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Accounting Issues Related to Market Risks of Loan Products

Author

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  • Traian Cristin Nicolae

    („Ovidius†University of Constanta)

Abstract

This scientific paper aims at an empirical study of some brief aspects of credit in the current stage of the Romanian economy . A potential reduction in population lending in Romania is believed to have a huge impact on consumption, production , investments and on the state budget. Thus, a 10 % reduction in amounts of credits will have a negative impact on GDP of 4 %. The new draft laws allow the creation of a space of unconfirmed provisions. All these proposals come with losses for the banking industry, including image, and, paradoxically, is happening in the Romania where financial intermediation occupies a low level - more than a quarter - 26.4%. The large differences in the regulatory laws adopted by the Member States contribute to the differences in the flows of the European market .

Suggested Citation

  • Traian Cristin Nicolae, 2019. "Accounting Issues Related to Market Risks of Loan Products," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(1), pages 628-633, August.
    • Handle: RePEc:ovi:oviste:v:xix:y:2019:i:1:p:628-633
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    More about this item

    Keywords

    bank loans; accounting; trends;
    All these keywords.

    JEL classification:

    • M41 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Accounting - - - Accounting
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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