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ASPECTS AND TRENDS OF CREDITING THE ROMANIAN ECONOMY IN LEI AND FOREIGN CURRENCY DURING THE PRE- AND POST-ACCESSION PERIODS

Gheorghe Zaman ()

Romanian Journal of Economics, 2013, vol. 36, issue 1(45), 5-29

Abstract: The paper analyses the relationship between credits with denomination in lei and euro in the Romanian economy in the pre and post-accession periods, trying to highlight some structural characteristics of different types of deposits and loans from the viewpoint of interest rate levels and agreed maturity in the case of households and population. The main problem is related to the impact and vulnerabilities of predominance of credits denominated in euro in a national economy where the leu is the official currency. The bank lending is decomposed into lending to enterprises and lending to households in order to find out their important characteristics in an international comparative context. Which could be the optimal relationship between crediting in euro and crediting in lei?

Keywords: bank loans; credits and deposits denominated in euro versus national currency leu; vulnerabilities of euro credits; types of deposit and loan; interest rate. (search for similar items in EconPapers)
JEL-codes: E43 E51 G21 (search for similar items in EconPapers)
Date: 2013
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