THE CONCEPT OF THE CREDIT POTENTIAL OF THE BANK AND THE FACTORS THAT DETERMINE IT

Victoria Cociug and Victoria Postolache
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Victoria Cociug: Academy of Economic Studies, Chisinau, Republic of Moldova
Victoria Postolache: Alecu Russo Balti State University, Republic of Moldova

Journal of Financial and Monetary Economics, 2022, vol. 10, issue 1, 124-130

Abstract: In the context of the economic crisis, caused, among other things, by the COVID-19 coronavirus pandemic, banks faced a shortage of attracted financial resources as a result of falling incomes of the population, bankruptcy of enterprises, and rising unemployment. The lack of financial resources provoked an outflow of depositors from banks. At the same time, for the same reasons, the demand for credit services of banks increased. The study is aimed at improving methodological approaches to the concept and structure of the credit potential of banks. In particular, there is no single approach to the definition of the concept of "credit potential of the bank", its structure, as well as the factors influencing it. In addition, there is no consensus on the formation of a methodology for assessing the bank's credit potential.

Keywords: credit potential of banks; economic crisis; bank (search for similar items in EconPapers)
JEL-codes: E43 E58 (search for similar items in EconPapers)
Date: 2022
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