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The issue of assessing the usefulness of macro-prudential policy instruments currently applied in the banking sector is quite relevant in the light of current legislative changes and requires in-depth study in light of the recommendations of the BASEL III standards. The aim of the research is to assess the usefulness of the set of macro-prudential policy instruments in relation to systemic banking risks. Research methods. A systematic approach and economic-statistical methods were used. Following the research, the steps to achieve the necessary macroprudential policy in assessing the usefulness were identified macro-prudential policy instruments in accordance with the purposes of their application, recommended by the Basel III standards, applied in the banking sector of the Republic of Moldova.

Financial inclusion has a significant role in increasing the quality of life of citizens, as it represents the model of access to financial products and services in order to meet their development needs in a sustainable and responsible way. In this article, we are aiming to analyse the educational deficiencies of the Republic of Moldova, resulting in low financial inclusion of the population, as well as to provide certain solutions to increase the level of economic education of the population at different stages of the educational process. The opportunity to study this subject refers to the need to implement various solutions in order to ensure an acceptable level of financial inclusion, which primarily involves the participation of educational institutions in the formation of financial skills and financial literacy. In order to study the subject approached in the article, there were used the following research methods: analysis, synthesis, induction, deduction, comparison, etc. The research results include the selection from the literature of the concepts on financial inclusion, financial education and their importance for the economic development, research on this subject based on the analysis of the education system in the Republic of Moldova and the formulation of the most relevant research findings, resulting in recommendations for actions needed to be implemented actions needed to be implemented in the emerging countries, such as the Republic of Moldova in order to increase the level of financial inclusion.

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At the beginning of the 21st century, the world economy entered a qualitatively new stage of its development, one of the main characteristics of which is the active development of the processes of financial globalization and integration of financial markets. The interdependence of the financial and banking systems of different countries is increasing significantly, which makes them more open and at the same time vulnerable to global crises. The aim of the research is to analyze the changes made in the banking system following the globalization process and their usefulness for increasing the competitiveness of commercial banks. Research methods. A systematic approach and economic-statistical methods were used. In the context of the globalization of the world economy, banks with competitive advantages, experience and financial capabilities are expanding abroad, contributing to the transnationalization of banking activities and bank capital, the consolidation of financial and credit institutions and the increase of competition in the banking sector.