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Commercial Activity or Banking Competition?

Author

Listed:
  • Rose-Marie Pu?caciu

    (Danubius University of Galati)

Abstract

The study analyzes the competition on the banking market and proposes an overview of debt collection companies through the economic crisis which has profoundly affected the banking sector. Article scroll through the main features of competition on the banking market as well as the domain weaknesses that negatively influenced the banking system performance. Even if there is not a sufficiently transparent and functional legal framework and debt recovery market is not supervised enough, it is among the few markets that increase from year to year. Increasing competition from adjacent companies that compete with banks, namely, a non-banking entity, it is stimulating the banking system which will thus become more constructive. It is estimated, that in terms of customers, there will be no differentiation between the banking industry and non-banking entities that will reshape the Romanian banking system soon. Also, the study aims to highlight the existence of debt collection companies, implicitly, the specific markets, it is only a consequence of excessive, unnecessary and dangerous borrowing from previous years. Avoiding bad loans from banks, a fair competition from banks and from non-banking institutions, in the long term, it will generate a balance in the market and it will support economic growth of Romania.

Suggested Citation

  • Rose-Marie Pu?caciu, 2015. "Commercial Activity or Banking Competition?," Acta Universitatis Danubius. OEconomica, Danubius University of Galati, issue 11(6), pages 140-150, December.
    • Handle: RePEc:dug:actaec:y:2015:i:6:p:140-150
    as

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    File URL: http://journals.univ-danubius.ro/index.php/oeconomica/article/view/3163/2996
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    References listed on IDEAS

    as
    1. Mihai CROITORU, 2011. "Tourism Competitiveness Index – An Empirical Analysis Romania vs. Bulgaria," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania - AGER, vol. 0(9(562)), pages 155-172, September.
    2. Manuela Sofia STANCULESCU & Monica MARIN, 2012. "Tourism Demand in Romania," Romanian Statistical Review Supplement, Romanian Statistical Review, vol. 60(3), pages 41-61, September.
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