Study Regarding The Influence Of The Unemployment Rate Over Non-Performing Loans In Romania Using The Correlation Indicator
AbstractIn 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 InfoArticle 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 ()
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nonperforming loans; unemployment rate; analysis; correlation coefficient;
Find related papers by JEL classification:
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
- C44 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - Operations Research; Statistical Decision Theory
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