Asigurări

Asigurări de persoane

Rolul asigurărilor de persoane la sporirea şi consolidarea bugetelor familiare.

Asigurările de persoane sunt o măsură suplimentară de prevedere şi de economisire pe termen lung pentru cetăţinii şi pentru familiile lor în legătură cu producerea unor evenitemte în viaţa acestora. Aceste asigurări completează asigurările sociale şi asistenţa socială în ceea ce priveşte satisfacerea cerinţelor populaţiei în caz de pierdere a capacităţii de muncă, de bătrâneţe sau in caz de deces.

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Colonul iritabil

Colonul iritabil reprezintă o patologie funcţională cu mare răspândire în populaţie. O mare parte din pacienţii consultaţi ambulator în gastroenterologie prezintă un tablou de tip colon iritabil.

Colonul iritabil reprezintă o boală funcţională, caracterizată prin tulburare de tranzit, ce constă în general din alternarea constipaţiei cu diareea, dureri abdominale difuze (în general sub forma unor crampe), uneori emisia de mucus. Nu fac parte din acest tablou: rectoragia, anemia sau pierderea ponderală.

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Sansele economiei de piaţă

Dacă există ceva despre care nu se poate spune că sistemul capitalist duce lipsă sunt profeţii sfarşitului său. Primul a fost Marx, cu sumbra sa sentinţă: “Ceasul din urmă al proprietăţii private capitaliste a sunat”.

A urmat un lung şir de variaţii pe aceeaşi temă. După mai mult de un secol, un alt lider al mişcării comuniste internaţionale nu acorda nici el vreo şansă capitalismului: “Problemele şi crizele trăite de lumea capitalului… sunt rezultatul logic al contradicţiilor antagoniste interne ale vechii societăţi.

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Operatiunile institutiilor de credit

Activitatea bancara se desfasoara prin institutii de credit autorizate, în conditiile legii. Institutia de credit reprezinta:

  1. entitatea care desfasoara cu titlu profesional activitate de atragere de depozite sau alte fonduri rambursabile de la public si de acordare de credite în cont propriu;
  2. entitatea emitenta de moneda electronica, alta decît cea prevazuta la lit. a), denumita institutie emitenta de moneda electronica.
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Insolvabilitatea

Noţiunea insolvabilităţii

Activitatea comercială este una dintre cele mai vechi activităţi umane. Ea a apărut din primele momente în care omul a realizat conceptul de proprietate, delimitând astfel sfera bunurilor ce-i aparţineau de ceea ce aparţinea celorlalţi. Practicat iniţial sub forma schimbului, comerţul a constituit un instrument utilizat de oameni pentru a-şi acoperi necesităţile imediate ale vieţii de zi cu zi.

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Bauturile nealcoolice

Se pare ca lumea a început sa înteleaga faptul ca organismul nostru, pentru a functiona cat mai bine, are nevoie de o cantitate apreciabila de lichide. Iar industria si comertul au fost pe faza, oferind o gama întreaga de bauturi nealcoolice si raspandind ideea ca apa de la robinet n-ar fi sanatoasa.

Asa se face ca, în momentul de fata, în SUA se consuma de doua ori mai multe bauturi carbogazoase decat acum 25 de ani. Din nefericire, multi nu stiu ca aceasta crestere a contribuit la obezitate, carii dentare si osteoporoza si întreaba: Nu constituie bauturile nealcoolice o modalitate excelenta de a consuma mai multe lichide?

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Fara paine nu se poate

Nimic nu e mai apetisant ca aroma si gustul unei paini de casa

Se pare ca s-a uitat ca painea e un aliment foarte hranitor, ce trebuie sa constituie o componenta esentiala a unui stil de viata sanatos. În comparatie cu celelalte produse cerealiere, painea contine mai multa energie si mai multi nutrienti.

Aceasta pentru ca o parte a apei adaugate în cursul pregatirii se evaporeaza, produsul final fiind bogat în energie. Auzind acest cuvant, unii evita painea, de teama de a nu se îngrasa.

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Cancerul colo-rectal

Cancerul colo-rectal reprezintă o problemă de sănătate publică, având în vedere că în multe ţări europene este primul pe lista neoplaziilor. Chiar dacă neoplasmul pulmonar predomină la bărbaţi, iar cel ginecologic la femei, însumarea pe cele două sexe face ca, în multe state, neoplasmul colorectal sa fie prima cauză de malignitate.

Epidemiologie

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Bolile inflamatorii intestinale

Bolile inflamatorii intestinale au drept caracteristică inflamaţia intestinală şi sunt reprezentate de boala Crohn şi de colita ulcerativă(sau rectocolita ulcero-hemoragică).

Epidemiologie

Aceste boli digestive sunt relativ răspândite în ţările dezvoltate din emisfera nordică, cu existenţa unui evident gradient nord-sud (mult mai răspândite în Scandinavia decât în Peninsula Iberică), dar şi a unui gradient vest-est (al dezvoltării, al civilizaţiei). De aceea, în România, chiar dacă RUH a existat cu o oarecare frecvenţă, totuşi formele severe sunt rare.

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Societatea pe acţiuni

Definiţia şi tipurile societăţilor pe acţiuni

Societăţile pe acţiuni s-au dezvoltat într-o perioadă relativ recentă. Concepută în secolul XII ca instrument de expansiune colonială, cu caracter prevalent public, societatea pe acţiuni se constituia prin voinţa autorităţii publice, pe cale de concesiune administrativă şi servea intereselor publice.

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Societăţile comerciale

Scurtă privire asupra cauzelor care au determinat crearea societăţilor comerciale şi evoluţia istorică a acestora

Omul nu este în stare să-şi atingă singur toate scopurile sale şi, odată cu sporirea nevoilor lui, asocierea a devenit inevitabilă. Ideea de „societate” s-a născut şi s-a dezvoltat din cauze de ordin economico-social. Viaţa socială, fiind rezultatul unui întreg proces de sinteză, a transformat raporturile umane de coexistenţă în raporturi de cooperare. În aceste condiţii, a generat ideea cooperării între mai mulţi întreprinzători, care să realizeze împreună astfel de activităţi.

Această idee şi-a găsit expresia, în contextul dreptului, în conceptul de societate comercială, care implică asocierea a două sau mai multe persoane, cu punerea în comun a unor resurse, în vederea desfăşurării unei activităţi economice şi împărţirii beneficiilor obţinute.

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Concepţii de bază privind investiţiile

Conceptul de investiţie

Nici o economie, fie agrară, fie industrială, postindustrială sau informaţională, nu poate pretinde la dezvoltare, dacă nu este susţinută financiar. Investiţiile, în modul cel mai direct, sînt tratate drept reper şi promotor al dezvoltării economice contemporane.

Cuvântul „investire” este de origine latină (investire = a îmbrăca, a acoperi) şi a apărut în limbajul economic, cu sensul de a face un efort bănesc iniţial pentru atingerea unor scopuri ulterioare. S-ar părea ca însăşi etimologia cuvântului „investire” ne sugerează semnificaţia acestui fenomen. Însă, analizând definiţiile existente în literatura clasică şi contemporană, am constatat că „investiţiile” sunt tratate în mod diferit.

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Cultura legumelor

Legumele sau zarzavaturile prezintă o importanţă economică deosebită.  Ele sunt produse de origine vegetală cu rol important în alimentaţia omului datorită însuşirilor senzoriale deosebite şi a elementelor nutritive valoroase pe care le conţin (glucide, enzime, acizi organici, vitamine, săruri minerale).

Din punct de vedere economic, legumele contribuie la realizarea unor venituri băneşti importante pentru cultivatori, iar din punct de vedere social, legunmicultura oferă posibilităţi de folosire a forţei de muncă pe tot parcursul anului.

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Dispepsia funcţională

Dispepsia funcţională reprezintă o suferinţă funcţională (nu are substrat organic), caracterizată printr-o simptomatologie localizată în abdomenul superior şi având ca manifestări durerile epigastrice, plenitudinea, balonarea sau disconfortul.

Aproximativ 70-80% din pacienţii ce se adreseaza medicului gastroenterolog au o simptomatologie situată în abdomenul superior, dar explorarile moderne nu pot pune în evidenţă prezenţa unor leziuni organice (ulcer gastro-duodenal, neoplasm gastric, litiază biliară, pancreatită cronică etc.). Aceşti bolnavi sunt cei încadraţi ca având dispepsie (disconfort) funcţională (adică fără un substrat organic). Restul de 20-30% din pacienţii cu simptomatologie abdominală superioară au o dispepsie organică (deci leziuni organice care generează suferinţa).

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Cancerul gastric

Cancerul gastric reprezintă pentru România o problemă importantă, având în vedere frecvenţa lui încă mare. Neoplasmul gastric reprezintă în lume o cauză importantă de mortalitate prin cancer.

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Marketing

Introduction to Marketing Mix

In this lesson, we will introduce you to the activities that comprise a firm’s marketing program. These activities are popularly referred to as the 4 Ps – product, price, place and promotion. After you work out this lesson, you should be able to:

  • Understand the major product decisions in marketing planning
  • Know the pricing objectives and the factors that influence the pricing decisions
  • Appreciate the role of marketing channels and understand the important channel decisions to be taken
  • Comprehend the Promotion Mix of marketing and the different elements in the promotion mix
  • Learn how the 4 Ps combine to create effective marketing programs
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Market Segmentation, Targeting and Positioning

In this lesson, we will introduce you to the activities, viz., segmentation, targeting and positioning, that are collectively referred to as marketing strategy. After you work out this lesson, you should be able to:

  • Segment the markets based on several segmentation variables
  • Target a segment by identifying the fit between segment profitability and organizational capability
  • Position your product/service so that it occupies a distinct and valued place in the target customers’ minds
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Buyer behaviour

In this lesson, we will introduce you to the process through which the ultimate buyer makes purchase decisions. After you work out this lesson, you should be able to:

  • Identify what stimulates a consumer to consider buying
  • Describe the buyer’s decision making process and the several factors which influence this decision
  • Understand the response of the buyer to the marketing and other stimuli
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Internal Marketing versus External Marketing

Abstract: International marketing orientation requires modern concepts of economic activities in accordance with the requirements and specific foreign markets (national, multinational, global) in order to meet their current and future needs with maximum efficiency. The need for knowledge of international marketing occurs when we have to realize, to sell and promote goods and services to consumers and users in other countries.

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Marketing Environment

In this lesson, we will introduce you to the forces that define marketing’s external environment. After you work out this lesson, you should be able to:

  • Identify, analyze and monitor external forces and assess their potential impacts on the firm’s goods and services
  • Understand how marketers formulate their strategy within the frame of reference provided by the forces in the external environment

In this lesson, we will discuss the following:

Marketing Process

Objectives of Marketing Process

In this lesson, we will introduce you to the activities that makeup the marketing process. After you work out this lesson, you should be able to:

  • Identify the parts of the marketing process
  • Understand the relationships among the parts of the marketing process
  • Explain how the marketing process creates, captures and sustains value for the customer
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Marketing Concepts

Objectives of marketing concepts

In this lesson, we will introduce you to the conceptual ideas that makeup the marketing function of a business. After you work out this lesson, you should be able to:

  • List out the concepts of marketing
  • Understand how these concepts are interconnected
  • Explain how marketing is changing in a connected world
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Introduction to Marketing

In this lesson, we will introduce you to the business function of marketing. After you work out this lesson, you should be able to:

  • Define marketing and the utility (value) it creates for the customer
  • Trace the origin of marketing and explain how it has evolved
  • Describe the elements of a marketing strategy
  • Understand the scope of marketing
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Definition and trends within Purchasing Management

The aim of this chapter is to provide the reader with an introduction to Purchasing Management in order to fully appreciate the book. The chapter presents the book's definition of Purchasing Management as well as briefly presenting the potential benefits with working at a strategic level with purchasing activities for a corporation.

Furthermore trends and historical developments within the area of Purchasing Management will be presented.

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Purchasing Organization

The structure of the purchasing department is especially important in external and internal networks. The organizational model must facilitate activities in different strategic levels as well as cope with changes in external environment. By adjusting formalization and centralization levels, the organization can be positioned to best support the organization.

However, no universal solution exists, as the right structure is highly company specific and dynamic over time. Therefore, this is one of the major challenges that Purchasing Management confronts within business networks.

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Purchasing management and internal collaboration

Strategic purchasing is most often associated with external relations. However, purchasing integration and internal collaboration are the enablers of every corporate strategy. The aim of this chapter is to explain the connections between purchasing and the company's competitive priorities as well as emphasize the need for interdepartmental collaboration.

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Sourcing Strategies of Purchasing Management

Sourcing Strategies of Purchasing Management

Sourcing is the activity of securing external components or services needed within the own internal organization. Companies employ different kinds of sourcing strategies and no one is declared to be the optimum solution. Outsourcing which is the foundation to choice of sourcing strategies also intends to align with a company's core competence focus.

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International Financial Reporting Standards

A reporting entity (which we will call “entity” from here onwards) is either a company or a group of companies, which are all controlled by the same decision maker, i.e. normally the same board of directors. This occurs when the board of directors of a company controls directly or indirectly a number of other companies, by holding directly or indirectly the absolute or relative majority of the voting rights of other companies.

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Analysis and interpretation of the annual report

Statement of changes in equity: its contents and informational aims

The statement of changes in equity shows a detail of the changes of the equity from the beginning to the end of the year. The main reason for the equity to change is, as explained in section 4.3 above, due to the retained profit contribution to the distributable reserves. However, many other events can affect the equity.

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Introduction to Accounting

Accounting Information

You likely have a general concept of what accountants do. They capture information about the transactions and events of a business, and summarize that activity in reports that are used by persons interested in the entity. But, you likely do not realize the complexity of accomplishing this task. It involves a talented blending of technical knowledge and measurement artistry that can only be fully appreciated via extensive study of the subject.

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We begin our study of microeconomics by looking at a market with many buyers and sellers, i.e. a market where there is a large amount of competition. We will study such a market in more depth in Perfect Competition, as well as other market types, but starting here makes it easy to get a feel for how the subject works.

Demand

The Demand Curve

The demand curve shows what quantities of a good buyers are willing to buy at different prices. Note the expression “are willing.” It is not about how much they actually buy, but about how much they would want to buy if a certain price was offered. A demand curve is only valid if all other relevant factors are held constant (ceteris paribus: with other things the same). The most important other factors that can affect demand are:

The buyers’ income.

 

Prices and price changes on other goods. We will make a distinction between complementary goods and substitute goods. An example of complementary goods is right and left shoes. If the price of right shoes rises then the demand for right shoes will typically decrease. However, the demand for left shoes will also typically decrease. Consequently, the demand for left shoes partly depends on the price of another good: right shoes.

Substitute goods work in the opposite way. An example could be blue and green pens: If one cannot use blue, one can often use green instead. If the price of green pens rises, the demand for green pens typically decreases. However, if the price of blue pens is unchanged one can use these instead of the green ones, and then the demand for blue pens increases. Consequently, the demand for blue pens depends on the price of another good: green pens.

Note that for substitute goods, a rise in the price of the other good leads to an increase in the demand for the good we are analyzing, whereas for complementary goods it is the other way around; a rise in the price of the other good leads to a decrease in the demand for the good analyzed.

Preferences. What consumers demand is largely a matter of taste. If there is a change in taste, there is usually also a change in demand. Taste can change for many different, underlying, reasons. For example, changes in moral perception or in fashion.

If these factors are held constant, then the demand curve is valid and it usually slopes downwards. In other words, the lower the price is the higher is the demand, and vice versa. Demand is defined for a certain period. One can for example think of it as defined over a month, corresponding to a monthly salary. When drawing a demand curve in a diagram, the quantity demanded is on the X-axis and the price is on the Y-axis. This is slightly odd, since we often think of the quantity demanded as a function of the price, not the other way around. There are historical reasons for drawing it this way.

When do We Move along the Demand Curve, and When Does It Shift?

The relation between price and quantity that is described by the demand curve is valid only if it is the price of the good itself that changes. Look at Figure 2.1 and the demand curve D1. If, in the beginning, the price is p1, then the quantity demanded is Q1 (point A). If the price of the good falls to p2, then the quantity demanded changes to Q2 (point B). We, consequently, move along the demand curve when the price of the good changes.

The Demand Curve

Figure 2.1: The Demand Curve

If, instead, something else changes (e.g. income, the prices of other goods,consumer preferences, or anything that affects the demand on the good), then the demand curve shifts. Assume again that the price is p1 so that the quantity demanded is Q1 (point A). If the consumer’s income increases, she can buy more of the good than she could before. Consequently, the whole demand curve shifts from D1 to D2. If the price is still p1, the quantity demanded increases to Q3 (point C).

Supply

The Supply Curve

The producer counterpart to the demand curve is the supply curve. It shows how large quantities the producers are willing to sell at different prices, given that other factors that can affects supply are held constant. The supply curve is typically upward sloping or horizontal (but it could also be downward sloping).

The demand curve is also valid over a certain period. Later, we will distinguish between two time periods: short and long horizons. The most important factors, beside the price, that affect supply are:

  • Factor prices , i.e. wages, prices of machines and compensation to owners and lenders. In other words, changes in the cost of production.
  • Laws and regulations that apply to the production.
  • Prices of other goods the firm produces or could potentially produce. Perhaps the producer is producing blue and green pens. If the price of green pens rises, she is likely to shift over resources (workers and machines) to that production and there is less left with which to produce blue pens. Consequently, the supply of blue pens decreases, even though the price of blue pens is unchanged.

The Supply Curve

Figure 2.2: The Supply Curve

The supply curve behaves in a way that is similar to that of the demand curve. Look at Figure 2.2 and the supply curve S1. If the price isp1, then the producers are willing to sell the quantity Q1 (point A). If the price of the good falls to p2, we move along S1 to point B, where the quantity is Q2. If, instead, some other factor changes, e.g. if wages increase so that it becomes more expensive to produce the good, the whole supply curve shifts. For instance from S1 to S2. If the price is still p1, then the quantity supplied changes from Q1 to Q3 (point C).

Equilibrium

A market is in equilibrium when both of these conditions are fulfilled:

  • No agent wants to change her decision or strategy.
  • The decisions of all agents are compatible with each other, so that they can all be carried out simultaneously.

If we join the supply and demand curves in one diagram, we get an equilibrium point where the two curves intersect. At this point, the price the consumers are willing to pay is the same as the price the producers demand. In Figure 2.3, the equilibrium price (market-clearing price) is p* and the equilibrium quantity is Q*.

Equilibrium

Figure 2.3: Equilibrium

The equilibrium point has two important properties in that it is most often (but not always) stable and self-correcting. That it is stable means that, if the market is in equilibrium there is no tendency to move away from it. That it is selfcorrecting means that, if the market is not in equilibrium then there is a tendency to move towards it.

To see more clearly what this means, suppose the price is higher than in equilibrium, e.g. that it is p2. At that price, producers are willing to supply the quantity Q1 whereas the consumers are only willing to buy the quantity Q2. Therefore, there is an excess supply of the good. To get rid of the extra units the producers are prepared to lower the price. This will push the price downwards, closer to p*. At p*, there is no excess supply and the downward push on the price ends.

Then assume, instead, that the price is lower than p*, e.g. that it is p3. At this price, the consumers demand the quantity Q3 whereas the producers are only willing to supply the quantity Q4. Consequently, there will be a shortage of the good, and the consumers will be prepared to bid up the price to get more units.

This will tend to push the price upwards, closer to p* where, again, the push will end.

How to Find the Equilibrium Point Mathematically

Supply and demand can be written as mathematical functions, and in simple examples, they are often straight lines. They could, for instance, be:

 Supply and demand can be written as mathematical functions

Here, QD is the quantity demanded, QS is the quantity supplied, and p is the price. We now want to find the price, p*, that makes QD = QS. If the left-hand sides above are equal, the right-hand sides must also be so. Therefore, substitute p* for p and set the right-hand sides equal to each other:

85+ 30p* + 185+ 20p*

To get p* alone on the left-hand side, we add 20 p* on both sides and subtract 85 from both sides. Then we have that

50p* =100.

Dividing by 50 on both sides yields the result that

p* = 2

If we then want to know the equilibrium quantity, Q*, we substitute the result we got for p* into either the supply or the demand function above. (Note that they must yield the same quantity, since p*, by definition, is the price that makes QD = QS.)

 Supply and demand can be written as mathematical functions

Consequently, we have the equilibrium price, p* = 2, and the equilibrium quantity, Q* = 145.

Price and Quantity Regulations

Many markets are, for a number of reasons, regulated. The government could for instance decide about prices that the market is not allowed to go above or below, or about maximum quantities. Such regulations will benefit certain groups of people, but often have unintended negative side effects. These are often called secondary effects.

Minimum Prices

Minimum prices (also called price floors) are often used for wages (the price of labor) and for certain types of goods such as agricultural goods. The minimum price is usually chosen above the equilibrium price, as in the opposite case it would not have any effect. (The market participants would then choose p* instead.) Consumers and producers are consequently prevented from reaching the equilibrium price p*.

Look at Figure 2.4. The effect of the minimum price is that the consumers only demand the quantity Q2 whereas the producers supply the quantity Q1. Therefore, we get an excess supply of the good.

Note that consumers and producers are allowed to buy and sell at any price above the minimum price. A price higher then pmin will however result in an even larger excess supply, so typically the minimum price is chosen.

The situation described is not an equilibrium. To see that, note that point 2 in the definition of an equilibrium (see Section 2.3) is not satisfied: Given the price pmin producers want to sell the quantity Q1, but that is not possible since the consumers only want to buy the quantity Q2.

The Effect of a Minimum Price

Figure 2.4: The Effect of a Minimum Price

Maximum Prices

Maximum prices (also called price ceilings) are in several countries used for apartment rentals. For a maximum price to have any effect, it has to be below the equilibrium price, and the effects are the opposite to those of a minimum price. In Figure 2.5, pmax is the maximum price. It causes the consumers to demand

the quantity Q1 whereas the producers only want to supply Q2, and, consequently, there is a shortage. A typical consequence of a maximum price is that the search time to find an appropriate good is increased since the supply is too small to meet the demand.

The Effect of a Maximum Price

Figure 2.5: The Effect of a Maximum Price

Quantity Regulations

The effects of quantity regulations are similar to those of price regulations. Assume for instance that there is a restriction stating that one may only import the quantity Qmax of a certain good, say Asian textiles.

The Effect of a Quantity Regulation

Figure 2.6: The Effect of a Quantity Regulation

Producers would have been willing to supply the quantity Qmax at a price of pS, whereas the consumers would have been willing to buy that quantity at a price of pD. Since the quantity is not allowed to increase, there is excess demand at all prices other than pD. When there is excess demand, consumers are likely to bid up the price, so the price that this market is likely to arrive at is pD. Note that at the price pD, producers are willing to supply a much larger quantity, Q1, but that they are prevented from doing so by the regulation. The consumers

have to pay a price that is larger than the equilibrium price (pD instead of p*) and they get fewer units of the good, so they typically are made worse off by a quantity regulation.

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