Empirical Study Regarding The Influence Of The Gdp And Interest Rate On The Non-Government Credit. Study Case For Romania
Despite the stimulating effect of measures taken by the central bank, we notice the tendency of stagnation of non-government credit, started in the fourth quarter of 2008. Delayed economic recovery, credit costs still high and the manifestation of a more cautious attitude of banks, and customers, indicated the maintaining of current trends for the year 2011. Therefore, in this paper, we proposed ourselves to analyze the influence of the GDP and interest rate on the non-government credit using the regression function. We will then establish the correlations between these indicators, emphasize the changes that appeared over the years and the measures to be taken in order to improve the loan portfolio quality in the Romanian banking system.
Volume (Year): 4 (2011)
Issue (Month): 39 (May)
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- Jeffery D Amato & Eli M Remolona, 2003. "The credit spread puzzle," BIS Quarterly Review, Bank for International Settlements, December.
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