PERFORMANCE-RELIABILITY – THE MAIN SUBJECT OF THE BANKING ANALYSIS OF THE CREDITED SOCIETIES

Avram (boitos) Camelia and Belenesi (bumba) Marioara
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Avram (boitos) Camelia: 1st DECEMBER 1918 UNIVERSITY OF ALBA IULIA, ROMANIA
Belenesi (bumba) Marioara: 1st DECEMBER 1918 UNIVERSITY OF ALBA IULIA, ROMANIA

Annals - Economy Series, 2013, vol. 6, 21-27

Abstract: Since the crediting activity occupies the primary role in any banking institution, the necessity of study and its analysis is required by following some steps both at a microeconomic level and at a macroeconomic one. Going over the theme, which aims at the importance of a thorough study of the clients' reliability for highlighting the existing risks in the banking activity in general, and particularly in the crediting activity, becomes as more interesting as their approach at the level of the member states of the European Union tends towards a common theme. Starting from these premises, we have considered as being extremely important the selection of a research theme which aims at the risks in the crediting activity, emphasizing the analysis of the clients' reliability both in the decision of crediting in order to assume the risk of credit and in determining the financial and banking performances. Being given the complexity of the existing risks in the banking activity in general and particularly of the credit risk, the clients' reliability represents an extremely important field, of research and application, bearing in mind both the actual stage of developing the Romanian banking system and the attempts of its alignment to the requirements imposed by the European Union. Keywords: crediting, reliability, performance

Date: 2013
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