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Loan and Interest Rate in Romania. Evolutions, Correlations and Perspectives

Author

Listed:
  • Munteanu Irena

    („Ovidius” University of Constanta, Faculty of Economic Sciences)

  • Negrea Alexandru

    („Ovidius” University of Constanta, Faculty of Economic Sciences)

Abstract

The relation between the volume of loan and the interest rate occupies an important role with economic theories. In the real economy, these theories are sometimes confirmed and at other times infirmed. This study proposes to identify the existing connection between the evolution of the loan and of the interest rate in Romania. The present macroeconomic context is very much different from that of the economic boom of 2004-2007 when the nongovernmental loan grew every year, but also from the previous period when the credit products were very few and the categories of the eligible ones were even fewer. Although Romania’s economy has been through several stages during the past ten years, the study emphasizes the evolutions of the volume of loan and the correlation between the two macroeconomic indicators.

Suggested Citation

  • Munteanu Irena & Negrea Alexandru, 2010. "Loan and Interest Rate in Romania. Evolutions, Correlations and Perspectives," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(2), pages 529-533, October.
    • Handle: RePEc:ovi:oviste:v:10:y:2010:i:2:p:529-533
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    More about this item

    Keywords

    non-governmental loan; active interest rate; reference interest rate.;
    All these keywords.

    JEL classification:

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

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