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OPTIMIZATION OF MORTGAGE LOANS GRANTING PROCEDURES

Teodora Barbu, Iustina Boitan and Ion Radu Zilişteanu ()

Theoretical and Applied Economics, 2008, vol. 12(517)(supplement), issue 12(517)(supplement), 18-23

Abstract: The regulation of Romanian banking system credit activity is the subject of an ample adjusting process, its final objective being the elaboration of a rigorous, and in the same time flexible legal framework, individualized for each credit institution. Therefore, it is desired to keep management responsible for the clear establishment of their business strategy and for the accurate evaluation of their activity’s risk profile. In the context of increasing banking competition and of the dynamics recorded on credit market, credit institutions proceeded to the elaboration of internal credit regulations, validated by NBR, in order to optimize their credit granting decision, both from the standpoint of financial products supplied, and of eligibility criteria involved.

Keywords: mortgage loan; eligibility criteria; optimization process; Data Envelopment Analysis; Principal Component Analysis. (search for similar items in EconPapers)
Date: 2008
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