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The Credit And Credit Risk Management During The Crisis

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  • Chitan Gheorghe Author-Workplace-Name: Academy of Economic Studies, Bucharest, Romania
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    Abstract

    Considering the importance of credit risk management to ensure the financial system stability, the paper presents financial and real sector interaction highlighting that credit growth based on increase of credit demand, of income, of assets prices, of currency availability, the interest rate differential between countries and relaxation of regulatory framework, leaves banks more vulnerable to subsequent downturn in economic activity and asset prices. It also outlines the steps taken or those I think that should be implemented in terms of improving credit risk management, implementation of regulatory measures to limit credit expansion, enforcing the regulatory requirements for covering the expected and unexpected losses, introduction of new surveillance tools aimed to lead to a more resilient financial system.

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    Bibliographic Info

    Article provided by Constantin Brancusi University, Faculty of Economics in its journal Constatin Brancusi University of Targu Jiu Annals - Economy Series.

    Volume (Year): 1 (2012)
    Issue (Month): (March)
    Pages: 58-64

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    Handle: RePEc:cbu:jrnlec:y:2012:v:1:p:58-64

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    Related research

    Keywords: financial stability; prudential surveillance; credit risk; equity; provision;

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    1. Paolo Angelini & Laurent Clerc & Vasco Cúrdia & Leonardo Gambacorta & Andrea Gerali & Alberto Locarno & Roberto Motto & Werner Roeger & Skander Van den Heuvel & Jan Vlcek, 2011. "Basel III: Long-term impact on economic performance and fluctuations," Questioni di Economia e Finanza (Occasional Papers), Bank of Italy, Economic Research and International Relations Area 87, Bank of Italy, Economic Research and International Relations Area.
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