IDEAS home Printed from
   My bibliography  Save this article

Banking Activity’S Fundamental Forces Of Change In Economic Actual Conditions


  • Prof. Ph.D Popescu Jenica

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


Five fundamental forces have transformed the structure of financial markets and institutions and reflect the intense competition financial firms face today: deregulation/reregulation, financial innovation, securitization, globalization, and advances in technology. Market participants can choose from a larger number of suppliers which places a premium on customer service. To remain competitive, banks should identify the products with which they have a market advantage and provide personal service. The basic theme is that increased competition, brought about not only by continued deregulation but also as financial firms find ways around regulation, has encouraged banks to assume increased portfolio risks in order to earn acceptable returns.

Suggested Citation

  • Prof. Ph.D Popescu Jenica, 2009. "Banking Activity’S Fundamental Forces Of Change In Economic Actual Conditions," Revista Tinerilor Economisti (The Young Economists Journal), University of Craiova, Faculty of Economics and Business Administration, vol. 1(13), pages 7-19, NOVEMBER.
  • Handle: RePEc:aio:rteyej:v:1:y:2009:i:13:p:7-13

    Download full text from publisher

    File URL:
    Download Restriction: no

    More about this item


    deregulation/reregulation; financial innovation; securitization; globalization; advances in technology;

    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • G38 - Financial Economics - - Corporate Finance and Governance - - - Government Policy and Regulation


    Access and download statistics


    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:aio:rteyej:v:1:y:2009:i:13:p:7-13. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Ionascu Costel). General contact details of provider: .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.