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Issues On The Specific Terms Of Credit Agreements

Author

Listed:
  • Mariana Rodica ŢÎRLEA

    (Faculty of Economic Sciences Cluj-Napoca, Dimitrie Cantemir Christian University Bucharest)

Abstract

The credit is a source for financing consumption as well as a power creating imbalances when credits do not comply with the destination they were awarded for, provided that the customer evaluation is not real and does not provide sufficient guarantees. The need for liquidity is given by the purpose and the needs of theclients,which are also based on the bank’s interests. The banking activity is a specific activity and therefore the terms ofthe credit agreements have a specific character. Therefore, the objectives of this research seekthe specificity of the credit agreements terms that will be presentedat full length.

Suggested Citation

  • Mariana Rodica ŢÎRLEA, 2014. "Issues On The Specific Terms Of Credit Agreements," Management Intercultural, Fundația Română pentru Inteligența Afacerii, Editorial Department, issue 30, pages 263-267, April.
  • Handle: RePEc:cmj:interc:y:2014:i:30:p:263-267
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    File URL: http://www.mi.bxb.ro/Articol/MI_30_27.pdf
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    More about this item

    Keywords

    credit; interest; interest rate; specific terms; usual terms; unfair terms;

    JEL classification:

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

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