Empirical Study Regarding The Influence Of The Gdp And Interest Rate On The Non-Government Credit. Study Case For Romania
AbstractDespite the stimulating effect of measures taken by the central bank, we notice the tendency of stagnation of non-government credit, started in the fourth quarter of 2008. Delayed economic recovery, credit costs still high and the manifestation of a more cautious attitude of banks, and customers, indicated the maintaining of current trends for the year 2011. Therefore, in this paper, we proposed ourselves to analyze the influence of the GDP and interest rate on the non-government credit using the regression function. We will then establish the correlations between these indicators, emphasize the changes that appeared over the years and the measures to be taken in order to improve the loan portfolio quality in the Romanian banking system.
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Bibliographic InfoArticle provided by University of Craiova, Faculty of Economics and Business Administration in its journal Annals of Computational Economics.
Volume (Year): 4 (2011)
Issue (Month): 39 (May)
critical; interest rate; non-government credit; study; loan portfolio.;
Find related papers by JEL classification:
- G01 - Financial Economics - - General - - - Financial Crises
- G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
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- Jeffery D Amato & Eli M Remolona, 2003. "The credit spread puzzle," BIS Quarterly Review, Bank for International Settlements, December.
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