A
Abilitat................... 11, 76, 97, 109, 125, 137, 152, 160
Acord prealabil....... 26, 27
Acordarea creditului 8, 21, 27, 30, 37, 44, 45, 60, 74, 85, 87, 88, 89, 91, 107, 113, 115, 125, 135, 136, 143, 154, 158, 159, 163
Act autentificat....... 134
Acte comunitare..... 8, 10, 14, 44, 85
Activitate bancarã... 22, 23, 45, 61, 104, 106, 107, 109, 111, 112, 114, 117, 118, 122, 124, 127, 130, 135, 137, 148, 153, 155, 158, 159, 160, 165, 169, 180
Agent constatator... 152
Amendã.................. 69, 70, 71, 72, 73, 77, 79, 81, 152, 153, 171
Anulare.................. 74, 138, 152, 161, 163
Armonizare maximalã.......................................................................................... 32, 35, 131
Armonizarea legislaþiei.............. 5, 10, 11, 14, 104, 110, 115, 120, 128, 130, 136, 138, 140
Asigurare
asigurarea creditului................................................................................................... 123
Asigurare
asigurarea bunului........................................................................................ 13, 123, 126
Asociaþii familiale... 93, 112, 162, 166
Augmentarea valorii totale a creditului............................................................................... 64
Autoritate
autoritate competentã...................................................................................... 23, 38, 138
Autoritatea Naþionalã pentru Protecþia Consumatorilor................................................ 11
Autorizare
autorizare specificã....................................................................................................... 23
Avans
avans................. 4, 26, 37, 42, 52, 56, 57, 74, 111, 117, 118, 122, 127, 133, 144, 145, 147
avans în cont curent...................................................................... 4, 37, 56, 57, 133, 145
B
Bancã
bancã................. 13, 22, 40, 68, 72, 73, 76, 80, 82, 88, 104, 105, 106, 108, 109, 111, 114, 118, 119, 120, 122, 124, 132, 144, 151, 155, 158, 159, 160, 161, 163, 164, 165, 166, 180
Banca Naþionalã a României 6, 12, 86, 101, 104, 105, 106, 107, 108, 109, 110, 111, 112, 113, 114, 115, 117, 118, 119, 120, 121, 122, 123, 125, 127, 128, 130, 133, 135, 136, 137, 138, 154, 157, 158, 159, 160, 161, 162, 163, 164, 171
Baza centralizatã de date........................................................................................ 44, 45, 62
Bilet la ordin........... 4, 19, 27, 55, 80, 81, 150, 151, 160, 161
Bonitate
bonitate............. 107, 117, 122, 162
Bun
bun care constituie obiectul contractului............................................................. 127, 132
bun de folosinþã îndelungatã....................................................................... 105, 112, 132
C
Cambie................... 27, 55, 81, 103, 150, 151, 160, 161
Caracter neprofesional................................................................................................. 67, 95
Card
card................... 5, 6, 15, 19, 20, 25, 28, 38, 39, 42, 46, 48, 69, 120, 121, 122, 124, 133, 142, 147, 155, 156, 157, 158
card de credit..... 19, 20, 25, 38, 39, 121, 122, 124, 147
Categorie de credit.. 9, 19, 37, 40, 70, 104, 110, 112, 119, 122, 132, 133, 164
Cec......................... 27, 55, 150, 151, 160, 161, 163
Cerinþe prudenþiale bancare.............................................................................................. 158
Cesiune.................. 55, 103
Cheltuieli solicitate de terþi......................................................................................... 47, 142
Clauzã
clauzã abuzivã... 9, 16, 21, 25, 53, 54, 62, 64, 82, 153
clauzã contractualã.................................................................................. 43, 63, 130, 138
clauzã nenegociabilã................................................................................................... 118
Comerciant............. 6, 15, 22, 25, 40, 51, 67, 94, 101, 107, 108, 111, 112, 114, 119, 120, 124, 125, 126, 127, 129, 132, 140, 144, 151, 153, 162, 165, 166, 167, 168, 171, 172, 173, 177, 180
Comisia de supraîndatorare................................................... 5, 92, 93, 95, 96, 98, 100, 171
Comision................ 13, 46, 50, 60, 76, 84, 136
Competenþã
competenþã alternativã................................................................................................ 129
competenþa de soluþionare a litigiilor............................................................................ 69
competenþã obligatorie................................................................................................ 129
Conciliere............... 6, 96, 97, 99, 100, 158
Condiþii
condiþii esenþiale ale contractului de credit............................................................ 18, 146
Conformitate.......... 9, 11, 18, 20, 25, 27, 40, 41, 49, 51, 56, 59, 61, 63, 64, 72, 99, 106, 112, 114, 116, 121, 127, 129, 133, 138, 141, 145, 146, 147, 148, 155, 160, 162, 167, 179
Consiliere............... 23, 27, 60, 62, 151
Consultanþã............ 151
Consum
consum............. 2, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 15, 17, 19, 21, 22, 28, 29, 32, 34, 35, 36, 39, 40, 63, 66, 67, 68, 70, 75, 76, 77, 86, 91, 92, 104, 105, 106, 107, 108, 110, 111, 112, 113, 114, 117, 118, 119, 121, 122, 123, 124, 125, 126, 127, 128, 129, 130, 131, 132, 133, 135, 136, 137, 138, 139, 140, 141, 146, 148, 149, 152, 154, 155, 157, 159, 160, 163, 164, 165, 166, 180
consum final..... 112
Consumator............ 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 69, 71, 72, 73, 74, 80, 81, 82, 83, 84, 85, 86, 87, 88, 89, 90, 91, 92, 93, 102, 110, 112, 120, 125, 127, 128, 129, 130, 131, 132, 133, 134, 135, 136, 138, 139, 140, 141, 142, 144, 145, 146, 147, 148, 149, 150, 151, 152, 153, 154, 157, 165, 168, 175, 176, 177, 181
Cont curent............. 12, 20, 24, 25, 28, 38, 121, 133, 134, 145, 146, 147, 151
Conþinutul contractului de credit.................................................................................. 39, 50
Contract
contract bancar de credit............................................................................................. 169
contract de adeziune........................................................................................... 118, 125
contract de credit 4, 5, 6, 9, 11, 16, 17, 18, 19, 20, 21, 22, 24, 25, 26, 27, 29, 30, 31, 36, 37, 38, 39, 40, 41, 42, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 67, 68, 69, 72, 73, 74, 75, 76, 77, 78, 82, 85, 87, 90, 101, 102, 105, 106, 107, 108, 109, 110, 114, 117, 118, 119, 123, 124, 125, 126, 127, 130, 131, 132, 133, 134, 136, 137, 138, 139, 140, 141, 142, 143, 144, 145, 146, 147, 148, 149, 150, 152, 153, 154, 155, 160, 163, 164, 169
contract de credit destinat consumului 4, 9, 17, 21, 25, 27, 37, 40, 42, 50, 53, 76, 85, 87, 90, 102, 109, 110, 139, 154, 163
contract de garanþie 4, 21, 36, 37, 49, 50, 51, 58, 60, 62, 64, 79, 80, 95, 107, 131, 147, 169
contract de locaþiune............................................................................... 20, 38, 112, 132
contract în afara spaþiilor comerciale............................................................................. 16
contract la distanþã...................... 9, 16, 21, 23, 40, 42, 43, 51, 53, 62, 63, 134, 140, 141
Control judiciar...... 56
Cost
cost total al creditului 3, 6, 24, 25, 28, 29, 30, 31, 33, 39, 42, 43, 46, 54, 55, 57, 68, 83, 141, 142, 143
costul creditului. 13, 17, 18, 27, 28, 32, 33, 36, 54, 138, 150
Cotizaþie................. 30, 102
Creanþã
creanþã............... 55, 58, 59, 60, 66, 78, 88, 89, 92, 95, 96, 97, 98, 99, 100, 101, 102, 105, 111, 136, 150, 151, 168, 169, 171, 172, 173
creanþã fiscalã.... 99
Credit
credit afectat...... 9, 73, 113, 114, 122, 124, 125, 127
credit comercial. 107, 132, 149, 160, 170
credit destinat consumului 2, 3, 4, 8, 9, 10, 11, 12, 14, 15, 16, 17, 18, 19, 21, 22, 23, 28, 29, 32, 33, 34, 35, 36, 37, 39, 40, 43, 44, 53, 61, 64, 66, 67, 68, 76, 77, 81, 82, 83, 84, 85, 86, 87, 89, 90, 91, 92, 102, 104, 113, 130, 154, 157, 159, 180, 181
credit gratuit...... 67, 68, 69
credit imobiliar.. 4, 9, 19, 32, 53, 67, 76, 77, 110, 132, 165
credit ipotecar.... 12, 87, 109, 123, 155
credit transfrontalier..................................................................... 17, 32, 33, 35, 45, 128
valoarea creditului........................ 24, 55, 62, 68, 69, 114, 117, 118, 135, 141, 143, 149
Creditor.................. 34, 60, 68, 79, 82, 93, 94, 95, 96, 97, 98, 100, 101, 106, 119, 127, 131, 134, 136, 137, 138, 141, 143, 144, 145, 146, 148, 149, 150, 152, 168, 169, 171, 172, 173, 177
D
Date cu caracter personal........................................... 15, 36, 41, 45, 89, 115, 116, 117, 175
Debitor................... 4, 5, 34, 56, 57, 76, 79, 80, 81, 82, 87, 92, 93, 94, 95, 96, 97, 98, 99, 100, 101, 102, 111, 114, 118, 119, 120, 123, 127, 135, 136, 155, 156, 157, 158, 159, 165, 166, 168, 169, 171, 172, 173
Decizie
decizia de acordare a creditului....................................................... 85, 89, 158, 159, 163
Depozit................... 26, 31, 37, 54, 73, 74, 106, 111, 122, 147
Descoperire în cont 24, 38, 43, 59, 68, 82, 83
Destinaþia creditului 9, 41, 107, 125
Directive comunitare.......................................................... 5, 10, 11, 21, 104, 106, 110, 130
Dobândã
dobândã anualã efectivã globalã 18, 24, 25, 28, 29, 30, 31, 32, 33, 37, 38, 39, 42, 43, 46, 47, 48, 49, 50, 52, 54, 57, 62, 63, 82, 142, 143, 144, 145
dobânda cãmãtãreascã............................................................................................ 62, 78
dobândã de referinþã............................................................................... 42, 48, 119, 145
dobândã debitoare.............................................. 36, 39, 42, 47, 49, 54, 55, 59, 142, 145
dobânda legalã.. 74, 82, 83, 97, 113, 118, 119, 170, 171, 179
dobândã totalã a împrumutului............... 4, 36, 39, 42, 43, 46, 47, 48, 49, 141, 142, 145
rata dobânzii...... 4, 24, 30, 43, 46, 48, 82, 83, 101, 120, 135, 143
Documentaþie
documentaþie de credit................................ 105, 114, 115, 117, 118, 131, 134, 135, 144
Domeniu de aplicare 3, 6, 18, 19, 20, 23, 32, 33, 36, 37, 38, 40, 52, 62, 66, 67, 68, 77, 102, 106, 108, 110, 120, 130, 131, 132, 133, 134, 135, 139, 140, 141, 148, 153, 155, 160, 165, 166, 167
Drept
drept de rambursare anticipatã...................................................................................... 50
drept de retractare............................................................. 42, 43, 50, 51, 52, 53, 74, 145
drept la compensaþie....................................................................................... 27, 55, 150
drepturi ale consumatorilor............. 18, 26, 27, 51, 54, 55, 134, 146, 147, 148, 150, 153
Durata creditului..... 24, 28, 31, 47, 70, 143
E
Efective globale...... 18, 25, 28, 29, 32, 33, 37, 38, 49, 76, 77, 78
Elemente de cost..... 30, 31, 49, 50, 146
Elemente excluse din calculul dobânzii anuale................................................................... 32
Eºalonare a datoriilor personale....................................................................................... 169
Executare
executare succesivã...................................................................................................... 73
executarea contractului de credit............................................................................. 75, 76
Extras de cont......... 24, 57, 145
F
Facilitate de platã.... 18
Facilitate financiarã. 18, 131
Facultatea de retractare..................................................................................... 51, 71, 72, 74
Falimentul instituþiilor de credit....................................................................... 165, 166, 180
Fiºier
fiºier de interes general............................................................................................... 161
fiºier negativ..... 86, 87, 156
fiºier pozitiv...... 87, 89, 156
Formã scrisã........... 24, 82
Forme ale creditului destinat consumului............................................................................. 8
Formular
formular detaºabil de ofertã.......................................................................................... 70
Furnizor
furnizor de bunuri.......................................................... 22, 26, 36, 43, 56, 60, 137, 148
furnizor de servicii......................................................................................... 17, 43, 172
G
Garant.................... 19, 21, 30, 32, 33, 36, 37, 41, 44, 45, 48, 50, 51, 55, 58, 59, 60, 61, 62, 64, 69, 79, 80, 81, 83, 95, 110, 114, 122, 123, 135, 136, 143, 145, 147, 149, 153, 169
Garanþie
garanþii.............. 4, 5, 9, 20, 21, 26, 30, 36, 37, 40, 41, 44, 45, 48, 49, 50, 51, 53, 54, 58, 59, 60, 62, 63, 64, 66, 79, 80, 83, 95, 96, 99, 107, 111, 114, 116, 117, 118, 122, 123, 124, 126, 127, 129, 131, 135, 139, 143, 144, 145, 147, 149, 150, 152, 153, 169, 179
Grup de interes economic.................................................................................. 93, 167, 178
I
Împrumut
împrumut personal......................................................................................... 2, 9, 38, 92
împrumut responsabil......................................................................... 36, 45, 63, 64, 152
împrumut transfrontalier............................................................................................... 87
Împrumutãtor......... 4, 5, 9, 17, 18, 19, 21, 22, 23, 24, 26, 27, 30, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 43, 44, 45, 46, 47, 48, 49, 50, 52, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 68, 69, 70, 71, 72, 73, 74, 75, 77, 78, 79, 81, 84, 85, 87, 90, 91, 102, 105, 106, 107, 108, 114, 115, 116, 117, 118, 119, 122, 123, 124, 125, 133, 136, 137, 139, 141, 142, 144, 149, 150, 152, 154, 159, 163
Închiriere
închiriere........... 38, 66, 67, 75, 77, 131
închiriere cu opþiune de cumpãrare................................................................. 66, 77, 131
Incident de platã
incident de platã 32, 44, 72, 79, 86, 96, 154, 157, 158, 160
Îndatorare............... 3, 14, 34, 35, 44, 86, 88, 90, 92, 94, 96, 105, 115, 144, 156, 181
Informare............... 6, 9, 17, 19, 20, 23, 24, 25, 30, 32, 35, 36, 39, 41, 42, 43, 48, 49, 50, 57, 63, 64, 66, 86, 87, 89, 96, 117, 133, 143, 144, 145, 159, 163
Informaþie de risc bancar............................................................. 6, 155, 156, 157, 158, 159
Înscris constatator
înscris constatator......................................... 5, 6, 18, 24, 50, 68, 77, 117, 126, 145, 146
înscris constatator al contractului de credit....................... 5, 6, 18, 24, 50, 117, 145, 146
Instanþa competentã 68, 128
Instituþie
instituþie............ 20, 23, 24, 37, 38, 60, 62, 70, 72, 73, 79, 80, 82, 83, 88, 93, 106, 114, 118, 119, 123, 124, 125, 126, 127, 128, 133, 138, 145, 152, 155, 157, 158, 159, 164, 169, 173
instituþie de credit 20, 24, 37, 38, 60, 70, 73, 79, 80, 87, 88, 97, 106, 108, 109, 118, 119, 123, 124, 126, 127, 133, 145, 155, 156, 157, 158, 159, 169
Instrument de platã
instrument de platã............................................... 20, 120, 121, 124, 133, 145, 151, 160
instrument de platã electronicã.................................................................... 120, 121, 133
Intermediar de credit 22, 23, 32, 35, 36, 37, 41, 43, 49, 51, 54, 56, 60, 61, 62, 63, 80, 136, 137, 144, 152
L
Leasing
leasing............... 9, 22, 38, 47, 66, 112, 131, 132, 148, 149, 175, 176
leasing financiar 9, 132
Limitã de raportare. 155, 159
Limitarea riscului de credit................................................................................. 12, 104, 110
Listã negativã......... 30, 143
Livrarea bunului..... 52, 73, 114
Locaþiune
locaþiune............ 2, 20, 23, 38, 47, 66, 75, 112, 132, 143
locaþiune cu opþiune de cumpãrare.................................................................. 20, 47, 143
M
Mediator al datoriilor............................................................................................... 101, 171
Metoda comunitarã unicã de calcul al dobânzii anuale efective globale.................. 29, 32, 33
Metoda de calcul al dobânzii anuale efective globale................................................... 18, 32
Mijloc de informare 133
Modificarea dobânzii....................................................................................................... 119
Momentul încheierii contractului 24, 26, 30, 49, 54, 57, 58, 67, 71, 82, 83, 127, 143, 145, 147
N
Norme interne de creditare....................................................................... 107, 117, 118, 122
Nulitate................... 76, 79, 82, 84, 152, 153, 170
O
Obligaþie
obligaþie de informare......................... 20, 24, 25, 41, 43, 48, 49, 57, 133, 144, 145, 159
obligaþie de sfãtuire.............................................................................................. 87, 144
Ofertã
ofertã................. 4, 6, 13, 18, 20, 22, 23, 32, 36, 39, 40, 44, 60, 61, 68, 69, 70, 71, 72, 73, 76, 83, 130, 133, 134, 138, 139, 141
oferta creditului. 6, 18, 20, 23, 60, 130, 134, 138, 139
ofertã prealabilã. 69, 70, 71, 72, 73
Operaþiune de creditare................................................ 67, 77, 110, 112, 113, 120, 122, 126
Organisme adecvate............................................................................................. 23, 62, 151
Organizaþii cooperatiste de credit..................................................................................... 106
P
Penalitate de întârziere................................................................................................. 59, 79
Persoanã declarantã 155, 156, 157, 160, 161, 163
Persoanã fizicã
persoanã fizicã.. 4, 5, 6, 9, 11, 15, 21, 22, 28, 34, 39, 41, 44, 50, 56, 60, 67, 72, 79, 82, 85, 86, 87, 89, 90, 91, 93, 95, 96, 100, 101, 102, 105, 106, 107, 108, 109, 110, 112, 113, 115, 116, 117, 121, 123, 126, 130, 132, 133, 135, 136, 137, 154, 155, 157, 160, 161, 162, 163, 164, 165, 166, 167, 168, 169, 170, 171, 172, 177
Plafonul creditului.. 26, 31, 47, 145, 146
Plan convenþional de redresare............................................................................ 96, 99, 100
Plan de reglementare amiabilã.......................................................................................... 101
Plângere................. 27, 81, 83
Platã
platã eºalonatã... 19, 26, 63, 133, 147, 152
platã în rate........ 22, 23, 126, 128, 148, 149
platã suplimentarã....................................................................................................... 150
plãþi eºalonate.... 19, 26, 63, 133, 147, 152
Prestator de servicii 22, 26, 36, 60, 69, 74, 137, 148
Preþ......................... 25, 29, 42, 46, 47, 48, 53, 69, 74, 82, 84, 88, 97, 112, 125, 126, 127, 129, 142, 144, 147, 149, 170
Principiul proporþionalitãþii................................................................................................ 58
Probaþiune.............. 52, 58
Procedurã
procedura de executare silitã....................................................................................... 168
procedura de reglementare colectivã a datoriilor................................................. 101, 102
procedura falimentului........................................ 127, 156, 165, 166, 167, 171, 172, 173
procedura reorganizãrii judiciare................................................ 156, 165, 166, 167, 168
Protecþia vieþii private.................................. 5, 36, 44, 45, 85, 86, 89, 90, 91, 115, 157, 176
Protecþie a intereselor economice ale consumatorilor........................................... 21, 65, 139
Publicitate
publicitate.......... 4, 6, 9, 16, 18, 20, 22, 23, 30, 39, 44, 61, 68, 69, 78, 80, 83, 100, 129, 130, 134, 138, 139, 141, 143, 153, 177
publicitate comparativã........................................................................... 16, 39, 138, 139
publicitate înºelãtoare............................................................................. 16, 39, 138, 139
R
Rambursare
rambursare anticipatã.................................. 26, 50, 54, 55, 59, 69, 76, 84, 146, 147, 150
rambursare imediatã..................................................................................................... 75
Raporturi de drept internaþional privat..................................................................... 128, 129
Rãspundere
rãspundere civilã........................................................................................................ 152
rãspundere pentru defectul produselor........................................................................... 9
rãspundere solidarã.............................................................................................. 56, 148
Reclamaþie.............. 23, 27, 51, 62, 63, 151
Reconstituirea capitalului........................................................................... 4, 55, 56, 57, 150
Recuperarea creanþelor..................................................... 59, 60, 89, 98, 102, 168, 169, 172
Recurs.................... 43, 51, 63, 68, 72, 73, 81, 83, 95, 96, 152
Reducere................ 26, 34, 54, 64, 71, 80, 96, 97, 99, 101, 108, 147, 150
Reducere echitabilã a costului creditului.................................................................... 54, 150
Refuzul acordãrii creditului.................................................................................. 44, 91, 154
Refuzul la platã a cecurilor, a cambiilor ºi a biletelor la ordin.......................................... 161
Regimul sancþiunilor.................................................................................................. 63, 152
Reglementarea colectivã a datoriilor................................................................................... 34
Reglementarea extrajudiciarã a litigiilor............................................................................. 63
Restituirea împrumutului............................................................................................. 75, 90
Retragerea autorizaþiei...................................................................................... 137, 138, 152
Returnarea bunului. 51, 56, 84, 149
Rezilierea contractului de credit......................................................................................... 64
Rezoluþiune............ 74
Rezolvarea pe cale amiabilã a litigiilor............................................................................. 152
Risc
risc de credit...... 12, 104, 110, 123, 124
risc de nerambursare.................................................................................................. 109
risc global......... 155, 156, 157, 158
risc individual... 155, 156, 159
S
Sancþiune
sancþiune contravenþionalã.......................................................................................... 152
sancþiuni specifice pentru împrumutãtor............................................................... 63, 152
Scadenþã
data scadenþei.... 147
scadenþã............ 58, 68, 69, 70, 75, 83, 86, 95, 97, 101, 105, 107, 114, 115, 116, 117, 118, 120, 122, 123, 156, 165, 168, 169, 172
Scadenþar................ 31, 47
Secret profesional... 144, 155
Securitate................ 5, 9, 12, 91, 96, 97, 114
Servicii sociale....... 172
Serviciu financiar... 15, 21, 40, 42, 43, 52, 53, 63, 140, 141
Sfãtuire................... 4, 6, 39, 40, 43, 79, 87, 88, 144, 159
Sisteme de înregistrare a creditelor........................................................ 85, 89, 91, 154, 157
Societate comercialã......................................................... 108, 125, 127, 128, 162, 165, 167
Societãþi de asigurare ºi reasigurare................................................................................. 166
Somaþie
somaþie de platã. 127, 168, 169
Spaþiu comercial..... 9, 16, 21, 23, 40, 71, 139, 140
Sucursale din România a bãncilor strãine........................................................................ 108
Supraîndatorare...... 5, 33, 34, 36, 77, 85, 86, 87, 91, 92, 93, 94, 95, 96, 97, 98, 100, 101, 102, 105, 115, 153, 154, 163, 165, 171, 177
Supraveghere......... 23, 123, 140, 162, 163, 166
T
Termen
termen de graþie. 19, 81, 96, 147, 169
termen de rambursare............................................................................................. 31, 47
termen de reflectare........................................................................ 26, 33, 51, 52, 70, 73
termen de retractare.................................................................................... 52, 69, 71, 74
Titlu executoriu...... 5, 102, 124, 126, 148, 168, 169
Transferul fondurilor................................................................................................. 29, 142
U
Utilizator................ 121, 131, 132, 159, 161, 162
V
Vânzare
vânzare în rate... 2, 8, 19, 78, 108, 111, 113, 114, 118, 124, 125, 126, 127, 128
vânzare pe credit......................................... 108, 111, 112, 113, 114, 118, 123, 124, 148
vânzare-cumpãrare..................................................... 9, 21, 26, 124, 125, 126, 132, 148
