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Considerations On The Retail Credit Market In Romania


  • Prof. Ph.D Popescu Jenica

    (University of Craiova Faculty of Economics and Business Administration Craiova, Romania)


The rhythm of significant growth of the credit, as well as the conduction of it preponderantly towards the population represents characteristics met in Romania until middle of 2008 year. Before these evolutions, the Romanian banks appeared to have found the necessary instruments for a corresponding management of the crediting process. Since October of last year, the event fund the consequences of international financial crisis, witnessing a phenomenon to halt the credit. Among the products that I estimate that the Romanian banking sector will preponderantly use are: credits designated to the acquisition of goods of long term use; credit cards; mortgage credits; derived financial instruments.

Suggested Citation

  • Prof. Ph.D Popescu Jenica, 2009. "Considerations On The Retail Credit Market In Romania," Revista Tinerilor Economisti (The Young Economists Journal), University of Craiova, Faculty of Economics and Business Administration, vol. 1(12), pages 89-96, April.
  • Handle: RePEc:aio:rteyej:v:1:y:2009:i:12:p:89-96

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    retail; risk; profit; market; international financial crisis; new banking products;

    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages


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