Financial, economic and moral crisis – vector of durable development

The financial, monetary and banking crisis of 2008 started as a matter of crediting subpremiums in the United States only on the 2nd Quarter of the year and extended quickly in the 3rd Quarter in Western European and then in th e4th Quarter in the Center and Eastern Europe and even far away in Asia. The main ways of appearance are: lack of liquidity on the financial and banking market, as well as the important drop of the stocks values on the stock exchange market. There were a few resounding bankruptcies in the USA, two-three more important in the EU (showed below) that determined the Europeans to be more united as ever and to avoid thus such phenomena on the territory of the EU. The real cause of the crises repetition is in reality the defective individual and social EDUCATION. Hence, it is mandatory to change the way the citizens are educated during their entire life. <p>Paper: http://ccefa.spiruharet.ro/materiale/dder.pdf