Remarks on Interest Rate Risk Management

Elena-Violeta Dragoi and Oana-Mihaela Ilie
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Elena-Violeta Dragoi: Valahia University of Targoviste, Romania
Oana-Mihaela Ilie: Valahia University of Targoviste, Romania

Economics and Applied Informatics, 2016, issue 3, 71-76

Abstract: Bank interest and interest rate risk management is a contemporary subject and for socio-economic environment of Romania cause serious consequences in the level of economic development. The purpose of this research is to highlight the main indicator that measures the total cost of a loan, namely the annual percentage rate (APR), because if we refer to an interest rate lower, at first glance that loan seems more advantageous, but at a closer look, taking into account the commissions charged by the bank, we see that the loan is more expensive compared to another, whose interest rate is higher.

Keywords: APR; Commission; Interest margin; Interest rate; Interest rate risk management (search for similar items in EconPapers)
Date: 2016
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Persistent link: https://EconPapers.repec.org/RePEc:ddj:fseeai:y:2016:i:3:p:71-76

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