931 pana in 1939, rata oficiala a somajului in Statele Unite...
Lectia pe care a predat-o analiza Keynesiana dupa Marea Criza din anii...
Mecanismele monetare evolueaza in societate chiar si in lipsa...
Atunci cand publicul depune bani in conturile de economii in bancile...
Atunci cand publicul depune bani in conturile de economii in bancile...
Banii si venitul difera prin faptul ca banii sunt:
Conform textului, principala intrebare care ii imparte pe cei care nu...
In sistemul formelor regionale de comert liber:
Banca Centrala poate mari rezervele excedentare ale bancilor...
Falimentele pe scara larga inregistrate de bancile din Statele Unite...
Bancile aflate sub reglementarea statului sunt limitate in capacitatea...
Modalitatea de baza prin care se realizeaza creatia monetara este:
Cel mai important mijloc de schimb utilizat in prezent in Statele...
Afirmatia ca autoritatile monetare nu ar face decat sa „intinda...
Cand Banca Centrala cumpara obligatiuni, atunci:
Daca un client al unei banci oarecare transfera 1000 de dolari...
Achizitionarea de catre bancile Rezervei Federale a unor obligatiuni...
In timpul Marii Crize din anii 1930 in SUA:
Echilibrul monetar determina stabilitatea:
Lichiditatea in sistemul bancar poate fi asigurata si de:
Cantitatea de bani oferita populatiei de catre autoritatile monetare...
Conform manualului, capitalismul global:
Populatia totala a unei tari este de 22.000.000 persoane,din care...
Bancile comerciale extind creditele acordate clientilor prin:
Desi exista multe dezacorduri in randul economistilor referitor la...
Care din urmatoarele intrebari este falsa?
Expansiunea creditelor determinata de Banca Centrala:
Tehnica fundamentala utilizata de Banca Centrala pentru a modifica...
Ceea ce utilizam astazi ca „mijloc de schimb" este format in...
Un amendament constitutional care solicita un buget federal anual...
Daca un client al unei banci oarecare are un card de credit cu care...
Politica keynesiana:
Rata solicitata a rezervelor:
Procesele politice democratice stimuleaza politicile publice:
Bancile comerciale creeaza bani:
O crestere a cererii pentru garantiile la depozite oferite de bancile...
In „Manifestul Partidului Comunist" din 1848, Marx si Engels au...
Rata dobanzii pe care Banca Centrala o vizeaza in incercarile sale de...
Distinctia facuta intre piata muncii nationala si cea locala are in...
Managementul cererii agregate prin intermediul politicii fiscale are...
Inflatia reprezinta:
Hartia care promitea plata catre titular a unei cantitati specifice de...
Cand Banca Centrala vinde obligatiuni, atunci:
Principala functie a rezervelor care sunt solicitate a fi pastrate de...
Capitalul real:
Care dintre urmatoarele afirmatii este adevarata?
Conditia aplicata de catre Banca Centrala tehnicii zilnice de control...
Tururile frecvente de alegeri ii determina pe politicieni sa prefere...
O persoana achizitioneaza 50 de obligatiuni cu o valoare nominala de...
Ce inteleg autorii prin sintagma „boom artificial si...
Cum variaza agregatele monetare atunci cand un client al unei banci...
Cantitatea de bani oferita populatiei de catre autoritatile monetare...
Daca presedintele Statelor Unite ar avea autoritatea legala de a...
Recesiunile se produc atunci cand:
În conditiile in care rata naturala a somajului este de 6,2%,...
Politicile economice de stat reflecta foarte clar:
Modalitatea de baza prin care oferta de bani creste este prin:
Banca Centrala poate mari rezervele excedentare ale bancilor...
Politica anti-inflationista presupune:
In perioada electorala se va opta pentru:
Realitatea atesta existenta unei neconcordante permanente intre...
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