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Study Regarding The Influence Of The Unemployment Rate Over Non-Performing Loans In Romania Using The Correlation Indicator

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Author Info

  • Iulia Iuga

    (‘1 Decembrie 1918‘ University of Alba Iulia Romania)

  • Ruxandra Lazea

    (‘1 Decembrie 1918‘ University of Alba Iulia Romania)

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    Abstract

    In this paper it is studied the influence of unemployment rate on non-performing loansin Romania. The following issues are presented: the definition of nonperforming loans, the criteriaused by Romania in the definition of nonperforming loans (NPL), Romanian legislation thatregulates nonperforming loans, the causes leading to nonperforming loans and the nationalregulates regarding unemployment. The paper contains also graphic representation of the analysis:1) nonperforming loans in the world, 2) credits in Romania by the five risk classes for years 2006-2011; 3) nonperforming loans based on the unemployment rate in Romania. Finally, we establishedthe correlation between unemployment rate and nonperforming loans in Romania, with the usage ofthe "Pearson" correlation coefficient.

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    Bibliographic Info

    Article provided by Faculty of Sciences, "1 Decembrie 1918" University, Alba Iulia in its journal Annales Universitatis Apulensis Series Oeconomica.

    Volume (Year): 2 (2012)
    Issue (Month): 14 ()
    Pages: 18

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    Handle: RePEc:alu:journl:v:2:y:2012:i:14:p:18

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    Related research

    Keywords: nonperforming loans; unemployment rate; analysis; correlation coefficient;

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    1. Rainer Haselmann & Paul Wachtel, 2007. "Risk Taking by Banks in the Transition Countries," Comparative Economic Studies, Palgrave Macmillan, vol. 49(3), pages 411-429, September.
    2. Ralph de Haas & Iman van Lelyveld, 2003. "Foreign Banks and Credit Stability in Central and Eastern Europe: A Panel Data Analysis," DNB Staff Reports (discontinued) 109, Netherlands Central Bank.
    3. Ali, Asghar & Daly, Kevin, 2010. "Macroeconomic determinants of credit risk: Recent evidence from a cross country study," International Review of Financial Analysis, Elsevier, vol. 19(3), pages 165-171, June.
    4. Avery, Robert B. & Calem, Paul S. & Canner, Glenn B., 2004. "Consumer credit scoring: Do situational circumstances matter?," Journal of Banking & Finance, Elsevier, vol. 28(4), pages 835-856, April.
    5. Robert B. Avery & Paul S. Calem & Glenn B. Canner, 2004. "Consumer credit scoring: do situational circumstances matter?," BIS Working Papers 146, Bank for International Settlements.
    6. Carling, Kenneth & Jacobson, Tor & Linde, Jesper & Roszbach, Kasper, 2007. "Corporate credit risk modeling and the macroeconomy," Journal of Banking & Finance, Elsevier, vol. 31(3), pages 845-868, March.
    7. Foos, Daniel & Norden, Lars & Weber, Martin, 2010. "Loan growth and riskiness of banks," Journal of Banking & Finance, Elsevier, vol. 34(12), pages 2929-2940, December.
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