The liberalized regime in any economy aims to perform three functions: the mobilization of saving (the pooling effect), the allocation of saving to the investment projects (the allocation effects) and the facilitation of payment system operations (operational effect). These functions impact tremendously the developmental trend of the economy and impact its consequences both at short and long terms. In this context, the issue of which channels allow the bank to perform best their allocation mechanisms of the saving towards the profitable investment is a controversial one as the question is currently asked about whether the state or the market oriented perspective is more able to adjust rationally between the allocation costs and its revenues. This paper tries to highlight the steps of the market oriented perspectives on the efficiency system and their impact on the economic prosperity.
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