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The Credit Relationship Between Banks And Companies And Its Effects On The Real Economy

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  • Constantin-Bogdan, VORONEANU

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    („Alexandru Ioan Cuza” University, Iasi, România)

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    Abstract

    Among the relationships between companies and the financial - banking market representatives, those which are determinate by the lending activity hold a special place. Despite of various alternatives to mobilize the necessary funds to cover the capital needs arising from the current or investment activity, bank loans are the main source of funding for most of the companies. This dominance is assured by the benefits that a bank loan offers to companies and which influence directly and positively their economic and financial situation. Of course there are a number of risks assumed by the company when calling to bank financing, risks which can affect negatively their business if it occurs. Given the important role that companies play in generating of the real flows in the economy, all these positive or negative effects directly impact on the quality of economic and social life at the macro level. For this reason it is very important that between the bank and the company to be always a good communication and transparency in the information requested or offered, and the collaboration between these two types of organizations to carry on a partnership basis.

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    Bibliographic Info

    Article provided by Constantin Brancoveanu University in its journal Management Strategies Journal.

    Volume (Year): 21 (2013)
    Issue (Month): 3 ()
    Pages: 105-112

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    Handle: RePEc:brc:journl:v:21:y:2013:i:3:p:105-112

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    Phone: 004-0248-221098
    Web page: http://www.univcb.ro/

    Related research

    Keywords: bank; companies; credit relationship; real economy;

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    1. Lookman, Aziz A., 2009. "Bank borrowing and corporate risk management," Journal of Financial Intermediation, Elsevier, vol. 18(4), pages 632-649, October.
    2. Martin Brown & Christian Zehnder, 2006. "Credit Reporting, Relationship Banking, and Loan Repayment," Working Papers 2006-03, Swiss National Bank.
    3. Elyasiani, Elyas & Goldberg, Lawrence G., 2004. "Relationship lending: a survey of the literature," Journal of Economics and Business, Elsevier, vol. 56(4), pages 315-330.
    4. Inessa Love & Rida Zaidi, 2010. "Trade Credit, Bank Credit and Financial Crisis-super-," International Review of Finance, International Review of Finance Ltd., vol. 10(s1), pages 125-147.
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