The last decades have been characterized by a series of profound changes in the world economy, which are reshaping the fabric of interdependencies on the basis of which it operates. The socio-economic development of modern society has brought to the fore new phenomena that need to be studied and has imposed the need to use appropriate ways to approach them in the light of scientific progress. Financial instability and the economic crisis facing most countries in the world have become hot topics of economic research, economic and financial policies. Modern economic theories reject the idea of a general theorizing of economic and financial crises, according to which they can be framed in a valid general model, considering that each financial crisis is unique, each actually representing a historical accident, generated by specific factors, in a certain social-economic and political conjuncture. Due to the high degree of financing and complexity reached by developed national economies and the world economy, economic cycles in recent decades have been determined by monetary and financial flows, or in other words, the evolution of economies from one phase to another of the economic cycle is determined by significant changes in cash and financial flows. The crisis, like other phenomena, is part of the life of people, of human society. It is in itself a period of dysfunction in which all the mechanisms of operation of the whole system as a whole have been exhausted, which require viable solutions, meant to ensure a change of the damaged processes.