https://economy-sociology.ince.md/index.php/Economy_and_Sociology/issue/feedEconomy and Sociology2025-09-29T17:08:09+03:00Open Journal Systems<p>Theoretical and scientifical journal</p>https://economy-sociology.ince.md/index.php/Economy_and_Sociology/article/view/246ENSURING THE EFFICIENCY OF FINANCIAL SUPERVISION THROUGH FEE-BASED SYSTEMS: A COMPARATIVE APPROACH2025-09-29T17:00:41+03:00Daniela Dermengidanieladermengi@gmail.com<p>The article examines the role of banking supervision from a new perspective, shaped by the increasingly volatile<br>and complex nature of financial services. Unlike most existing studies, which predominantly focus on compliance<br>or prudential rules, this article highlights the need to transition from compliance-based banking supervision to a<br>proactive supervisory framework that can anticipate shocks. It contributes to the scientific literature on banking<br>supervision by redefining supervision not merely as a regulatory obligation but as a strategic investment in the<br>long-term sustainability of the banking sector. A key innovation of the article lies in linking supervisory efficiency<br>with sustainable funding mechanisms, qualified human capital, and technological innovation. While these elements<br>are often discussed separately in the literature, they are rarely integrated into a comprehensive analysis. The article<br>examines the experiences of various countries in financing banking supervision activities and assesses their impact<br>on institutional efficiency. The study offers a new analytical perspective on how sustainable funding enhances<br>institutional independence, strengthens resilience, and promotes economic growth. This approach opens new<br>avenues for rethinking how supervision should be designed to remain effective in an increasingly complex financial<br>environment.</p>2025-09-29T00:00:00+03:00Copyright (c) 2025 Economy and Sociology