Households’ overdue loans: signs from the money and labor markets , March 2011, Bogdan Moinescu and Adrian Codirlasu , paper defended at the Symposium on Financial Stability organized by Romanian-American Unversity, DOFIN, CFA Romania and AAFBR, April 2011 and at the Tenth International Conference on Informatics in Economy, Academy of Economic Studies, Bucharest, May 2011 Presentation EN Presentation RO