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The lending activity and economic growth in Romania in the global crisis context

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  • Cristi SPULBAR
  • Mihai NITOI

    (University of Craiova)

Abstract

In this article we proposed to estimate econometrically a model that intercepts determinant factors of the non-governmental credit evolution in Romania and to sustain, empirically, some well-known affirmations in the specialized literature, but also the identification of some elements which could lead to the lending revival in the future. The model estimation through which we proposed to intercept the variables which have importance on the non-governmental credit growth was realized through a multiple regression. We used as a dependent variable the non-governmental credit, and the independent variables were the real gross domestic product, the unemployment rate, the interest spread and a prices index for the real estate sector. We observed that the economic growth and the prices from the real estate domain had the most important impact on the non-governmental credit.

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Bibliographic Info

Article provided by University of Craiova, Faculty of Economics and Business Administration in its journal Finance - Challenges of the Future.

Volume (Year): 1 (2010)
Issue (Month): 12 (December)
Pages: 76-82

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Handle: RePEc:aio:fpvfcf:v:1:y:2010:i:12:p:76-82

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Keywords: lending activity; real estate prices; average wage; econometric model;

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