The specific nature of banking activities and its role for the economy of a country preserve a special way of organizing, being also the most regulated field. The regulation is given in each country by the national banking law, which is meant to create conditions for normal competition between credit institutions. For EU member states the legislative framework is given by the European directives transposed into national regulations. In an economy, banks (credit institutions in general) have a double role: the financial intermediation in saving-investing relationship, a decisive relationship for economic growth. In other words, banks attract resources and place them in the economy mainly by distributing credits; - Banks are the transmission mechanisms of monetary policy whose effectiveness depends on the state of health of the banking system and of the entire economy.