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Theories regarding the banking activity


  • Alin Andries

    () (Business Administration Department, Faculty of Economics and Business Administration, Alexandru Ioan Cuza University)


The banking activity is varied and complex and thus it is difficult to define banks. The literature on the field several theories that try to explain the existence of banks in economy were developed. These theories start from certain concepts such as: monitoring commissioning, information processing, liquidity transformation, smoothing of consumption and commitment method. Understanding the role banks have in the financial systems is one of the fundamental themes in economic and financial theory. The efficiency of the process through which economies are channeled into productive activities is crucial for the economic growth and well being. Banks are a part of this process of transfer of the funds from surplus agents towards deficit agents.

Suggested Citation

  • Alin Andries, 2008. "Theories regarding the banking activity," Analele Stiintifice ale Universitatii "Alexandru Ioan Cuza" din Iasi - Stiinte Economice, Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, vol. 55, pages 19-29, November.
  • Handle: RePEc:aic:journl:y:2008:v:55:p:19-29

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    References listed on IDEAS

    1. Allen, Franklin & Carletti, Elena, 2008. "Mark-to-market accounting and liquidity pricing," Journal of Accounting and Economics, Elsevier, vol. 45(2-3), pages 358-378, August.
    2. Mayer, Colin, 1988. "New issues in corporate finance," European Economic Review, Elsevier, vol. 32(5), pages 1167-1183, June.
    3. Barbara Casu & Claudia Girardone, 2009. "Integration and Efficiency in EU Banking Markets," Chapters in SUERF Studies, SUERF - The European Money and Finance Forum.
    4. Nikolay Nenovsky & S. Statev, 2006. "Introduction," Post-Print halshs-00260898, HAL.
    5. M. Ruth & K. Donaghy & P. Kirshen, 2006. "Introduction," Chapters,in: Regional Climate Change and Variability, chapter 1 Edward Elgar Publishing.
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