IDEAS home Printed from https://ideas.repec.org/a/cbu/jrnlec/y2016v3p198-205.html
   My bibliography  Save this article

Recent Aspects On Territorial Disparities In Financial Behaviour Of Households In Romania

Author

Listed:
  • BABUCEA ANA-GABRIELA

    (CONSTANTIN BRANCUSI UNIVERSITY OF TARGU JIU, ROMANIA)

Abstract

In the recent past, the Romanian population has experienced major effect of psychological factors on the behavior of its financial, particularly with regard to accessing bank loans for consumer and real estate loans offered by commercial banks sometimes very easy, just "identity card". The financial crisis has compounded the effects of highrisk lending, leading in turn to many Romanian dramatic situations if we consider the impossibility of return of bank debt and the need to adopt legal regulations for restanţierii real estate loans. The major risk of the bankruptcy of the pension system questioned especially amid massive emigration of labor in EU countries, together with a demographic trend downward as he mostly adult population to turn to savings instruments, even if according to studies BNR, they remain mostly in the sphere of bank deposits even if they offer extremely low interest rates. Appealing to methods frequently used to substantiate regional development strategies, the paper aims at analyzing the degree of concentration among the 8 regions, namely overcrowding overall levels of spatial distributions on loans and deposits of households in lei and foreign currency around a typical values of these variables.

Suggested Citation

  • Babucea Ana-Gabriela, 2016. "Recent Aspects On Territorial Disparities In Financial Behaviour Of Households In Romania," Annals - Economy Series, Constantin Brancusi University, Faculty of Economics, vol. 3, pages 198-205, June.
    • Handle: RePEc:cbu:jrnlec:y:2016:v:3:p:198-205
    as

    Download full text from publisher

    File URL: http://www.utgjiu.ro/revista/ec/pdf/2016-03/38_Babucea.pdf
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Zaharia Marian & Babucea Ana-Gabriela & Bălăcescu Aniela, 2015. "Dynamics And Their Determinants In Household Deposits In Lei. Case Of Romania After The Financial Crisis Of 2008," Annals - Economy Series, Constantin Brancusi University, Faculty of Economics, vol. 6, pages 237-240, December.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Adrian Simion, 2018. "Savings Sensitivity & Economic Development Policies in Romania," International Journal of Academic Research in Business and Social Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Sciences, vol. 8(6), pages 129-137, June.
    2. Babucea Ana-Gabriela & Balacescu Aniela, 2016. "An Econometrical Analysis Of The Households Saving Behaviour In Romania Case Study: The Monthly Bank Deposits," Annals - Economy Series, Constantin Brancusi University, Faculty of Economics, vol. 4, pages 5-11, August.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Babucea Ana-Gabriela, 2017. "Determinants Of The Recent Romanian Households' Financial Behaviour For Housing Loans - A Territorial Analysis At The Level Of Nuts 3 Regions," Annals - Economy Series, Constantin Brancusi University, Faculty of Economics, vol. 1, pages 71-80, December.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:cbu:jrnlec:y:2016:v:3:p:198-205. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Ecobici Nicolae (email available below). General contact details of provider: https://edirc.repec.org/data/fetgjro.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.