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Bank Loan Typology in Financing of Companies

Author

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  • Florin – Mihai Magda

Abstract

After a long crisis, economic recovery requires funding in economy, especially of companies by means of commercial banking, in such a way that a credit must become again one of the most important banking products, where deposit interests reached historical minimums. How will banks succeed to stimulate lending, by granting more loans securely, what is the range of products and services under offer in this regard, how will banks succeed facing the new Basel III framework, these are actual questions concerning entire finance banking sector. This article claims to be an introduction presenting typology of credits, subject to short and comprehensive illustration of existing credits, as their classification, instead of marketing principles, is based on exclusively healthy economy principles, universally valid.

Suggested Citation

  • Florin – Mihai Magda, 2014. "Bank Loan Typology in Financing of Companies," Knowledge Horizons - Economics, Faculty of Finance, Banking and Accountancy Bucharest,"Dimitrie Cantemir" Christian University Bucharest, vol. 6(4), pages 42-45, December.
    • Handle: RePEc:khe:journl:v:6:y:2014:i:4:p:42-45
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    More about this item

    Keywords

    Banks; credit; types of credit; loan classification; loan guarantee;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • G30 - Financial Economics - - Corporate Finance and Governance - - - General

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