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Bank lending in Romania in 2014: between optimism and reality

Author

Listed:
  • Lavinia Maria Netoiu

    (University of Craiova Faculty of Economics and Business Administration)

  • Titu Netoiu

    (University of Craiova Faculty of Economics and Business Administration)

  • Nela Loredana Meita

    (University of Craiova Faculty of Economics and Business Administration)

Abstract

In 2014 lending forecasts are especially optimistic that the Central Bank has reduced last year from July to August, September and November and most recently in January 2014, the key interest rate to a historical low of 3.75%. The actions carried to cheapening credit continued reduction in reserve ratios on deposits in RON and in foreign currency. From the theoretical point of view there are advantageous credit conditions; it remains to be seen to what extent customers of banks, individuals, and legal entities will appreciate the effort of Monetary Authority. The external environment is the bank that will determine the decision to enter a new credit or ability to repay a loan in progress.

Suggested Citation

  • Lavinia Maria Netoiu & Titu Netoiu & Nela Loredana Meita, 2014. "Bank lending in Romania in 2014: between optimism and reality," Annals of University of Craiova - Economic Sciences Series, University of Craiova, Faculty of Economics and Business Administration, vol. 2(42), pages 174-183.
    • Handle: RePEc:aio:aucsse:v:2:y:2014:i:42:p:174-183
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    File URL: http://feaa.ucv.ro/AUCSSE/0042v2-023.pdf
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    More about this item

    Keywords

    loan; monetary policy; crisis; performance;
    All these keywords.

    JEL classification:

    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • G29 - Financial Economics - - Financial Institutions and Services - - - Other

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