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Trends and expectations regarding lending activity

Author

Listed:
  • Dorina POANTA
  • Vera MORARIU

    (Financial and Banking University, Bucharest)

Abstract

Lending is one of the most profitable and most important investment activity of the credit institutions. Granting of any credit itself is preceded by an analysis phase of documentation, submitted by the client, then by his approval, according to the internal rules of each bank. The banks, in order to maintain the manageable limits of the level of nonperforming loans, must detect a possible worsening of the client’s situation and try to implement the recovery measures, through the performance of the guarantees or by initializing the bankruptcy proceedings.

Suggested Citation

  • Dorina POANTA & Vera MORARIU, 2010. "Trends and expectations regarding lending activity," Finante - provocarile viitorului (Finance - Challenges of the Future), University of Craiova, Faculty of Economics and Business Administration, vol. 1(11), pages 53-59, May.
    • Handle: RePEc:aio:fpvfcf:v:1:y:2010:i:11:p:53-59
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    File URL: http://feaa.ucv.ro/FPV/011-07.pdf
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    More about this item

    Keywords

    bad loans management; credit risk; banking system;
    All these keywords.

    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • G10 - Financial Economics - - General Financial Markets - - - General (includes Measurement and Data)
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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