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Considerations On The Company-Guaranteed Loans

Author

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  • Ph.D. Student Florin - Mihai Magda

    (“Babes - Bolyai” University Faculty of Economics and Business Administration Cluj - Napoca, Romania)

Abstract

The occurrence of one of the greatest financial crisis in the world, first in the United States and then in Europe, and afterwards the analysis of the factors generating it, allowed us to identify, among its triggering factors, the problem of the guarantees accepted by the creditors, as well as the general guaranteeing principles used when guaranteeing contracted loans. In this context, it was proved to be extremely important that the banks identify and require borrowers guarantees to cover the risk of default at maturity of the installments and interests corresponding to the loan, as the guarantees must be considered secondary sources of loan reimbursement, and the quality, the liquidity and the size of the guarantee influence even the loan risk level.

Suggested Citation

  • Ph.D. Student Florin - Mihai Magda, 2014. "Considerations On The Company-Guaranteed Loans," Revista Tinerilor Economisti (The Young Economists Journal), University of Craiova, Faculty of Economics and Business Administration, vol. 1(22), pages 60-65, APRIL.
    • Handle: RePEc:aio:rteyej:v:1:y:2014:i:22:p:60-65
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    More about this item

    Keywords

    guarantees; real guarantees; personal guarantees; types of guarantees; full guarantee; guarantee weighting coefficient; just value.;
    All these keywords.

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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