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Non-performing loans – dimension of the non-quality of bank lending/loans and their specific connections

Author

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  • Bogdan Florin FILIP

    (“Alexandru Ioan Cuza” University of Iaşi, Romania)

Abstract

This paper deepens the study of non-performing loans (NPLs), conceived by the author as an expression of non-quality of part of bank lending / loans, which is considered in turn, as being reflected directly by the proportions held by these loans in the total volume of loans (granted by banks). In this respect, it starts from conceptual delimitations required to perform the research, including a redefinition of NPLs (compared to the documentary sources in this area). A large part of paper is assigned, however, to the analyzes focused on econometric modelling, based on the determining relationships regarding the volume of NPLs, the author outlining appropriate regression models, taking into consideration the volume of these loans, both as dependent variable and as determinant variable within relationships with some macro indicators (the total volume of bank loans, GDP, etc.), included in these regression models, either as determinant or dependent variables. Testing them, by processing the corresponding data in Romania’s case, led to relevant results and conclusions, being also validated the models used.

Suggested Citation

  • Bogdan Florin FILIP, 2014. "Non-performing loans – dimension of the non-quality of bank lending/loans and their specific connections," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania / Editura Economica, vol. 0(5(594)), pages 127-146, May.
    • Handle: RePEc:agr:journl:v:xxi:y:2014:i:5(594):p:127-146
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    Citations

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    Cited by:

    1. Bogdan Florin FILIP, 2017. "Lessons From The Impact Of Internal And Macroeconomic Determinants Of Bad Loans In Cee Banks," EURINT, Centre for European Studies, Alexandru Ioan Cuza University, vol. 4, pages 198-212.
    2. Bogdan Florin FILIP, 2014. "Monetary Tensions And Factors Generating Them," Journal of Public Administration, Finance and Law, Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, vol. 0(Special i), pages 75-84, September.
    3. Suranjit, K, 2016. "The effect of non-performing loans on the LMICs with a focus on the macroeconomy and institutional quality," MPRA Paper 121443, University Library of Munich, Germany, revised 10 Dec 2017.
    4. Bogdan Florin FILIP, 2015. "ECONOMIC GROWTH AND IMPACT FACTORS IN COUNTRIES OF CENTRAL AND EASTERN EUROPE Abstract : This paper starts from the premise that the performance of the economies of different countries, respectively t," EcoForum, "Stefan cel Mare" University of Suceava, Romania, Faculty of Economics and Public Administration - Economy, Business Administration and Tourism Department., vol. 4(2), pages 1-26, july.
    5. ROMAN Angela & BILAN Irina, 2015. "An Empirical Analysis Of The Macroeconomic Determinants Of Non-Performing Loans In Eu28 Banking Sector," Revista Economica, Lucian Blaga University of Sibiu, Faculty of Economic Sciences, vol. 67(2), pages 108-127.

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