The Analysis of Financial Conditions Imposed by Banks for the Approval of Long Term Credits Requested by Economical Agents

Riana Iren Radu

Ovidius University Annals, Economic Sciences Series, 2010, vol. X, issue 2, 684-687

Abstract: Amid economic crisis, more and more companies are facing financial deficits. In these circumstances it is necessary to find solutions to finance economical activity. Given the demand contraction and financial blockade, calling the long-term loans for development or at least maintaining the basic business parameters, it appears strongly as an attractive option for economical agents. Unfortunately, due to pronounced financial risk on this period of crisis and due to currency loans required by the state, banks have been tightening ever more theirs conditions and it have been increasing the collateral requirements also. In this debate, I am proposing to shortly describe the necessary steps to be taken for credit obtaining, and also to make a critical analysis of financial conditions imposed by banks for the approval of long term loans. Shortly exemplification of reliability analysis made by banks on this occasion, through financial indicators, will be also done.

Keywords: credit crisis; guarantees; payment terms (search for similar items in EconPapers)
JEL-codes: G G2 G21 (search for similar items in EconPapers)
Date: 2010
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Citations: View citations in EconPapers (2)

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Persistent link: https://EconPapers.repec.org/RePEc:ovi:oviste:v:10:y:2010:i:2:p:684-687

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