Maria Lenuta Ulici Babes-Bolyai University   ulici_maria@yahoo.com Faculty of Economics and Business Administration Teodor Mihali Street, no. 58-60 Cluj-Napoca, Cluj 400591 Romania   ulici_maria@yahoo.com             JEL Areas: G1 : General Financial Markets: General (includes Measurement and Data) E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General