SOME HINTS ON INDIVIDUAL LENDING AND DIFFERENT FACTORS AFFECTING THE CREDIT ACTIVITY RISKS

Luminiţa Cernenco () and Marilena Pieleanu Lazarenco ()
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Luminiţa Cernenco: MA student, ”Spiru Haret” University, Faculty of Economic Sciences, Bucharest, Romania,
Marilena Pieleanu Lazarenco: MA student, “Spiru Haret” University, Faculty of Economic Sciences, Bucharest, Romania,

Annals of Spiru Haret University, Economic Series, 2016, vol. 16, issue 4, 67-72

Abstract: The credit activity responds to real economic necessities within its objective features (the production stimulation, the increase of competition, a sounder correlation between the capital needs and the possibilities of forming it). Times proved that the human beings use to live and act through loans and credits as they contribute to the relationships explosion with all partners, in all activities, in the most complex way. The credit activity developed exponentially with the loans portfolio both in products and in services. Nowadays, it is difficult to find a person or a company developing activity beyond the banking crediting. The present paper intends to reflect particular situations in which the Banking Law no. 58/1998 (updated) contributed to the economic and commercial activities development via particular products and services provided by banks in credits and loans.

Keywords: individual loans; credit; activity risk; warranty (search for similar items in EconPapers)
JEL-codes: C10 (search for similar items in EconPapers)
Date: 2016
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