In a modern economy, the financial sector plays an important role due to the financial intermediation, namely the channeling of funds from depositors to investors, which it provides. A sound and efficient financial sector encourages the accumulation of savings and allows their allocation to the most productive investments, thus supporting innovation and economic growth. In the Republic of Moldova, the main financial intermediaries are banks. Taking into account the multitude of dangers to financial stability caused by globalization, it is necessary to take measures related both to the gradual liberalization of the capital account, accompanied by an increase in the efficiency of macroeconomic policies and prudential supervision, as well as to the sufficient development of financial systems.